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      Working days from 09:00 to 18:00 (GMT)
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    • Contact us
      Direct Line UCI
      Working days from 09:00 to 18:00 (GMT)
        (+351) 213 002 042
        (Cost of a domestic landline call)
        (+351) 932 442 604
        (Cost of a mobile landline call)
    Mortgage Request
    Contact us Mortgage Request
    Mortgage to buy a house
    Purchase a property

    Mortgage loan to buy a house

    A simpler mortgage tailored to your needs. The solution to buy your new home is right here!

    Apply for a mortgage

    Just the mortgage and nothing more

    Buying a property is a chance to start fresh. It's a step that should be take with confidence and peace of mind. That's why we offer you a simpler mortgage loan to buy a house. If you've already found your ideal home, now you've found the right mortgage.

    Why choose UCI mortgage loan to buy a house?

    • Tailored to you

      Tailor-made solutions

      Choose from different interest rate options: variable, mixed or fixed.

    • Flexible term

      Flexible term

      Choose the loan term that suits you best, from 7 to 35 years.

    • Freedom

      Freedom

      With UCI you only take out a mortgage, nothing more.

    Green mortgage
    GREEN MORTGAGE

    A new property for a greener future

    Enjoy a 0.1% interest rate reduction when buying a property with an A+ or A house energy rating.

    Apply for a mortgage

    Choose the best option for your case

    Whether you're looking for flexibility or stability, UCI helps make your home purchase a reality with diferent interest rate options: variable, mixed or fixed.

    Mortgage loan to buy a house characteristics

    • Purchase of a property for use as a main residence and second home. 

    • Acquisition of a property for main residence: up to 90% of the house purchase value, according to applicant’s profile and guarantees provided.
      Acquisition of a property for other purposes: up to 80% of the house purchase value, according to applicant’s profile and guarantees provided.

    • Variable interest rate - Constant monthly payments with 6-month rate revision.

      Mixed interest rate - Pay the same during the fixed interest rate period. After the fixed rate period, the loan becomes effective with constant monthly payments with Euribor 6 months.

      Fixed interest rate - Pay the same amount from the beginning to the end of the mortgage term.

    • Minimum of 7 years and maximum of 35 years. Up to 75 years (limit age of the oldest applicant at the end of the loan).

    • Variable interest rate - Variable interest rate (Euribor six-month) plus margin. Margin is defined according to the loan terms.

      Mixed interest rate of 5 or 10 years (agreed with UCI at the moment of signing and without addition of margin). After the fixed rate period, the loan becomes effective with constant monthly payments with Euribor 6 months. Margin is defined according to the loan terms.

      Fixed interest rate - Fixed interest rate of 10 years (agreed with UCI at the moment of signing and without addition of margin).

    • Opening fee of €312.00 (taxes included).
      Administrative and contract fees of €416.00 (taxes included).
      Property valuation fee of €221.00 (taxes included).
      Solicitor services of €389.48 (taxes included).

    • Commission suspended until the 31st of December, 2025, in accordance with article 7 of the Decree-Law no. 80-A/2022 of 25 November (amended by Law No. 1/2025, of 6 January).

      This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.

      Depending on the evolution of the index, the interest rate applied to the mortgage loan contract may be negative under the terms of Law no. 32.2018, of July 18.

    • Documentation for analysis of the mortgage loan application.

    How does it work?

    1

    Apply for a mortgage

    Start your mortgage online! Use our form to apply for your UCI mortgage loan to buy a house.

    2

    We will contact you

    A mortgage specialist will get in touch to learn more about your home buying project and to answer your questions.

    3

    We study your case

    With the required documentation, our team of experts will study your mortgage request and provide you a quick response.

    4

    We finance your home

    Once we've found the right solution, we'll go with you till the deed, helping you on every step of the buying process.

    Frequently asked questions about Mortgage loan to buy a house

    • UCI mortgage loan to buy a house is a financing solution designed for first time buyers, customers moving home, buying a second residence, or even a property for investment.

    • The maximum financing term for the mortgage to buy a house is determined by the product’s 35-year limit and the age of the oldest borrower, who must not be older than 75 years by the end of the contract.

    • The maximum financing percentage is calculated based on the property’s purchase price or appraisal value (whichever is the lowest), and depends on the client’s risk profile. For main residence, financing can be up to 90%, while for other purposes it may be up to 80%.

    • Euribor or “Euro Interbank Offered Rate,” is the reference interest rate used in Portugal for loans with variable interest rates. It represents the average interest rate at which banks in the Eurozone lend to each other, as defined by a panel established by the European Banking Federation. It varies according to factors such as economic climate and the European Central Bank’s monetary policy, and can be reviewed at different intervals (3, 6, or 12 months). The Euribor rate used as a reference for variable rate loans with UCI is the 6-month Euribor.

    • When taking out a mortgage, there are different interest rate options available: variable, mixed, and fixed. Choosing the right interest rate is crucial as it affects your monthly repayments and the total cost of the loan.

      The fixed interest rate is agreed with the bank for a specific period and remains unchanged during that time. The fixed rate period may cover the entire loan term (in fixed rate loans) or only part of it (in mixed rate loans, for example 5 or 10 years). During the fixed rate period, your repayments stay the same and are not affected by market fluctuations.

      The variable interest rate can change throughout the loan term. It is periodically reviewed according to the index review period, for example every six months for the 6-month Euribor.

      For those who value security and prefer a cautious approach, the fixed rate offers certainty and peace of mind by keeping repayments steady during the fixed period. For those comfortable with market conditions and fluctuations, the variable rate may be the more suitable option.

    • The APR (Annual Percentage Rate) and the TAP (Total Amount Payable) are two of the most important indicators of a mortgage, as they reflect the cost of the loan and can be used to compare different mortgage offers.

      The APR reflects the total cost of the loan as a percentage, including bank fees, taxes, credit formalization costs, and insurance associated with the mortgage.

      The TAP reflects the total amount the borrower will pay in euros, including interest and all associated costs. This figure provides a realistic view of the total cost of the mortgage over the loan term.

    Help & Resources

    Whether you're just starting out or already deep into the process, we’ve gathered guides, calculators, videos, and articles to help you make smart, decisions and answer your questions.

    Blog
    Blog

    News, tips and articles about mortgages loans

    Stay up to date with the latest tips, news and articles about mortgages loans for buying a house on our Blog. Whether you're a first-time buyer or just looking to stay in the know, we’ve got you covered.

    Visit our blog

    CUSTOMER REVIEWS

    A mortgage specialist you can trust

    Our customers' opinions
    4.9/5
    + THAN 5000 OPINIONS

    Estou muito satisfeito com o serviço, um acompanhamento bem personalizado, com disponibilidade total e um nível de esclarecimento acima da média.

    JUL 2025

    O serviço prestado pela UCI e especificamente pelo*** foi excelente, e pautou-se pela total disponibilidade, transparência e confiança num processo que durou bastante tempo.

    JUL 2025

    Atendimento foi muito profissional a pessoa responsável pelo o meu processo na UCI me deu toda a orientação com muito detalhes e me ajudou a entender e esclarecer todas as minhas dúvidas isso foi muito importante porque...

    JUL 2025

    Super recomendo. A *** é uma excelente profissional.

    JUL 2025

    Estou extremamente satisfeito com o UCI na pessoa da *** foi incansável e célere para nos ajudar a resolver todas as situações e para que conseguíssemos escriturar o mais rápido possível.

    JUL 2025

    Muito profissional e dedicada a*** Tudo fez para que os constrangimentos fossem ultrapassados. Um processo muito rápido, todo ele tratado à distância. Recomendo, sem dúvida!

    JUL 2025
    Discover what UCI customers have to say

    APR Variable Rate of 4.526%.

    Financing example for a Variable Rate Mortgage, for a total amount of €100,000.00, a purchase price of €130,000.00 and a mortgage term of 360 months, corresponding to 360 monthly repayments of €459,72. Loan indexed to Euribor for 6 months (2,050%), in force in July 2025, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 3,690%, rounded to the thousandth. Total or partial early repayment fee of 0.5 % on the repaid capital. Total amount payable by the consumer of €179.443,46. Total credit cost of €79.443,46. The interest rate applied can be negative depending on the evolution of the respective index.

    Financing example for two 30-year-old holders. It includes the initial expenses with life insurance for 2 holders of €227,46 (average annual value), compulsory multi-risk home insurance €152.05 (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).

    *Commission suspended until the 31st of December, 2025, in accordance with the Decree-Law no. 80-A/2022 of 25 November (amended by Law No. 1/2025, of 6 January). This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.

    APR Mixed Rate (5 years-Fixed Rate) of 5,146%.

    Financing example for a Mixed Rate Mortgage (5 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €130,000.00 and a mortgage term of 360 months, corresponding to 60 monthly repayments of €494,28 and 300 monthly repayments of €464,20. Loan with fixed Nominal Annual Percentage Rate of 4.290%, in the first 5 years, in force in July 2025. In the following periods, the loan is indexed to Euribor for 6 months (2.050%), in force in July 2025, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 3.690%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €192.132,21. Total credit cost of €92.132,21. The interest rate applied can be negative depending on the evolution of the respective index.

    Financing example for two 30-year-old holders. It includes the initial expenses with life insurance for 2 holders of €235,62 (average annual value), compulsory multi-risk home insurance €152.05 (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).

    *Commission suspended until the 31st of December, 2025, in accordance with the Decree-Law no. 80-A/2022 of 25 November (amended by Law No. 1/2025, of 6 January). This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.

    APR Mixed Rate (10 years-Fixed Rate) of 5,250%.

    Financing example for a Mixed Rate Mortgage (10 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €130,000.00 and a mortgage term of 360 months, corresponding to 120 monthly repayments of €500,17 and 240 monthly repayments of €460,39. Loan with fixed Nominal Annual Percentage Rate of 4.390%, in the first 10 years, in force in July 2025. In the following periods, the loan is indexed to Euribor for 6 months (2.050%), in force in July 2025, plus a spread of 1.390%, resulting in a variable Nominal Annual Percentage Rate of 3,440%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €194.291,76. Total credit cost of €94.291,76. The interest rate applied can be negative depending on the evolution of the respective index.

    Financing example for two 30-year-old holders. It includes the initial expenses with life insurance for 2 holders of €236,97 (average annual value), compulsory multi-risk home insurance €152.05 (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).

    *Commission suspended until the 31st of December, 2025, in accordance with the Decree-Law no. 80-A/2022 of 25 November (amended by Law No. 1/2025, of 6 January). This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period. 

    APR Fixed Rate (10 years) of 5.580%.

    Financing example for a Fixed Rate Mortgage (10 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €130,000.00 and a mortgage term of 120 months, corresponding to 120 monthly repayments of €1.035,09. Loan with fixed Nominal Annual Percentage Rate of 4.490% in force in July 2025. Total or partial early repayment fee of 2% on the repaid capital. Total amount payable by the consumer of €129.102,11. Total credit cost of €29.102,11.

    Financing example for two 30-year-old holders. It includes the initial expenses with life insurance for 2 holders of €86,53 (average annual value), compulsory multi-risk home insurance €152.05 (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included). 

    The UCI Mortgage Loan is a mortgage-secured loan agreement. This information does not constitute a financing offer nor does it exempt the customer from consulting the product's full conditions. Conditions applicable to Mortgage Loan contracts. If the loan is granted in foreign currency, the instalments may increase due to variations in the applicable exchange rate. APR calculated according to Decree-Law no. 74 A/2017, of 23 June. Information updated on 1 July 2025.

    For more information, see UCI. Unión de Créditos Inmobiliários, S.A., Estabelecimiento Financiero de Crédito (Sociedad Unipersonal) – Sucursal em Portugal is a financial institution branch with head office in the European Union registered with Banco de Portugal under number 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CREDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL | Banco de Portugal (bportugal.pt)) which acts in compliance with the principles of legality conferred upon it in terms of advertising and consumer information, namely by Notice no. 5/2024 of Banco de Portugal, which establishes the information and transparency duties to be observed by credit institutions and financial companies on the advertising of financial products and services.

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