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Mortgage loan to buy a home

This is your new home

Take advantage and refresh it with the construction add-on
Take advantage and refresh it with the construction add-on

I have found my new home

Calculate loan

How much can I borrow?

Calculate
couple and their kid, playing with dog

Mortgage loan to buy a home

This is your new home

Take advantage and refresh it with the construction add-on
Take advantage and refresh it with the construction add-on
couple and their kid, playing with dog
couple and their kid, playing with dog

I have found my new home

Calculate loan

How much can I borrow?

Calculate
Discounts and benefits with exclusive partners View partnerships
Avoid the ups and downs of your loan installments by choosing a fixed-rate solution

Up to 90% financing of the acquisition or valuation Calculate mortgage loan
Get 25% off initial fees for energy-efficient homes

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

€200 + IVA
€0
Until March 31, 2025¹
woman sitting on the sofa with a cup in her hand
woman sitting on the sofa with a cup in her hand
€200 + IVA
€0
Until March 31, 2025¹
woman sitting on the sofa with a cup in her hand
woman sitting on the sofa with a cup in her hand

Loan charges and rates

Now on to the math

Choose the type of interest rate
Variable rate indexed to Euribor 3, 6, 12 months plus spread
Mixed rate: fixed in the first 2, 3, or 5 years, followed by a variable rate
5 to 30-year fixed rate
The amount financed depends on the purpose of the mortgage
Home O
Primary residence Up to 90% of the appraised value or the purchase value of the home (whichever is lower)
House Second O
Second home or for rent Up to 80% of the appraised value or the purchase value of the home (whichever is lower)

Minimum loan amount
10,000
These are the maximum terms of the mortgage
Hight Yield O
Up to 40 years For Customers that are 30 years old or under
CH 2
Up to 37 years For Customers between 30 and 35 years old
CH 1
Up to 35 years For Customers over 35 years old

In case of a second home, the maximum term is 30 years.
At the end of the mortgage, the Customer cannot be older than 72 years old.
And these are the variables that can reduce the spread
Relation between the loan amount and the property valuation
Insurance, credit cards, salary paid at Millennium or monthly payments such as water or electricity

Awards and distinctions

Best Mixed Rate and Fastest Process

Premio Melhor Taxa Mista 07Fev25

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.

Premio Processo Mais Rapido 07Fev25

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

Premio Melhor Taxa Mista 07Fev25

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.

Premio Processo Mais Rapido 07Fev25

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...

Avaliar Despesas
Assess the need for expense
Evaluate the expense you plan to make, bearing in mind the various factors to consider.
Tx Esforco
Consider the effort
Check if the amount of the loan installment does not compromise your household budget.
Doc Ok
Confirm the conditions
Verify the conditions of the loan, and read all the pre-contractual and contract information.
Decisoes Respon
Make responsible decisions
If you change your mind after your mortgage is approved, you have 7 days to cancel the process with no costs.

All it takes is 6 steps

Applying for a mortgage is simple


What do you need?
What do you need?
To be over 18 years old
To be over 18 years old
To submit the latest 3 payslips and the IRS validation code for the credit risk analysis
To submit the latest 3 payslips and the IRS validation code for the credit risk analysis
If you already know the home you are going to buy and want to request the appraisal, submit the Caderneta Predial, the Certidão Permanente and the house blueprint
If you already know the home you are going to buy and want to request the appraisal, submit the Caderneta Predial, the Certidão Permanente and the house blueprint

All it takes is 6 steps

Applying for a mortgage is simple

CH Simulador
Calculate
Calculate
by choosing the amount, term and rate, send the application and get an answer within 48 hours.
by choosing the amount, term and rate, send the application and get an answer within 48 hours.
CH Avaliacao
Wait for the valuation
Wait for the valuation
The appraiser will visit the property and do a report with the valuation amount.
The appraiser will visit the property and do a report with the valuation amount.
CH Doc Envio
Accept the final conditions
Accept the final conditions
of the loan (valid for 60 days) after the application was approved.
of the loan (valid for 60 days) after the application was approved.
Doc Envio
Collect the documents
Collect the documents
necessary to sign the deed and submit them.
necessary to sign the deed and submit them.
Contrato
Sign the contract
Sign the contract
Schedule to sign the contract, be there on the day, accept the terms and pay the taxes. If you can't be there, we can represent you.
Schedule to sign the contract, be there on the day, accept the terms and pay the taxes. If you can't be there, we can represent you.
Confirmar Notificacao e confirmar app
And that's it!
And that's it!
Congratulations on your new home!
Congratulations on your new home!
What do you need?
What do you need?
To be over 18 years old
To be over 18 years old
To submit the latest 3 payslips and the IRS validation code for the credit risk analysis
To submit the latest 3 payslips and the IRS validation code for the credit risk analysis
If you already know the home you are going to buy and want to request the appraisal, submit the Caderneta Predial, the Certidão Permanente and the house blueprint
If you already know the home you are going to buy and want to request the appraisal, submit the Caderneta Predial, the Certidão Permanente and the house blueprint

If You’re Young

What are you waiting for?

Girl with a blue mug in her hands sitting on the floor, leaning against moving boxes

State Personal Guarantee

If you’re under 35
Buy your first home
With up to 100% financing
cheerful young couple in their new home, with a moving box

IMT And Stamp Duty Exemption

If you’re under 35
Must be independent for IRS purposes
The purchase/closing value must not exceed €316,772.00

Frequently asked questions

Questions? We'll help

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

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.

Apply for a mortgage on the app

Explore app
 Screen of the Millennium App with Mortgage Credit  Screen of the Millennium App with Mortgage Credit
 Screen of the Millennium App with Mortgage Credit

Legal documents and other information

Doc O Grey Doc O

General Pre-Contractual Information

Download
1 Conditions valid for proposals approved until 31/03/2025, and hired until 30/04/2025.
Example for a 30-year-old consumer - Financing €150,000; Appraisal Value €187,500; 30-year term; Product Purchase of primary residence; Contract Expenses €495.62; Stamp Duty on the use of mortgage loan €900; Home Insurance €19.70/month.
 

If you're between 18 and 35 years old, you also get an exemption from all initial fees when purchasing your primary residence.
  • Dossier Fee €290 + ST
  • Setup Fee €200 + ST
  • Valuation Fee €230 + ST
Total reduction amount €748.80

Variable rate
TAEG without associated optional sales 4.7% - Variable TAN (APR) of 4.025% (Euribor 12 months of January, 2025 of 2.525% and base spread of 1.50%); monthly Life Insurance Premium of €20.85; 360 monthly payments of €718.29; Total amount charged to the consumer of €275.323.922.
TAEG with associated optional sales 3.9% - Variable TAN (APR) of 3.275% (Euribor 12 months of January, 2025 of 2.525% and contracted spread of 0.75%); monthly Life Insurance Premium of €19.93; 360 monthly payments of €654.87; Total amount charged to the consumer of €251,415.75.
2-Year Mixed Rate
TAEG without optional associated products: 4.7% - Fixed TAN of 4.000% for the first 24 months, then variable TAN of 4.025% (12-month Euribor as of January, 2025 of 2.525% and base spread of 1.50%) for the remaining term. Initial fees (Application, Formalization, and Appraisal Fees) of €748.80. Average monthly Life Insurance premium: €20.84; first 24 monthly installments: €716.12; subsequent 336 monthly installments: €718.17; Total Amount Payable (MTIC): €275,233.00.
TAEG with optional associated products: 3.9% - Fixed TAN of 3.250% for the first 24 months, then variable TAN of 3.275% (12-month Euribor as of January, 2025 of 2.525% and contracted spread of 0.75%) for the remaining term. Initial fees waived. Average monthly Life Insurance premium: €19.93; first 24 monthly installments: €654.76; subsequent 336 monthly installments: €647.84; Total Amount Payable (MTIC): €251,327.02.
30-Year Mixed Rate
TAEG without optional associated products: 5.1% - Variable TAN of 4.400%. Initial fees (Application, Formalization, and Appraisal Fees) of €748.80. Average monthly Life Insurance premium: €21.30; 360 monthly installments: €751.14; Total Amount Payable (MTIC): €287,315.45.
TAEG with optional associated products: 4.2% - Variable TAN of 3.650%. Initial fees waived. Average monthly Life Insurance premium: €20.39; 360 monthly installments: €686.19; Total Amount Payable (MTIC): €262,084.90.

Meet the following requirements:
• Get salary paid at Millennium bcp’s account associated with the loan;
• Fulfil three of the five following requirements/products/services:
• Credit card with a minimum monthly usage of €100 in payments for purchases and services (with semi-annual monitoring of the accumulated value) - TAEG 15.4%²;
• Personal loan, ALD, or Car Leasing with a minimum outstanding balance of €1,000;
• Setting up direct debits for 2 monthly bills (electricity, water, gas, communications);
• Life insurance associated with the loan at Ocidental Vida³; - Home Insurance associated with the credit, sold by Ageas Portugal under the Ocidental brand³.


² Classic Credit Card: TAEG 15.4% and TAN 13.300% for a credit limit of €1,500 paid over 12 equal monthly repayments, plus interest and charges. Annual fee €10.40, charged in advance. First charge in the month of card issuance and, in subsequent years, in the same month. Stamp duty included. Subject to credit risk assessment.
Subject to credit risk analysis.
The credit is granted by Banco Comercial Português S.A., without credit intermediation, and is guaranteed by a property mortgage. The granting of credit is subject to the macroprudential rules of the Bank of Portugal. The interest rate applied (TAN) can assume negative values depending on the evolution of the respective index.
³ Advertisement
This does not exempt the need to read the legally required pre-contractual and contractual information. Insurance sold by Ageas Portugal - Companhia de Seguros, S.A. and Ocidental - Companhia Portuguesa de Seguros de Vida, S.A.

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Ajuda
Need help?
Here you can find the answer to all your questions
Here you can find the answer to all your questions
Localizador De Sucursal
Looking for a branch?
Find the nearest branch
Find the nearest branch
Contactos
Need to call us?
Call whenever you need to
Call whenever you need to