Portugal Bridging Finance
Our bridging loans provide quick and certain funding for acquisitions across Portugal, with loans from €5 million.
As specialists in high-value international property finance, we have a trusted network of over 250 lenders, including private banks, HNW lenders and specialist finance providers.
Expert finance advice
tailored to you
Quality service
Fast, friendly and professional service.
Lender Choice
Over 250 Banks, Hedge Funds, Family Offices & more.
Experience
Over 15 years of specialist finance broking.
Bespoke Lending
Finance tailored specifically to meet your needs.
Financing Opportunities
Portugal’s property market offers compelling opportunities for international investors.
From Lisbon’s urban regeneration projects to the Algarve’s premium resorts, and from Porto’s historic centre to emerging coastal hotspots, our bridging loans deliver quick, flexible funding when you need it.
Completing in as little as three weeks, with terms from 6 to 48 months, our loans let you move quickly on opportunities while arranging permanent finance or implementing your exit strategy.
Every Portuguese property deal is different, which is why we create bespoke funding packages for each transaction.
Whether you need higher leverage, flexible interest options, or specific security arrangements, we’ll structure the loan to match your requirements and the unique characteristics of your project.
Maximum 60% loan to value.
What can a Portugal bridging loan be used for?
Purchase
Portugal bridging loans are particularly useful when you need to move quickly to secure a property or land.
These loans are also valuable when you’re buying a property that needs significant renovation work – something that traditional mortgage lenders often shy away from.
Raise capital
If you already own property in Portugal, a bridging loan can help you unlock its value without selling.
This type of funding works well when you need quick access to capital, perhaps for property renovations or to take advantage of a time-sensitive business opportunity.
Refinance
Sometimes your original bridging loan needs to be replaced with a new one – this is where refinancing comes in.
This typically happens when your current loan is coming to an end but your exit strategy needs more time to play out. For example, if property renovations are taking longer than expected or market conditions have delayed your sale plans.
Who Can Borrow?
We exclusively arrange Portugal bridging finance for corporate borrowing entities.
Our expertise lies in working with sophisticated structures including BVI companies, Luxembourg SPVs, and Portuguese corporate vehicles.
This specialisation allows us to provide precisely tailored funding solutions for professional property investors and developers focusing on Portugal’s growing real estate market.
Your borrowing entity can be:
- A BVI holding company
- A Luxembourg SOPARFI
- A Portuguese Sociedade por Quotas (Lda.)
- A Portuguese Sociedade Anónima (S.A.)
- An international corporate SPV
- An established property investment company
We understand the complexities of cross-border transactions and multi-jurisdictional security structures, particularly within Portugal’s Golden Visa framework. Our lender network specifically caters to corporate borrowers, offering advantages in tax efficiency, asset protection, and succession planning under Portuguese law.
This specialist focus means we don’t arrange bridging loans in Portugal for personally owned properties.
Property Types
Our expertise spans the entire Portuguese property market.
For residential purchases, we finance everything from luxury villas to apartment complexes. If you’re looking at commercial property, we understand the unique requirements of hotels, retail units, and office developments.
Many of our clients also use our bridging finance for development projects.
Whether you’re converting an existing building into luxury apartments or building from the ground-up, we’ll create a short-term funding package that fits your project timeline.
Luxury Residential
Prime homes in sought-after locations demand swift, discrete financing.
We arrange high-value loans for premium houses, apartments and penthouses across Portugal’s most exclusive areas, from Lisbon’s historic Chiado district to Algarve’s prime coastal spots, Vale do Lobo’s golf retreats to Porto’s riverside developments.
Commercial Property
Office buildings, retail units and industrial spaces each require specialist funding approaches.
We structure loans that match the unique income profiles and development potential of commercial assets, with particular expertise in value-add opportunities and change-of-use projects.
Hotels & Hospitality
Portugal’s thriving tourism market creates compelling opportunities in the hospitality sector.
We finance everything from boutique hotels in Lisbon’s historic quarters to luxury resorts along the Algarve coast, with loans structured around Portugal’s peak seasons and your renovation timelines.
Student Accommodation
Portugal’s expanding international student population drives significant PBSA demand, particularly in Lisbon, Porto and Coimbra.
We provide funding for both new purpose-built student developments and conversions near Portugal’s leading universities, with loans structured around academic calendars and student housing yields.
Private Rented Sector (PRS)
Portugal’s PRS market is expanding rapidly, particularly in Lisbon and Porto where rental demand continues to strengthen.
Our funding solutions support both ground-up build-to-rent developments and the acquisition of existing multi-unit blocks, with loan terms tailored to institutional investment horizons and Portuguese rental market dynamics.
Mixed-Use Developments
Mixed-use properties are integral to Portugal’s urban fabric, especially in historic districts where planning laws often require retail at street level with residential above.
We arrange finance that reflects these unique characteristics, whether you’re renovating a historic building in Lisbon’s Chiado or developing a new scheme in Porto’s emerging areas.
Land & Development Sites
Portugal offers exceptional development opportunities, whether it’s urban regeneration sites in Porto, beachfront plots in Comporta, or residential land in the Algarve.
We structure acquisition and development finance that supports your entire project timeline, from securing planning permission through to completion.
Logistics & Industrial
Portugal’s strategic Atlantic location and growing e-commerce sector drives significant demand for modern logistics space.
We finance distribution centres, last-mile delivery hubs and warehousing facilities, with particular focus on key logistics corridors around Lisbon, Porto, and Sines, plus emerging hubs in Setúbal and the Alentejo.
Your Trusted Partner
Advantages
The real power of Portuguese bridging finance lies in its flexibility and speed.
You’ll get funds when you need them, often within three weeks of application. This fast access lets you move on opportunities that others might miss. For developers and investors in Portugal’s growing market, the ability to roll up interest payments until the end of the term helps manage cash flow during projects.
Plus, our lenders understand the needs of international investors, considering foreign income and complex company structures. This makes these loans particularly suitable for overseas investment in Portugal’s prime property sectors.
Points to Consider
Bridging finance comes at a premium compared to standard Portuguese mortgages, reflecting its specialist nature and speed.
You’ll need a solid exit strategy – whether that’s a property sale, refinance, or another source of funds. The minimum deposit typically sits at 50%, though this can vary based on the property type and location in Portugal. Set-up costs include arrangement fees, plus legal and valuation fees. Some lenders also charge early repayment fees, though we’ll always try to negotiate flexible terms.
Equity Release Options
Many property owners in Portugal use bridging loans to unlock equity from their existing assets.
This strategy works particularly well when you need quick capital for business expansion or further property investment. The funds can support refurbishment projects in historic districts, tax payments, or provide working capital for your business.
Repayment Options
Your exit strategy forms an important part of any bridging loan application.
Most clients repay through property sale or refinancing to a long-term mortgage. For development projects, particularly in urban regeneration zones or prime coastal locations, the exit often comes from completing the project and either selling units or refinancing against the enhanced value. Some clients plan their exit around business sale proceeds or investment maturity.
We’ll help structure your loan around your intended exit, ensuring the term length and conditions align with Portuguese market conditions and your own timeline.
Why Choose Bridging Finance London
Our success in arranging Portuguese property finance stems from deep market knowledge and strong lender relationships.
When you work with us, you’ll deal directly with senior advisers who understand both Portuguese property dynamics and international lending requirements.
We’ve arranged funding for luxury resorts in the Algarve, Porto’s riverside developments and major logistics projects near Sines.
More importantly, we understand that every Portuguese property deal brings its own unique challenges.
You’ll get a dedicated adviser who stays with you throughout the process, handling lender negotiations and ensuring smooth progress to completion.
We know that timing matters in property.
That’s why we focus on swift decision-making and clear communication. From your first call to final completion, you’ll have direct access to the people who can make your Portuguese property finance happen.
Get Started – Call 020 3488 5706 for your free consultation.
