Buying Property in Portugal: A Complete Guide
Foreigners can buy property in Portugal with no nationality restrictions, including non-residents. The process runs through a notary, requires a Portuguese tax number (NIF), and typically involves a promissory contract followed by a final deed. Transaction costs beyond the price commonly include transfer tax, stamp duty, notary, and legal fees — the exact figures depend on the property and must be confirmed with a Portuguese lawyer.
This guide is being built out. The structure and headline answers are in place; detailed sections are still being researched and professionally reviewed.
Foreigners can buy property in Portugal with no nationality restrictions, including non-residents. The process runs through a notary, requires a Portuguese tax number (NIF), and typically involves a promissory contract followed by a final deed. Transaction costs beyond the price commonly include transfer tax, stamp duty, notary, and legal fees — the exact figures depend on the property and must be confirmed with a Portuguese lawyer.
Who can buy property in Portugal
Eligibility for residents and non-residents and any practical requirements.
Step-by-step buying process
From offer through promissory contract to the final deed.
Getting a NIF and a bank account
How to obtain a Portuguese tax number and set up banking.
Transaction costs and taxes
Transfer tax, stamp duty, notary and legal fees to budget for.
Lawyer and due diligence
Why to engage an independent lawyer and what checks to run.
Financing for foreign buyers
Mortgage availability and typical requirements for non-residents.
Ongoing ownership costs
Annual property tax and running costs of ownership.
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