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.

Mortgages are available to non-residents, typically up to 60–70% LTV.

The Golden Visa programme no longer accepts residential real estate as a qualifying investment (changed 2023).

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

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