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Flats

Buying a flat in Portugal as a foreigner is generally straightforward, with no restrictions on property ownership, but requires local knowledge and assistance.

Villas

Portugal offers a wide variety of villas for sale, from luxury properties to more modest options.

Land

Buying land in Portugal is straightforward for both EU and non-EU citizens, with no restrictions, but there are various aspects needs to be considered.

Commercial Properties

There are numerous types of commercial properties available for sale in Portugal.

Buying Property in Portugal as a Foreigner – A Step-by-Step Guide

Purchasing property in Portugal involves a structured process. To help you navigate it confidently, here’s a clear breakdown of each stage:

1

Prepare Your Finances

Before beginning your property search:
✔ Set a budget – Account for purchase costs, taxes, and fees.
✔ Secure financing – Obtain a mortgage pre-approval if needed.
✔ Define priorities – Clarify your must-haves (location, property type, etc.).
2

Find a Property & Arrange Viewings

✔ Search platforms – Use online portals (e.g., Idealista) or local real estate agents.
✔ Act quickly – Prime properties sell fast; schedule viewings promptly.
✔ Research the area – Check amenities, transport links, and future development plans.
3

Verify Key Property Documents

A 2024 legal change simplified listing properties, but buyers should still insist on:
✔ Licença de Utilização (Habitation License) – Confirms the property’s legal use.
✔ Ficha Técnica da Habitação (FTH) – Technical sheet detailing the building’s condition
4

Commission a Property Survey

✔ Hire a surveyor – Unlike in some countries, surveys in Portugal are typically done before making an offer.
✔ Negotiate if issues arise – Use findings to adjust your offer or request repairs.
5

Make an Offer

✔ Submit competitively – Do so via email for written proof.
✔ Expect negotiation – Sellers often counteroffer; stay flexible on terms or price.
6

Sign the Reservation Contract (CPCV)

✔ Contrato-Promessa de Compra e Venda (CPCV) – Binds both parties legally.
✔ Pay a deposit (typically 10%) – Non-refundable if you withdraw; seller pays double if they default.
✔ Finalize mortgage details – Contact your lender to lock in terms.
7

Complete the Purchase at the Notary

✔ Attend the signing – The deed (escritura) is signed before a notary.
✔ Bring a translator – Required if you’re not fluent in Portuguese.
✔ Register the property – The notary handles the official transfer to your name.
8

Transfer the Remaining Balance

✔ Pay the outstanding amount – Includes the remaining 90% (minus deposit) plus taxes/fees.
✔ Receive the keys – Congratulations, the property is now yours!

Final Tips for a Smooth Purchase

  • Work with professionals – A buyer’s agent, lawyer, or tax advisor can streamline the process.
  • Account for additional costs – Budget for stamp duty (0.8%), IMT (property transfer tax), and notary fees (1–2%).
  • Consider currency exchange – Use a specialist service like Wise or CurrencyFair for large transfers.

For personalized assistance, consult our Real Estate Desk to guide you through each step:

Arrange a Call

Also, you can find more details about:

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Required Documents

In order to buy a property in Portugal you will need the below documents that might be varied based on the nationality or property type:

As an EU citizen buying property in Portugal, you’ll need:

  • A Portuguese tax number (NIF)
  • A valid passport or ID
  • Proof of address
  • A Portuguese bank account.

To buy property in Portugal as a non-EU citizen, you’ll need:

  • A Portuguese tax identification number (NIF)
  • A valid passport
  • Proof of address
  • A Portuguese bank account
  • Energy certificate
  • and other property-related documents.

Cost Estimation Table

Cost Item Rate / Amount Description
IMT – Property Transfer Tax 0% to 7.5% (sliding scale) Depends on property type, value, and usage (main residence vs. second home).
Stamp Duty (Imposto de Selo) 0.8% of property value Mandatory for all property transactions.
Notary & Registration Fees €1,000 – €2,000+ Includes deed signing, land registration, and other administrative costs.
Lawyer/Legal Fees €1,500 – €3,500+ Optional but highly recommended for due diligence and document review.
Surveyor/Technical Inspection €300 – €800 Optional but advised, especially for older properties.
Mortgage Deed Costs (if applicable) €1,000 – €2,000 Includes stamp duty on the loan and additional notarial work.
Mortgage Registration Fees ~0.6% of mortgage amount Applicable if financing the purchase.
Bank Fees / Opening Portuguese Account €0 – €300 Often required if applying for a mortgage or transferring funds.
Currency Exchange Margin ~0.5% – 2% Depending on provider. Use specialists like Wise or CurrencyFair to save.
Real Estate Agent Commission Paid by seller (5%–6%) Normally not a cost for buyers in Portugal.
IMI (Annual Municipal Property Tax) 0.3% – 0.8% of property value Ongoing annual tax; not part of the purchase but important for planning.

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