Divorce and Mortgage in Portugal: What UK Nationals Must Know

Divorce and Your Mortgage in Portugal: What UK Nationals Should Know

Divorce is challenging enough, but dealing with a property and a mortgage abroad can feel even more complicated. In Portugal, the process is structured and offers several clear options for couples who jointly own a home.

Most British nationals will find the system similar to the UK in some areas, but with important differences — especially regarding joint liability (co‑mutuários) and the bank’s role in approving any changes to the mortgage.

Key points explained in UK‑friendly terms:

• Both spouses are usually joint owners and joint borrowers.

• A property valuation works much like a UK estate agent’s appraisal.

• The LTV (Loan‑to‑Value) ratio is crucial for determining your options.

• Selling the property to repay the mortgage is straightforward.

• One spouse can buy out the other, but the bank must approve the mortgage transfer.

• If the bank refuses, you can remortgage with another lender.

This guide helps UK nationals navigate the Portuguese system with clarity and confidence.