Lower-value base
The model applies the chosen ratio to the lower of the purchase price and bank valuation.
Mortgage valuation scenario
What if the bank values the property below the price?
Apply a selected loan-to-value ratio to the lower of the price and valuation and see the effect on the buyer's cash requirement.
Mortgage planning
See how a lower bank valuation changes your cash requirement.
Banks normally apply the selected loan-to-value ratio to the lower of the purchase price and their valuation. Use the ratio as a scenario, not as a bank offer.
Estimated cash required, including the costs you entered
€79,500
- Lower value used to calculate the loan
- €325,000
- Illustrative loan amount
- €292,500
- Price above bank valuation
- €25,000
- Purchase price paid from your own funds
- €57,500
The bank decides the valuation, eligibility, maximum ratio and final loan. The result excludes bank fees and any costs not entered.
Avoid a late funding surprise
The valuation gap is funded outside the mortgage.
Taxes remain
IMT, stamp duty and other purchase costs are separate from the deposit and are not normally solved by a higher LTV.
No approval promise
The bank sets its valuation, eligibility rules, ratio, term, rate and final offer after reviewing the borrower and property.
Official references
Official references
Rules and public services can change. Open the current official source before relying on a deadline, rate or record.
The valuation gap is funded outside the mortgage.
Does selecting 90% mean the bank will lend 90%?
No. The Banco de Portugal ceiling is 90% only for a primary residence and 80% for other purposes. These are ceilings, not approvals; the bank may apply a lower limit or decline the application.
Is the result a quote or professional advice?
No. It is an indicative scenario based only on the information entered. Confirm the final figures and the terms of your transaction with the relevant authority, bank or qualified professional.