Investment Opportunity

Portugal Property Purchase Service

Buy property in Portugal with confidence. We connect you with vetted real estate agents, coordinate virtual and in-person viewings, and guide you through the entire purchase process.

Vetted Realtors
English-Speaking Agents
Legal Review Included

Why Buy Property in Portugal?

Strong ROI Potential

Lisbon and Porto property values increased 40-60% over the past 5 years. Rental yields of 4-7% in prime locations.

Lower Prices Than US

€200k-400k gets you a 2BR apartment in Lisbon city center. €150k-250k in Porto. Far below comparable US cities.

Build Equity vs. Renting

If you're staying in Portugal 3+ years, buying often makes more financial sense than renting. Mortgage payments build equity.

Residence Permit Support

Property ownership strengthens residence permit renewals and citizenship applications. Shows commitment to Portugal.

Rental Income Opportunity

Short-term (Airbnb) or long-term rentals. Lisbon tourism creates high demand. Can offset mortgage or generate profit.

EU Property Rights

As D8 visa holder, you have same property ownership rights as Portuguese citizens. No restrictions on foreigners buying.

How Our Property Purchase Service Works

Step 1: Free Consultation & Matching

We start with a 30-minute call to understand your needs, budget, and preferences.

  • Discuss budget, location preferences (Lisbon, Porto, Algarve, etc.)
  • Primary residence vs. investment property vs. both
  • Match you with 2-3 vetted English-speaking realtors in your target area
  • Explain Portugal property buying process and timeline

Step 2: Property Search & Virtual Viewings

Realtors send curated listings matching your criteria. View properties remotely or in-person.

  • Access to off-market and pre-launch properties
  • Virtual tours via video call (if you're not in Portugal yet)
  • In-person viewing tours (when you visit Portugal)
  • Neighborhood analysis: safety, amenities, WiFi speeds, expat community

Step 3: Offer, Legal Review & Due Diligence

We coordinate with lawyers from our network to review contracts and conduct due diligence.

  • Help you make competitive offers based on market data
  • Connect with Portuguese property lawyer for legal review
  • Title search to ensure clean ownership (no liens, debts, legal issues)
  • Property survey and inspection coordination
  • Review condo fees (condomínio), property taxes (IMI), utility costs

Step 4: Financing & Mortgage Coordination (Optional)

If you need a mortgage, we connect you with banks that work with foreigners and D8 visa holders.

  • Portuguese banks offering mortgages to non-residents (up to 80% LTV)
  • Pre-approval process guidance
  • Comparison of mortgage rates and terms
  • Mortgage broker coordination (if needed)

Step 5: Closing & Handover

Final signing, payment, and property transfer. We coordinate everything.

  • Signing promissory contract (CPCV) - 10-30% deposit
  • Final deed signing (Escritura) at notary - transfer remaining funds
  • Property registration with Land Registry (Conservatória do Registo Predial)
  • Transfer utilities to your name
  • Keys handover and property walkthrough

Service Pricing

How You Pay

Free Services

  • Initial consultation (30 minutes)
  • Realtor matching and introduction
  • Property search coordination

No Upfront Fees

You don't pay us directly. When you successfully purchase a property through our network, we receive a referral fee from the realtor (typically 0.5-1% of purchase price). This comes out of the realtor's standard commission - it does NOT increase the property price.

Example Breakdown

Property price€350,000
Realtor commission (typically 3-5%)€14,000
• Paid by seller in Portugal
Our referral fee (from realtor's commission)€3,500
Realtor keeps€10,500
You pay for property€350,000

In Portugal, realtors are almost always paid by the seller (not buyer), so you pay the same €350k whether you use our service or not.

Additional Services (Optional)

Property lawyer coordination€1,500-€3,000
Mortgage broker (if needed)€500-€1,500
Property management setup (for rentals)€300-€800

These are third-party services we coordinate. Fees are paid directly to providers, not us.

Our Promise

We only succeed when you succeed. Our referral fee model aligns our interests with yours - we want you to find the perfect property at the best price. We have no incentive to push expensive properties or rush your decision.

Popular Locations for Digital Nomads

Lisbon

Capital & Tech Hub
Typical Prices
€3,500-5,500/m²
€250k-500k for 2BR
  • Largest expat community
  • Best coworking spaces
  • High rental demand (tourism)
  • International airport

Porto

Second City & Cultural Center
Typical Prices
€2,500-4,000/m²
€180k-350k for 2BR
  • 30% cheaper than Lisbon
  • Beautiful architecture
  • Growing tech scene
  • Strong appreciation potential

Algarve

Beach & Resort Region
Typical Prices
€2,000-3,500/m²
€150k-300k for 2BR
  • Beach lifestyle
  • Highest Airbnb rental yields
  • Year-round mild weather
  • Lower cost of living

Total Costs of Buying Property in Portugal

Budget Beyond Purchase Price

Property Transfer Tax (IMT)
Progressive tax on purchase
0-8%
€0 if under €92k
Stamp Duty (Imposto do Selo)
On property value
0.8%
€2,800 on €350k
Notary & Registration Fees
Official documentation
€800-1,500
Property Lawyer
Legal review & due diligence
€1,500-3,000
Bank Fees (if mortgage)
Appraisal, processing, etc.
€1,000-2,000
Property Survey/Inspection
Optional but recommended
€300-600
Total Additional Costs
€6k-15k
On a €350k property, budget €25k-35k total closing costs

Ongoing Annual Costs

  • • Property Tax (IMI): 0.3-0.8% of property value/year
  • • Condo fees (if apartment): €50-300/month
  • • Utilities: €80-150/month
  • • Property insurance: €200-500/year

Frequently Asked Questions

Can I buy property on a D8 visa?

Yes! As a D8 visa holder, you have the same property ownership rights as Portuguese citizens. No restrictions apply to foreigners buying property in Portugal.

Can I get a mortgage as a non-resident?

Yes. Portuguese banks offer mortgages to non-residents and D8 visa holders. You can typically get 70-80% loan-to-value. Requirements: proof of income, down payment (20-30%), NIF (tax number), and Portuguese bank account. We connect you with banks experienced in lending to foreigners.

Should I rent or buy in Portugal?

Rule of thumb: If you're staying 3+ years, buying often makes more sense financially. If under 2 years or unsure, rent first. Buying builds equity and property values have appreciated 40-60% in Lisbon/Porto over past 5 years. We can help you run the numbers for your specific situation.

Can I rent out my property on Airbnb?

Yes, but regulations vary by city. Lisbon and Porto have licensing requirements for short-term rentals (Alojamento Local license). Some buildings prohibit Airbnb in condo rules. We help you understand local regulations and connect with property managers if you want rental income.

How long does the buying process take?

Typically 2-4 months from offer to closing. Timeline: Property search (2-8 weeks) → Offer accepted → Promissory contract signed with 10-30% deposit (1-2 weeks) → Due diligence and mortgage approval (4-8 weeks) → Final deed signing (Escritura). Cash purchases are faster (1-2 months).

Do I need to speak Portuguese to buy property?

No. All realtors in our network speak fluent English. Legal documents are in Portuguese, but your lawyer will translate and explain everything. Notaries (where final deed is signed) often speak English or provide translators.

What happens to my property if I leave Portugal?

You keep ownership forever - no restrictions. You can sell it, rent it long-term, or use it as a vacation home. Many digital nomads buy property even if they're not sure they'll stay permanently, as it's a good investment and gives flexibility. If you sell, capital gains tax is 28% (or progressive rates if tax resident).

Ready to Invest in Portugal Real Estate?

Get matched with vetted realtors and start your property search today

Free consultation • No upfront fees • Expert guidance