Purchasing property in Portugal as a pensioner can be a great decision, offering the opportunity to enjoy a warm climate, beautiful beaches, and a high quality of life. However, it's important to thoroughly research and plan for the process to ensure that it goes smoothly and that you find a home that meets your needs.

To get a mortgage in Portugal, you will need to determine your budget and financial limitations, research and compare mortgage products and rates, work with a mortgage broker or lender to complete the application process, provide necessary documentation, be honest and transparent throughout the process, wait for a decision on approval, and sign a mortgage contract and pay closing costs if approved.

To apply for a mortgage in Portugal, you will typically need to provide proof of income, proof of identity, financial documents, documentation of the property you are purchasing, and information about your credit history.

When searching for a mortgage broker in Portugal, it is essential to conduct your homework and choose one who is reliable, skilled, and upfront about their fees and charges. Consider brokers who have an in-depth grasp of the Portuguese mortgage sector and who have worked with foreign purchasers previously.