Mortgage loan to build a house
Build the home of your dreams

Mortgage loan to build a house
Build the home of your dreams


Premium service
No red tape. We take care of everything
Don't waste time, we collect all the necessary documentation
More flexibility to sign the deed, available on weekdays until 10pm and Saturdays from 9am to 12pm
If you can't be present, we can represent you at the signing




Loan charges and rates
Now on to the math
Awards and distinctions
Best Mixed Rate and Fastest Process

Best Mixed Rate
Millennium bcp was awarded at the Prémios de Inverno 2025 de Crédito Habitação by ComparaJá.pt, in the category of “Best Mixed Rate,” for presenting a highly competitive mixed rate throughout almost the entire year. This award showcases our dedication to our clients and strengthens our competitive edge in the industry.

Fastest Process
Millennium bcp was awarded at the Prémios de Inverno 2025 de Crédito Habitação by ComparaJá.pt, in the category of “Fastest Process,” for being the bank that streamlined the mortgage process the most for consumers who used the ComparaJá services. This award reflects our commitment to our customers and strengthens our position as a leader in the market.
These awards are sole responsibility of the entity that granted them.
Awards and distinctions
Best Mixed Rate and Fastest Process

Best Mixed Rate
Millennium bcp was awarded at the Prémios de Inverno 2025 de Crédito Habitação by ComparaJá.pt, in the category of “Best Mixed Rate,” for presenting a highly competitive mixed rate throughout almost the entire year. This award showcases our dedication to our clients and strengthens our competitive edge in the industry.

Fastest Process
Millennium bcp was awarded at the Prémios de Inverno 2025 de Crédito Habitação by ComparaJá.pt, in the category of “Fastest Process,” for being the bank that streamlined the mortgage process the most for consumers who used the ComparaJá services. This award reflects our commitment to our customers and strengthens our position as a leader in the market.
These awards are sole responsibility of the entity that granted them.
Want to apply for a mortgage loan?
Before you make a decision...
All it takes is 6 steps
Applying for a mortgage is simple
All it takes is 6 steps
Applying for a mortgage is simple
Frequently asked questions
Questions? We'll help
Millennium disburses the financed amount for self-construction and renovations in multiple tranches (up to a maximum of 6) over a period of up to 24 months. During the installment disbursement phase, you only pay interest on the used amounts during that time.
Millennium disburses the financed amount for self-construction and renovations in multiple tranches (up to a maximum of 6) over a period of up to 24 months. During the installment disbursement phase, you only pay interest on the used amounts during that time.
You can apply through our app, website, or by visiting a branch in person. When using the app or website, follow these steps: calculate the mortgage, complete the application, and submit it. Ensure you have your last three months' payslips and the IRS validation code ready. Additionally, you can attach essential property documents, including the Permanent Certificate, Caderneta Predial, and the listed building plan.
You can apply through our app, website, or by visiting a branch in person. When using the app or website, follow these steps: calculate the mortgage, complete the application, and submit it. Ensure you have your last three months' payslips and the IRS validation code ready. Additionally, you can attach essential property documents, including the Permanent Certificate, Caderneta Predial, and the listed building plan.
The loan formalization, along with the purchase and sale process, includes expenses such as contract costs, fees, notary fees, and registry fees. These fees are payable to the entities offering these services. You can see the amounts of these expenses in the calculation result.
The loan formalization, along with the purchase and sale process, includes expenses such as contract costs, fees, notary fees, and registry fees. These fees are payable to the entities offering these services. You can see the amounts of these expenses in the calculation result.
The primary house documents necessary for obtaining a mortgage loan include:
- Permanent Certificate
- Caderneta Predial (Property Tax Document)
- Dimensioned Plan
- Energy Certificate
Additionally, a usage license might be necessary.
Depending on the loan type, there might be additional documents requested as well.
The primary house documents necessary for obtaining a mortgage loan include:
- Permanent Certificate
- Caderneta Predial (Property Tax Document)
- Dimensioned Plan
- Energy Certificate
Additionally, a usage license might be necessary.
Depending on the loan type, there might be additional documents requested as well.
The spread is the additional interest rate set by Millennium. It’s added to the index (monthly average of the 3, 6 or 12 month Euribor) to obtain the nominal annual interest rate (TAN).
The spread is the additional interest rate set by Millennium. It’s added to the index (monthly average of the 3, 6 or 12 month Euribor) to obtain the nominal annual interest rate (TAN).
The effort rate, also known as the debt-to-income ratio, represents the proportion of your total monthly loan payments to your monthly net income. When deciding whether to grant you a loan, we always take this information into account, and the loan will only be approved if this effort rate is in harmony with your financial capacity.
The effort rate, also known as the debt-to-income ratio, represents the proportion of your total monthly loan payments to your monthly net income. When deciding whether to grant you a loan, we always take this information into account, and the loan will only be approved if this effort rate is in harmony with your financial capacity.
Frequently asked questions
Questions? We'll help
Millennium disburses the financed amount for self-construction and renovations in multiple tranches (up to a maximum of 6) over a period of up to 24 months. During the installment disbursement phase, you only pay interest on the used amounts during that time.
Millennium disburses the financed amount for self-construction and renovations in multiple tranches (up to a maximum of 6) over a period of up to 24 months. During the installment disbursement phase, you only pay interest on the used amounts during that time.
You can apply through our app, website, or by visiting a branch in person. When using the app or website, follow these steps: calculate the mortgage, complete the application, and submit it. Ensure you have your last three months' payslips and the IRS validation code ready. Additionally, you can attach essential property documents, including the Permanent Certificate, Caderneta Predial, and the listed building plan.
You can apply through our app, website, or by visiting a branch in person. When using the app or website, follow these steps: calculate the mortgage, complete the application, and submit it. Ensure you have your last three months' payslips and the IRS validation code ready. Additionally, you can attach essential property documents, including the Permanent Certificate, Caderneta Predial, and the listed building plan.
The loan formalization, along with the purchase and sale process, includes expenses such as contract costs, fees, notary fees, and registry fees. These fees are payable to the entities offering these services. You can see the amounts of these expenses in the calculation result.
The loan formalization, along with the purchase and sale process, includes expenses such as contract costs, fees, notary fees, and registry fees. These fees are payable to the entities offering these services. You can see the amounts of these expenses in the calculation result.
The primary house documents necessary for obtaining a mortgage loan include:
- Permanent Certificate
- Caderneta Predial (Property Tax Document)
- Dimensioned Plan
- Energy Certificate
Additionally, a usage license might be necessary.
Depending on the loan type, there might be additional documents requested as well.
The primary house documents necessary for obtaining a mortgage loan include:
- Permanent Certificate
- Caderneta Predial (Property Tax Document)
- Dimensioned Plan
- Energy Certificate
Additionally, a usage license might be necessary.
Depending on the loan type, there might be additional documents requested as well.
The spread is the additional interest rate set by Millennium. It’s added to the index (monthly average of the 3, 6 or 12 month Euribor) to obtain the nominal annual interest rate (TAN).
The spread is the additional interest rate set by Millennium. It’s added to the index (monthly average of the 3, 6 or 12 month Euribor) to obtain the nominal annual interest rate (TAN).
The effort rate, also known as the debt-to-income ratio, represents the proportion of your total monthly loan payments to your monthly net income. When deciding whether to grant you a loan, we always take this information into account, and the loan will only be approved if this effort rate is in harmony with your financial capacity.
The effort rate, also known as the debt-to-income ratio, represents the proportion of your total monthly loan payments to your monthly net income. When deciding whether to grant you a loan, we always take this information into account, and the loan will only be approved if this effort rate is in harmony with your financial capacity.
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