LoanNest Editorial
Mortgage Intermediary
⟳Last updated: 4 July 2026
DRAFT PLACEHOLDER
Key topics to cover:
- D7 eligibility: passive income types, income thresholds per family size
- D8 eligibility: remote work evidence, income threshold, qualifying employers
- Side-by-side comparison table
- Application process: consulate → AIMA steps
- Government fee breakdown for each
- IFICI/NHR 2.0 intersection (which visa qualifies)
- Impact on mortgage terms (resident vs non-resident rates)
- Key pitfalls and common rejections
Frequently Asked Questions
What is the difference between a D7 and D8 visa for Portugal?
The D7 is for people with passive income (pensions, rental income, investments) of at least €920/month in 2026. The D8 is for remote workers earning at least €3,680/month (4× minimum wage) from a non-Portuguese employer. D7 holders can qualify for IFICI if they have qualifying professional income; D7 passive-income retirees generally do not.
Can I get a mortgage in Portugal with a D7 or D8 visa?
Yes — once you have Portuguese tax residency through a D7 or D8 visa, you may qualify for resident mortgage terms (up to 90% LTV for primary residence) rather than non-resident terms (60–70% LTV). The bank will still assess your income stability and currency risk.
How long does it take to get a D7 or D8 visa in Portugal?
The typical timeline from consulate appointment to AIMA residence permit is 3–6 months, but varies by consulate and nationality. Some consulates (e.g. Brazil, US) have longer wait times for the initial appointment.
Do I need to be in Portugal to apply for a D7 or D8 visa?
The initial visa application is made at the Portuguese consulate in your home country. Once approved and you enter Portugal, you must apply for the AIMA residence permit in person. You must spend a minimum number of days in Portugal to maintain the permit.
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