A new home starts with Bison Bank.
For the purchase of a primary residence, mortgage refinancing, or real estate investment for other purposes, we offer a mortgage solution tailored to each customer’s needs and profile.
Mortgage Solutions
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With the goal of providing appropriate services to both the domestic and international markets, Bison Bank*, in partnership with UCI (Unión de Créditos Inmobiliarios, S.A., EFC (Sociedad Unipersonal) – Portugal Branch)**, offers a simple and accessible mortgage solution for all Bison Bank clients, wherever they may be.
Available to both Portuguese and international clients wishing to purchase a home in Portugal, Bison Bank, acting as a tied credit intermediary, and UCI, acting as the lending institution, provide financing of up to 70% of the property purchase price. Clients benefit from personalized support throughout the entire process, with a dedicated advisor from each institution, as well as access to the Green Mortgage – a financing solution designed for properties with high energy efficiency.
*Bison Bank is duly authorized to provide credit intermediation services and is registered with the Bank of Portugal under code 63 and with the Portuguese Securities Market Commission (CMVM) under number 385. Bison Bank acts as a tied credit intermediary on a non-exclusive basis.
** The granting of mortgage solutions is the sole responsibility of UCI – Unión de Créditos Inmobiliarios, S.A., E.F.C. – Portugal Branch, the lending institution registered with the Bank of Portugal under number 0403 as a credit institution.
Details that matter
Term
Mixed or Variable Rate
Minimum of 7 years and maximum of 35 years according to the selected product, Client profile, and up to a maximum of 75 years of age at the end of the loan.
Interest Rate
Mixed Rate
Fixed interest rate for 5 years, established at the time of taking out the loan and without adding a spread. After the fixed rate period, the interest rate on the loan becomes the interest rate indexed to the 6-month Euribor + spread. The spread may vary according to the loan conditions.
APR Mixed Rate (Fixed Rate 5 years) – 5,351%
Variable Rate
Interest rate indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions.
APR Variable Rate indexed to the 6-month Euribor – 4.975%
APR Variable Rate of 4.808%.
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 €475,23. Loan indexed to Euribor for 6 months (2,322%), in force in April 2026, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 3,962%, rounded to the thousandth. Total or partial early repayment fee of 0.5 % on the repaid capital. Total amount payable by the consumer of €185.151,03. Total credit cost of €85.151,03. 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 €231,17 (average annual value), compulsory multi-risk home insurance €159.63 (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €234.00 (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).
APR Mixed Rate (5 years-Fixed Rate) of 5,210%.
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 €497,81 and 300 monthly repayments of €478,16. Loan with fixed Nominal Annual Percentage Rate of 4.350%, in the first 5 years, in force in April 2026. In the following periods, the loan is indexed to Euribor for 6 months (2.322%), in force in April 2026, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 3.962%, 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 €193.493,43. Total credit cost of €93.493,43. 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 €236,43 (average annual value), compulsory multi-risk home insurance €159.63 (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €234.00 (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 April 2026.
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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Bison Bank, as a Linked Credit Intermediary authorized to operate in Portugal, is registered with the Bank of Portugal, under code 63, and is included in the list of Credit Institutions that provide credit intermediation services, information that can be consulted through the list of Credit Institutions acting as Credit Intermediaries on the Bank of Portugal’s website. The credit intermediary activity of Bison Bank is subject to the supervision of the Bank of Portugal, with its civil liability ensured by the insurer Hiscox, S.A..
Bison Bank acts as a Linked Credit Intermediary without exclusivity. The granting of housing credit is the exclusive responsibility of UCI – Unión de Créditos Inmobiliários, S.A.E.F.C. – Branch in Portugal, a lending entity registered with the Bank of Portugal under code 403 as a Credit Institution. The Bison Bank Mortgage Solution is a product under the responsibility of Unión de Créditos Inmobiliarios, S.A. Establecimiento Financiero de Crédito (Sociedad Unipersonal), Portugal Branch (“UCI”), and is marketed by Bison Bank, S.A. (“Bison Bank”) in its capacity as a tied, non-exclusive credit intermediary.
* UCI – Unión de Créditos Inmobiliários, S.A., Financial Credit Establishment (Single-Member Company) – Branch in Portugal is a branch of a financial institution headquartered in the European Union, registered with the Bank of Portugal under the number 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) – BRANCH IN PORTUGAL) that operates in compliance with the principles of lawfulness conferred upon it regarding advertising and consumer information, particularly in Notice No. 10/2008 of the Bank of Portugal, which establishes the duties of information and transparency to be observed by credit institutions and financial companies in advertising financial products and services. Please consult UCI for more information.
For further information, we invite you to visit: Mortgages in Portugal for Non-Residents | UCI
The UCI Housing Credit is a mortgage-backed loan agreement. This information does not constitute an offer of financial conditions nor does it replace the consultation of the complete product terms. Conditions are valid for contracts concluded under the Housing Credit regime. APR calculated in accordance with Decree-Law No. 74 A/2017, of June 23.
This disclosure is of an advertising nature and is made by Bison Bank.