Tell us who the household is
Job, holders, residence, and whether a house is already in view. No endless form.
Home loans for people building a life in Portugal
Don't walk into the bank blind.
Be ready before the bank and partners ask. Upload what you have. Finish later. The right list for your profile, without pretending to be the bank.
Prepare my dossier
2 minutes to your first list · Email only to save progress
1. Your profileEight questions. No endless form.
2. The right listWhat you need now, and what they still ask later.
3. At your paceUpload today. Come back tomorrow.
Built for immigrants and residents buying a home in Portugal who refuse to show up to credit unprepared.
How it works
Eight questions. The right list. Your pace.
Minha Terra is not the bank. It gathers what credit will ask for, for your profile, before the meeting where someone asks if you have the full IRS.
Get the list for your profile
What you need now to start the loan file, and what only matters once there is a CPCV.
Upload what you already have
Keep it in the dossier. Come back tomorrow. Ask for a human look when you are ready.
Who it's for
Immigrants and residents who refuse to show up unprepared.
Built by people who already did the paperwork in Portugal. It serves first-time buyers, one or two holders, and people still searching for a home.
- People with a residence permit, citizenship, or visa who want a home loan
- People on an employment contract, green receipts, or mixed income
- People still searching — the loan pack does not wait for the CPCV
Documents
What banks ask for first. What comes later.
ID, IRS, payslips, statements. Later, if there is a house: CPCV, property booklet, licences. The real list follows your profile — this is the map, not a substitute for the bank.
What to gather now
ID, tax returns, payslips, statements. The list follows your job, holders, and residence.
What they still ask
Once a house is in view: CPCV, property booklet, licences. Searching users are not blocked.
A file, not an inbox
Keep what you already have. Ask for a human look when you are ready.
Request a human review when the dossier is ready. Someone checks what's missing before you talk to the bank.
Price and turnaround before you confirm. No surprises.
Questions
We are not the bank. We are not the state.
Minha Terra helps you gather the file. The credit decision stays with the bank. Using it is free.
Is Minha Terra a bank or a credit intermediary?
No. We do not grant credit, we do not score your ability to get a loan, and we do not pretend to be the bank. Minha Terra helps you gather the documents that credit teams and partners usually ask for.
Who is this for?
Immigrants and residents buying a home in Portugal who refuse to arrive with incomplete paperwork. It serves one or two holders, employment contracts or green receipts, and people still searching for a property.
Which documents will I need?
In general: ID, NIF, address, IRS, proof of income, statements, and the Bank of Portugal responsibilities map. If a house is in view, add CPCV, property booklet, and licences. The exact list follows your profile.
What does it cost?
It is free. You pay nothing to create the dossier or upload documents.
Start
Your list in two minutes
See what banks ask for first. Then eight short questions and we personalize. No endless forms.