To apply for a mortgage in Portugal as a foreigner, you need a Nota de Liquidação from Portuguese IRS. This guide covers how to obtain it!
Go to Portal das Finanças
Login with NIF + password or Chave Móvel Digital
Open menu: Serviços > IRS > Consultar Declaração
Select the desired year (2023, 2024, 2025)
Download “Nota de Liquidação” in PDF