What documents do I need to provide to apply for a mortgage?

Movingto Editorial Team
December 18, 2022

When applying for a mortgage in Portugal, you will typically need to provide a range of documentation to the lender to support your application. The specific documents required may vary depending on the lender and your individual circumstances. Some common documents that you may need to provide include:

Proof of identification: This may include a passport, national ID card, or other government-issued identification.

Proof of residence: This may include a utility bill, rental agreement, or other document that shows your address in Portugal.

Proof of income: You may need to provide proof of your income, such as pay stubs, tax returns, or bank statements showing your salary or other sources of income.

Credit report: The lender will typically check your credit history to assess your creditworthiness and determine your risk as a borrower. You may need to provide a copy of your credit report or allow the lender to access it.

Employment verification: You may need to provide documentation of your employment status, such as a letter from your employer or pay stubs.

Bank statements: You may need to provide recent bank statements to show your financial history and current financial situation.

Property documents: If you are buying a property, you may need to provide documentation such as the title deed, property survey, and other relevant documents.

It is a good idea to gather all of the necessary documentation before you begin the mortgage application process to ensure that you are able to provide everything the lender needs to make a decision. If you have any questions about what documents you need to provide, you should contact the lender directly or seek the advice of a financial advisor or mortgage broker.

Want further advice?

RHJ Group are the experts in this field, and can help with your enquiries.

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