Frequently asked questions

Yes. There are no nationality restrictions and you don't need to be a resident. Foreign buyers get full freehold ownership, registered exactly like a local buyer. Read more.

Yes — you need a NIF before you sign anything or open a bank account, and it can be obtained remotely. Get yours on Visas.pt.

Not legally, but it's highly recommended for paying taxes and utilities without friction. Read more.

IMT transfer tax, 0.8% stamp duty, and notary/registry fees — usually 6–8% of the price all in. Try the IMT calculator or the cost estimator.

Annual IMI property tax (≈0.3–0.45% urban), plus AIMI for higher-value owners and tax on any rental income. Taxes & residency.

Yes, typically up to 60–70% loan-to-value with a larger deposit and more paperwork than residents. Read more or use the mortgage calculator.

Around 10% at the promissory contract stage, but non-residents financing a purchase usually need about 30% total equity. Read more.

The legally binding promissory purchase contract. It locks in the price, deposit and completion date — and it's where your real risk sits. Read more.

Usually 4–10 weeks from accepted offer to final deed, depending mainly on legal checks and financing. Read more.

Not legally required, but strongly recommended — an independent lawyer protects your interests, deposit and title. See pricing.

No — buying does not grant residency, and the Golden Visa no longer covers residential property. Residency is available through separate visa routes. Read more.

Sometimes — short-term lets need an AL registration, and many areas restrict or suspend new licences. Always check the exact address and building first. Read more.

Yes. Through power of attorney we can handle the transaction, and help you open a NIF and bank account remotely, so you can buy without being in Portugal.

For purchases above €200,000 it's free to you — paid through commission sharing, with no extra cost to the seller. Learn more.