What fees are involved in buying property in Portugal?

IMT (property transfer tax): 0–7.5% sliding scale, based on price and use; Stamp duty (IS): 0.8% of purchase price; Notary & registration: €500–€1,200 typical; Legal fees: 1–1.5% of price + VAT; Annual IMI (council tax): 0.3–0.45% of tax value per year

How long does it take to buy property in Portugal?

Offer to CPCV: 1–3 weeks; CPCV to escritura: 4–8 weeks; Total typical timeline: 2–4 months

What do I need in order to buy property in Portugal?

NIF (tax number) (required); Portuguese bank account (required); Passport / ID (required); Fiscal representative — Required for non-EU/EEA residents

Buying property in Portugal

Portugal is open to foreign buyers with no restrictions on ownership. A NIF (tax number) and Portuguese bank account are required, and most buyers engage an independent lawyer to handle searches, contracts, and the public deed.

The Golden Visa programme no longer accepts residential real estate as a qualifying investment (changed 2023). Mortgages are available to non-residents, typically up to 60–70% LTV.

General guidance only — confirm specifics with a qualified local lawyer or tax adviser. Reference

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