U C HOMES

  Buying property in Portugal through financing is possible for both residents and non-residents, but mortgage conditions vary depending on nationality, residency status, and banking policies. Below is an overview of what to expect based on different buyer profiles. 1. Portuguese Citizens Residing Abroad (Non-Residents) Portuguese nationals who live outside Portugal but want to purchase property in the country have access to local mortgages under special conditions. Banks often classify them as non-resident buyers , meaning: ✅ Loan-to-Value (LTV): Up to 70%-80% of the property’s appraised value or purchase price (whichever is lower). ✅ Interest Rates: Generally similar to resident rates, but can be slightly higher. ✅ Income Assessment: Global income is considered, but some banks may apply currency conversion risks for non-EUR earnings. ✅ Required Documents: Proof of income, tax returns, Portuguese tax number (NIF), and credit history from the country of residence. 💡 Tip: If you h...

'Extraordinary' Relocation & Concierge Package  Hassle-Free Rental Experience in Northern Portugal Relocating to Portugal? Our 'Extraordinary'  Package is designed for international clients seeking a stress-free transition to the North of Portugal. From property searches to legal paperwork, we handle every step, ensuring you arrive with everything set up and ready to go . ✅ Remote Convenience – Set everything up before arriving in Portugal . ✅ Expert Guidance – Local expertise, legal insights, and personalized support. What’s Included? Pre-Arrival & Rental Assistance: 🔎 Rental Market Research – 75+ hours of research tailored to your needs. 🏡 Property Visits & Reports – 6 in-person visits by our team with detailed feedback. 📄 Lease Agreement Review – Legal verification to ensure fair terms. 📝 Translation of Lease Agreement – Bilingual if required, for full clarity. Concierge & Bureaucratic Support: 🏦 Bank Account Setup – Assistance in openin...