--- title: "Mortgage and Tax Benefits: What You Can Deduct in 2026" description: "Do you have a mortgage? Find out what you can deduct in your IRS (Portuguese income tax) in 2026, which contracts qualify, and how housing rules work." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Article", "headline": "Mortgage and Tax Benefits: What You Can Deduct in 2026", "description": "Do you have a mortgage? 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Mortgage and Tax Benefits: What You Can Deduct in 2026 [Back to blog](/en/blog) [Imobiliário](/en/blog?tag=imobili%C3%A1rio)[Benefícios Fiscais](/en/blog?tag=benef%C3%ADcios%20fiscais) # Mortgage and Tax Benefits: What You Can Deduct in 2026 GY [Grupo Your](/en/blog?author=Grupo%20Your) 19 June 2026· 2 min read Share ![Mortgage and Tax Benefits: What You Can Deduct in 2026 por Grupo Your - Grupo Your Contabilidade](https://xmvtahclopqwmxwnbimy.supabase.co/storage/v1/object/public/blog-images/grupo-your-credito-habitacao-beneficios-fiscais-2026.jpg "Mortgage and Tax Benefits: What You Can Deduct in 2026 por Grupo Your - Grupo Your Contabilidade") ## In this article - [Mortgage Interest Deduction](#mortgage-interest-deduction) - [Rents as an alternative](#rents-as-an-alternative) - [Amortisation and Capital Gains](#amortisation-and-capital-gains) - [IMI (Municipal Property Tax) and Housing](#imi-municipal-property-tax-and-housing) - [Support for Young Homebuyers](#support-for-young-homebuyers) - [What to gather for IRS](#what-to-gather-for-irs) For many families, a mortgage is the largest monthly expense. The good news is that part of these charges may qualify for IRS (Portuguese income tax) deductions, although with restrictive rules. See what applies. ### Mortgage Interest Deduction The deduction of mortgage interest is limited to contracts entered into until the end of 2011. Those who took out a mortgage from 2012 onwards generally do not benefit from this deduction. This limitation surprises many taxpayers. ### Rents as an alternative Those who rent a house for their primary and permanent residence can deduct part of the rents paid, up to an annual limit. This is significant support for those who do not own a home. ### Amortisation and Capital Gains There are rules that allow the use of capital gains from the sale of a property to pay off (amortise) a mortgage for a family member's own home, with tax implications. These measures have specific conditions and deadlines. ### IMI (Municipal Property Tax) and Housing An owner's own home is subject to IMI (Municipal Property Tax), but may benefit from temporary exemptions in certain situations, for example, for low-income households or by decision of some municipalities. It is worth confirming the situation with the local council. ### Support for Young Homebuyers Specific support has been created for young people buying their first home, including exemptions from IMT (Municipal Tax on Onerous Property Transfers) and Imposto do Selo (Stamp Duty) within certain value and age limits. These measures change frequently, so it is important to confirm the current conditions. ### What to gather for IRS Keep proof of interest, rents, and charges, and confirm that they are correctly classified in e-Fatura. Without documentation, you lose the deduction. At Grupo Your, we help you identify all the housing-related deductions you are entitled to. Talk to us before the next IRS season to avoid leaving money on the table. 0 0 Share ### Get the latest tax news Subscribe to our newsletter and receive articles, tax alerts and tips directly in your inbox. Subscribe I agree to receive email communications from Grupo Your. I can unsubscribe at any time. My data will be processed according to the [privacy policy](/en/privacy-policy). ### Need help with your company? Talk to us and receive a proposal tailored to your business. 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