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In this conversation, Kalie and Rafael discuss the current state of the housing market in Portugal, focusing on the stability of prices and the active nature of the market. They delve into the favorable interest rates for mortgages, explaining the different options available to buyers. Rafael outlines the mortgage process, emphasizing the importance of pre-approval and the necessary documentation. The discussion also covers practical advice for prospective homebuyers, including understanding additional costs and the benefits of working with a mortgage broker. Finally, they touch on future considerations for property investment in Portugal, especially for those looking to retire or invest from abroad. 🎙️ Welcome to the ExpatsEverywhere Podcast! Join us on the journey of learning about Portugal and expat life around the world. Each week, we bring you expert interviews, insightful commentary, and real-life stories to help you navigate your move abroad with confidence. 💼 Green Ocean Global | Financial Advisory for Expats Schedule a free 15-minute intro call with John, our trusted financial advisor: http://www.calendly.com/johnoceansgreen (Choose the ExpatsEverywhere Intro Call) 🚚 Global International Relocation [Season 5 Sponsor] Get a Quote Today: https://global.pt 🎉 Love what we’re doing? Join the movement. Be a part of our community on Patreon and get early bonus content, behind-the-scenes updates, and connect with fellow expats moving to and living in Portugal: 👉 / expatseverywhere 🌍 About Us We’re Josh and Kalie, and we’ve been living abroad since 2009. Our expat journey has taken us through Spain, South Korea, Saudi Arabia, Singapore, and now Portugal. We share what we’ve learned to help you move abroad smarter and live abroad better. 📌 Portugal Visa Help We created two step-by-step courses to help you DIY your D7 or Remote Worker visa for Portugal. Podcast listeners get $10 off any course with code: PODCAST 👉 D7 Visa Course: https://expatseverywhere.thinkific.com 👉 Remote Worker Visa Course: https://expatseverywhere.thinkific.co... 🛠️ Useful Expat Resources Here are tools and services we use and recommend. Some links are affiliate links that support our work—thank you! 💸 Transfer Money Wise (formerly TransferWise): https://transferwise.prf.hn/click/cam... Spartan FX (speak to a specialist): https://www.spartanfx.co.uk/fx-partne... 📺 Watch Your Shows Abroad SurfShark VPN – Get 40% off: https://get.surfshark.net/aff_c?offer... 🛡️ Digital Security Aura – 2-week free trial: https://aura.com/expatseverywhere 🏦 NIF & Bank Setup in Portugal Bordr – $10 off NIF and/or bank account: https://www.bordr.com/?via=expatsever... 🌐 Insurance Abroad SafetyWing – Travel & expat health insurance: https://tinyurl.com/ykt5e73w 🗣️ Learn Portuguese Ling App – Yearly subscription offer: https://ling-app.com/offer-yearly-sub... Portuguese with Carla: https://journey.portuguesewithcarla.c... Mia Esmeriz Academy: https://school.learn-portuguese.org/c... 📬 Mail Forwarding World Post: https://worldpost.anytimemailbox.com/... 💰 Taxes for Expats Taxes for Expats – Get $25 off: https://www.taxesforexpats.com/ref/239 📬 Get in Touch Email: [email protected] Website: http://www.expatseverywhere.com Instagram: / expatseverywhere Facebook: / expatseverywhere Twitter: / expert_expat #ExpatsEverywhere #MoveAbroad #portugalpodcast 00:00 intro 00:37 Ad 01:50 Weekly welcome 10:25 Ad 11:28 Housing Market Trends and Predictions 17:32 Interest Rates and Mortgage Options 20:25 Mortgage Application Process Explained 29:07 Documentation Required for Mortgages 37:44 Final Advice for Homebuyers