Buying Advisory
Buy Property in Portugal
From first contact to deed signing. Full support, full transparency.
Buyer Profiles
What Type of Buyer Are You?
Investor
Buying to generate yield: long-term rental or short-term tourism.
Resident
Buying to live with family, full-time or part-time.
Second Home
Holiday home or European retreat with solid appreciation.
How It Works
Our Process
Define Criteria
Area, type, total budget and objective (living, investment, NHR/Golden Visa).
Search & Shortlist
Active market search, including off-market properties and new launches.
Analysis & Due Diligence
Verify land registry, liabilities, licences and property condition.
CPCV (Promissory Contract)
Promissory contract with deposit (typically 10-20%). Legal support included.
Deed & Keys
Notarial signing, registration and key handover.
Taxes & Costs
What to Budget For
In Portugal, the buyer pays IMT, Stamp Duty and notary costs. We calculate the total cost before any offer.
✓ Our commission is always paid by the seller or landlord — never by the buyer or tenant. Our service comes at no extra cost to you.
* Indicative values for informational purposes. Exact calculation upon property analysis.
Mortgage for Non-Residents
Several Portuguese banks finance foreign buyers, typically between 60–80% of the appraised value. Residents can access up to 90%. We support you in choosing the right bank and preparing your application.
Simulate financing →Rental Yields & Appreciation
Lisbon and Cascais offer gross rental yields of 3–5% per year, with consistent historical appreciation. The premium market remains resilient with strong international demand.
Analyse your return →FAQ
Direct Answers
Can foreigners buy property in Portugal?
Yes, with no restrictions. Residents and non-residents have equal property ownership rights in Portugal.
What is the first step?
Obtain a NIF (Número de Identificação Fiscal) at any Tax and Customs Office or Loja do Cidadão. It is the foundation for the entire purchase process.
Is a lawyer necessary?
Not mandatory, but highly recommended for due diligence — checking for property debt, legal restrictions, unpermitted construction, and verifying the land registry.
What are the main transaction costs?
IMT (Property Transfer Tax): varies by price, property type, and whether it is a primary or secondary home. Stamp Duty: 0.8% of the property value. Legal fees: typically 1–1.5% + VAT. Notary & registration fees: for finalising the deed (Escritura).
What is the buying process?
1. Get a NIF and open a bank account. 2. Sign a Promissory Contract (CPCV) with a deposit of 10–20%. 3. Complete legal due diligence. 4. Sign the final deed (Escritura) before a notary.
Can I get a mortgage in Portugal?
Yes. Non-residents can generally borrow 60–80% of the property value; residents can borrow up to 90%. Several Portuguese banks work with international clients.
What taxes do I pay annually?
Municipal Property Tax (IMI) ranges from 0.3% to 0.8% of the tax rateable value of the property.
Does the advisory cost me anything as a buyer or tenant?
No. For buy and rent mediation, our commission is paid by the seller or landlord — never by the buyer or tenant. We work entirely on your side at no extra cost to you.
Can I buy without being in Portugal?
Yes. Through a notarial power of attorney, a representative can sign the deed on your behalf. This is a common and secure process for foreign buyers.
How long does a purchase take?
Between the promissory contract (CPCV) and the final deed, typically 30 to 90 days, depending on financing and due diligence.
Ready to Start?
Let's Talk About Your Project
Always free initial consultation. No commitment. Reply within 24 hours.