Find the Right Property in Portugal

Buying property in Portugal is an exciting step — whether you are relocating, investing, purchasing a holiday home, or planning for the future.

The process involves legal procedures, purchase costs, financing considerations, and regional differences that are important to understand before making an offer. Having clear guidance from the start helps you move forward with confidence.

Complete the form below and we will:

  • Understand your goals and preferred locations

  • Recommend suitable properties based on your criteria

  • Explain the buying process step by step

  • Outline taxes and acquisition costs

  • Arrange viewings in person or virtually

We work with buyers from Portugal and around the world, ensuring a smooth and transparent purchase experience from start to finish.

 

Your enquiry is confidential and without obligation.

Frequently Asked Questions About Buying Property in Portugal

Can foreigners buy property in Portugal?
Yes. There are no restrictions on foreign nationals buying property in Portugal. Non-residents can purchase homes, investment properties, or land without special permission.

Do I need a Portuguese tax number (NIF) to buy property?
Yes. A Portuguese tax number (Número de Identificação Fiscal – NIF) is required to purchase property. Non-residents can obtain one through a fiscal representative.

How long does it take to buy property in Portugal?
Once an offer is accepted, the process typically takes 30 to 60 days until completion. The timeline can vary depending on financing, legal checks, and documentation.

What are the costs of buying property in Portugal?
In addition to the purchase price, buyers should budget approximately 6% to 8% for taxes and legal costs. These typically include:

  • IMT (Property Transfer Tax)

  • Stamp Duty

  • Notary and registration fees

  • Legal fees

Costs may vary depending on property value and type.

What is IMT in Portugal?
IMT (Imposto Municipal sobre Transmissões) is a property transfer tax paid by the buyer. The rate depends on the purchase price, property type, and whether it is a primary residence or second home.

Can I get a mortgage in Portugal as a foreigner?
Yes. Portuguese banks offer mortgages to non-residents. Lending terms vary, but many banks finance 60% to 70% of the property value for international buyers, subject to approval.

Is it safe to buy property in Portugal?
Yes. Portugal has a well-regulated property market. Purchases are formalized through a notary and registered at the Land Registry, providing legal security for buyers.

Do I need a lawyer when buying property in Portugal?
It is not legally required, but it is strongly recommended. An independent lawyer ensures the property has no debts, verifies licenses, and protects your interests throughout the transaction.

What is the Promissory Contract (CPCV)?
The Promissory Contract (Contrato de Promessa de Compra e Venda) is a legally binding agreement signed before completion. The buyer usually pays a deposit of 10% at this stage.

What happens at the final deed (Escritura)?
The final deed is signed before a notary. The remaining balance is paid, and ownership is officially transferred and registered.

Can I buy property in Portugal without being present?
Yes. Buyers can grant Power of Attorney to a legal representative who can sign documents on their behalf.

Are there annual property taxes in Portugal?
Yes. Property owners pay IMI (Imposto Municipal sobre Imóveis), an annual municipal tax. The rate depends on the property’s taxable value and location.

 

Can I buy property in Portugal for investment purposes?
Yes. Many buyers purchase property for rental income or long-term appreciation. It is important to understand licensing requirements and tax obligations if renting the property.