Youth Housing Solutions
We are home.
If you want to move out of your parents’ house, stop sharing a place with friends, or stop paying rent, you can count on support from the government.
And if you move in with us, Banco Montepio will also help you with your expenses.
Do you want to buy a house without a down payment?
Are you between 18 and 35 years old and need 100% financing?
With the government’s personal guarantee, the bank can finance 100% of the purchase of your first home, and you no longer need to have your own funds for a down payment.
And would you like to not have to pay taxes?
Don't worry about fees.
Property appraisal
Dossier review
Hiring
*This promotion is valid for proposals submitted by March 31, 2027, and contracts signed by May 31, 2027.
*This promotion is valid for proposals submitted by March 31, 2027, and contracts signed by May 31, 2027.
Select the type of installment.
MIXED RATE (2-YEAR FIXED + VARIABLE)
Enjoy a fixed payment for 2 years, and we’ll refund the spread(1).
If you take out a loan with a fixed rate for the first 2 years of the contract, we’ll refund the spread amount from each monthly payment during that period. Starting in the 3rd year, the rate becomes variable.
Fixed rate of 2.50% Spread starting at 0.70%(2) | APR from 4.1%(4) to 4.8%(5). Requires subscribing to at least 2 products/services from the list below(1).
VARIABLE RATE
Or variable installment.
Spread starting at 0.70%(2) | APR ranging from 4.1%(6) to 4.8%(7).
Requires subscription to 4 products/services from the list below(2).
Regulars also get a reward for bringing their friends.
Refer friends and family to Banco Montepio’s Mortgage Scheme and you could receive up to €10,000 on a prepaid card*.
Receive €1,000* for each successful referral, up to a maximum of 10 referrals. The card can be used in high street and online shops for 2 years.
*Offer valid for applications submitted by 31 March 2027 and approved by 31 May 2027. Applies when friends or family members become new Banco Montepio customers and take out a mortgage during the campaign period. Please see the terms and conditions of the offer and the general terms and conditions of use for the prepaid card.
Up to 100% Financing
Fixed, variable, or hybrid interest rate?
Terms Tailored to You
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(1) These figures are based on the optional take-up of two of the following products/services: Direct debit of salary; Credit card with a minimum spend of €500 per half-year (maximum APR of 18.0%) (8); PPCH Life Insurance (taken out with Lusitania Vida Seguros) (3); Home Protection Insurance (taken out with Lusitania Seguros) (3); Protection Insurance (taken out with Lusitania Seguros and/or Lusitania Vida Seguros): motor, accident or health (3); Member of Montepio Associação Mutualista.
(2) These figures are based on the optional subscription to four of the following products/services: Direct debit of salary; Credit card with a minimum spend of €500 per term (maximum APR of 18.0%) (8); PPCH Life Insurance (taken out with Lusitania Vida Seguros) (3); Home Protection Insurance (taken out with Lusitania Seguros) (3); Protection Insurance (taken out with Lusitania Seguros and/or Lusitania Vida Seguros): motor, accident or health (3); Member of Montepio Associação Mutualista.
(3) This does not exempt the customer from consulting the pre-contractual and contractual information required by law; it is possible to take out Life Insurance and Multi-risk Insurance with another insurer, provided that the policy includes the minimum cover and requirements stipulated by Banco Montepio.
Representative example of a mixed rate
(4) APR of 4.1%, taking into account the optional subscription to products/services (2), for an example of financing with a Fixed Nominal Annual Rate (TAN) of 3.200% during the 2-year fixed-rate period (fixed rate of 2.50%, as at August 2026, plus a spread of 0.70%). For the remaining period, the variable TAN is 3.347%, resulting from the addition of a spread of 0.70% to the 6-month Euribor rate for August 2026 (2.647% – simple arithmetic mean of the daily 6-month Euribor rates for the previous month, calculated on a 360-day basis and rounded to the nearest thousandth) - 24 monthly instalments of €432.47 and 336 monthly instalments of €440.10. The total amount payable by the consumer is €170,993.92.
Example of a €100,000.00 loan, over 30 years, for two 30-year-old borrowers, with a loan-to-value ratio of 80 per cent, for the purchase of a permanent home. Fees and charges during the term: €1,777.49; Fees during the term (monthly): €5.41 for the current account maintenance fee; (annual): €21.84 for the debit card provision fee; Insurance premiums: Multi-risk (annual): €78.60; Life insurance (average monthly amount): €16.80.
(5) APR of 4.8% for an example of a loan with a fixed Nominal Annual Rate (TAN) of 4.000% during the 2-year fixed-rate period (fixed rate of 2.50%, as at August 2026, plus a spread of 1.50%). For the remaining period, the variable TAN is 4.147%, which results from adding the spread of 1.50% to the 6-month Euribor rate for August 2026 (2.647% – the simple arithmetic mean of the daily 6-month Euribor rates for the previous month, calculated on a 360-day basis and rounded to the nearest thousandth) – 24 monthly instalments of €477.42 and 336 monthly instalments of €485.48. The total amount payable by the consumer is €185,019.65.
Example of a €100,000.00 loan, over 30 years, for two 30-year-old borrowers, with a loan-to-value ratio of 80 per cent, for the purchase of a permanent home. Fees and charges during the term: €1,777.49; Insurance premiums: Comprehensive cover (annual): €78.60; Life insurance (average monthly amount): €17.64.
Representative example of a variable rate
(6) APR of 4.1%, taking into account the optional subscription to products/services (2), for an example of a loan with a variable Nominal Annual Rate (TAN) of 3.347%, which results from adding a spread of 0.70% to the 6-month Euribor index for August 2026 (2.647% – the simple arithmetic mean of the daily 6-month Euribor rates for the previous month, calculated on a 360-day basis and rounded to the nearest thousandth) – 360 monthly instalments of €440.55. The Total Amount Payable by the Consumer is €171,343.24.
Example of a €100,000.00 mortgage, over 30 years, for two 30-year-old borrowers, with a loan-to-value ratio of 80 per cent, for the purchase of a permanent home. Fees and charges over the term: €1,777.49; Fees during the term (monthly): €5.41 for the current account maintenance fee; (annual): €21.84 for the debit card provision fee; Insurance premiums: Multi-risk (annual): €78.60; Life insurance (average monthly amount): €16.82.
(7) APR of 4.8% for an example of a loan with a variable nominal annual rate (TAN) of 4.147%, which is calculated by adding a spread of 1.50% to the 6-month Euribor rate for August 2026 (2.647% – the simple arithmetic mean of the daily 6-month Euribor rates for the previous month, calculated on a 360-day basis and rounded to the nearest thousandth) – 360 monthly instalments of €485.93. The Total Amount Charged to the Consumer is €185,377.56.
Example of a €100,000 loan over 30 years for two 30-year-old borrowers, with a loan-to-value ratio of 80 per cent, for the purchase of a permanent home. Fees and charges during the term: €1,777.49; Insurance premiums: Comprehensive cover (annual): €78.60; Life insurance (average monthly amount): €17.75
Representative example for the Gold Card
(8) APR: 18.0%; Nominal Annual Interest Rate (NAIR): 11.000%; Annual credit card activation fee of €60.00. The fee shown corresponds to the payment of 12 monthly instalments, charged in advance. The first monthly fee is charged after the card is issued, and the subsequent instalments are charged within the following 30 days. APR calculated on 1 April 2024, for a credit limit of €2,000.00 and a repayment term of 12 months.
Loan agreements will be secured by a mortgage on property. The variable interest rate applied may fall below zero depending on the performance of the relevant index.