Discover how the E-Lar scheme helps families save on energy bills and mortgage payments.
When searching for a new home, the decision goes far beyond location, property type, or the monthly mortgage payment. Today, factors such as energy efficiency and available government incentives carry significant weight, not only for day-to-day comfort but also for the medium and long-term value of the property.
It is in this context that the E-Lar Programme was created — a government initiative that can be particularly relevant for those planning to buy a home with a mortgage loan, transfer their existing mortgage to better conditions, or carry out modernisation works.
What is the E-Lar Programme?Discover how the E-Lar scheme helps families save on energy bills and mortgage payments.
The E-Lar is a financial incentive designed to help Portuguese households replace gas-powered equipment (such as cookers, ovens, or water heaters) with more efficient electric alternatives. The aim is to cut energy consumption, promote more sustainable use of resources, and at the same time improve the quality and value of properties.Funding is limited, with applications open until June 2026 (or until the budget runs out). Grants can reach €1,683 for vulnerable families and up to €1,100 for other consumers, partially covering the purchase and installation of new equipment.
Why is this relevant for mortgage seekers?
When planning to buy a home — whether it is your first house, a second residence, or even a new property after a mortgage transfer — energy efficiency can influence several aspects:- Property value: homes with modern and efficient systems are more attractive in the market, which may support price negotiations and even bank approval.
- Lower monthly costs: reduced energy bills mean more balanced family budgets, helping to manage mortgage repayments.
- Better financing options: sustainable properties can sometimes benefit from more competitive mortgage products.
- Smarter planning: if you are running a mortgage simulation, factoring in government-supported improvements can make a real difference.
How does it work in practice?
The process is straightforward and is based on obtaining a digital voucher that can be used in participating shops:- Register on the Fundo Ambiental portal.
- Fill out the E-Lar application form with personal and property details.
- Upload the required documents (tax number, social security number, CPE code, photo of the old equipment, etc.).
- Approve the Terms of Acceptance if the application is successful.
- Use the voucher within 60 days to purchase eligible electric equipment.
The impact on home-buying decisions
If you are currently comparing different properties, don’t look only at location or price per square metre. It is equally important to assess:- The condition of the property’s energy systems;
- The home’s energy efficiency rating;
- Whether the property could benefit from the E-Lar Programme;
- How these improvements could impact long-term value.
How Credit Place can help
At Credit Place, we help you find the best mortgage solutions, analyse alternatives for mortgage transfers, and explain how to optimise financing according to your profile. Government incentives such as the E-Lar Programme are another piece of the puzzle that may influence your decision.
With our personalised advice, it becomes easier to combine your mortgage with available incentives and maximise the value of your investment.
If you are looking for a home loan, run a quick and simple simulation with us here: