How Canadians Are Falling in Love with - and Buying Homes in Portugal

Whether you want a vacation getaway, a place to retire, or a smart investment, Portugal offers amazing value and a safe, welcoming community. And the best part? Buying property here is easier than you might think — especially with the right guidance.

That’s where I come in. I help Canadians every day find their perfect home in Portugal.

How to Buy Property in Portugal as a Canadian

Falling in love with Portugal is easy — and buying here can be too, once you understand the process. Whether you’re looking for a vacation home, a retirement retreat, or an investment property, these are the key steps to making your Portugal dream a reality.

1. Decide What Kind of Home You Want

Start by thinking about how you’d like to live in Portugal.
Would you like:

• A cozy apartment near cafés and shops?

• A villa with a pool and ocean views?

• A peaceful farmhouse surrounded by olive trees?

Make a list of your “must-haves” and “nice-to-haves.” It will help us focus on homes that truly fit your lifestyle.

2. Set Your Budget

Before we start shopping, it’s important to know your budget.
Remember, there are extra costs in Portugal such as:

• Lawyer fees

• Taxes

• Property transfer costs

I can connect you with trusted local experts who’ll help you understand all the details, so there are no surprises later.

3. Work With a Trusted Real Estate Agent

That’s where I come in.
As a real estate professional who helps Canadians buy in Portugal, I guide you through every step — from finding the right home to connecting you with lawyers, banks, and mortgage experts.

Having someone on your side who understands both countries’ systems makes the process much smoother.

4. Visit and Explore

When you find homes you love, it’s time to explore.
Visit the neighbourhoods, walk through the markets, and get a feel for daily life.

Portugal is full of hidden gems — and sometimes the perfect home finds you.

5. Hire a Lawyer and Make an Offer

Once you’ve found “the one,” your lawyer will make sure everything is legal and clear. Then you can make an offer and sign the first contract.

6. Get a NIF Number

If you’re not from Portugal, you’ll need a NIF number (a tax ID).
Don’t worry — I help my clients with this all the time.

It’s a simple step that allows you to officially buy property in Portugal.

7. Sign the Final Deed and Celebrate!

After your lawyer confirms everything is complete, you’ll sign the Deed of Sale — and just like that, you’re a homeowner in Portugal.

Let’s Find Your Dream Home in Portugal!

Ready to make your move?
Whether you’re still exploring or already searching for your perfect home, I’m here to help every step of the way.

Reach out today to connect with a Portugal property expert and start your journey.

Related: Best Areas in Portugal for Canadian Buyers · Why Invest in Portugal· Travelling to Portugal for the First Time

Frequently Asked Questions About Buying Property in Portugal

Can a Canadian buy property in Portugal?

Yes. Portugal has no restrictions on foreign ownership, which means Canadians can freely buy real estate. You’ll just need a Portuguese tax number (NIF) and a local lawyer to guide the legal process.

Do I need to live in Portugal to buy property there?

No. You can purchase as a non-resident and even manage the property remotely. Many Canadians buy vacation or investment homes before deciding to move full-time.

What is a NIF number and why do I need one?

The NIF (Número de Identificação Fiscal) is your Portuguese tax identification number. It’s required to open a bank account, sign contracts, and complete your property purchase. Your agent or lawyer can help you obtain one quickly.

How much are the closing costs when buying property in Portugal?

Buyers typically pay between 7% and 10% of the purchase price in closing costs. This includes taxes (IMT), stamp duty, notary, and legal fees. Your lawyer will provide an exact estimate before you sign.

Do I need a lawyer to buy property in Portugal?

Yes, it’s highly recommended. Your lawyer verifies the property’s title, ensures no debts or liens, and represents you in all legal matters. This protects you and speeds up the transaction.

Can Canadians get a mortgage in Portugal?

Yes. Several Portuguese banks offer mortgages to foreign buyers, including Canadians. Expect to provide income verification, proof of assets, and a 20–30% down payment.

Are there taxes for foreigners when buying in Portugal?

Yes. The main taxes are the IMT (property transfer tax), stamp duty, and annual municipal property tax (IMI). Your lawyer or accountant can help calculate these before purchase.

How long does it take to buy a home in Portugal?

Typically, the process takes between 4 and 8 weeks once your NIF, bank account, and financing (if needed) are in place. Cash purchases can close even faster.

What are the best areas in Portugal for Canadians to buy?

Popular areas include Lisbon, Cascais, Porto, the Algarve, and the Silver Coast. Each offers different lifestyles — from city convenience to beachside relaxation.

Can I rent out my property when I’m not in Portugal?

Yes. Many Canadians choose short-term or long-term rentals to generate income. Your agent can help you navigate local licensing requirements for rental properties.

What visa options are available if I want to live in Portugal?

Canadians can explore options like the D7 Visa (for passive income or retirement) or the Digital Nomad Visa (for remote workers). These can eventually lead to residency or citizenship.

Who can help me buy property in Portugal?

Work with an experienced agent who understands both Canadian and Portuguese markets. A professional familiar with cross-border purchases can connect you with lawyers, mortgage experts, and local service providers.

Still have questions about buying property in Portugal?

Every client’s situation is unique, and I’m happy to walk you through the details — from securing your NIF number to choosing the right area and understanding legal requirements.

Reach out anytime to connect with a trusted Portugal property expert and get clear, practical advice tailored to Canadians exploring their next chapter abroad.