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Buy Property in Portugal

Effortlessly buy property in Portugal with personalized legal guidance at every step.

Buy Property in Portugal

Effortlessly buy property in Portugal with personalized legal guidance at every step.

Why Purchase Property in Portugal?

Portugal isn’t just a place—it’s a lifestyle. With its stunning coastlines, vibrant cities, and a booming real estate market, it’s the perfect destination for homebuyers and investors alike. Whether you’re after a holiday retreat, a permanent residence, or a profitable investment property, Portugal welcomes you. Now’s the time to make your move.

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Embrace Borderless Opportunities with Lexidy

Embrace Borderless Opportunities with Lexidy

Buying Property in Portugal: The Process

Understanding the financial implications is crucial. In Portugal, the buyer typically pays most taxes and fees, which can include:

  • Property transfer tax (1% to 8%, depending on the purchase price)
  • Stamp duty of 0.8%
  • Notary costs, title deed tax, and land registration fee (1% to 2.5%)

A Portuguese Tax ID (NIF) is mandatory, and a local bank account makes it easier to manage the purchase. Our team can handle this for you seamlessly.

Leverage our lawyers’ local knowledge to find the perfect property, while we protect your interests throughout the search and purchase process.

If you are considering financing your purchase through a mortgage, note that individuals 30 years old or younger can negotiate terms up to 40 years (depending on the bank).

Secure the property with a reservation agreement that prevents the seller from listing it elsewhere. Our lawyers will draft a Letter of Intent that safeguards your interests, accommodating any changes in circumstances for you or the seller.

Our real estate lawyers conduct thorough due diligence to uncover any hidden debts, assess the asset’s quality, and explore potential tax reliefs. This step is also crucial for negotiating price and other key terms.

Commit to the purchase with a down payment, serving as a guarantee for both parties involved.

Finalize the transaction by meeting at the Public Notary’s Office to sign the purchase deed, formally transferring ownership.

Once the property is yours, register it with the tax authorities, settle all necessary taxes, arrange utility services, and obtain proper insurance coverage.

Buying Property in Portugal as a Foreigner

Buying Property in Portugal as a Foreigner

Navigate the steps involved in buying property in Portugal with our concise video guide. Learn about each phase, from tax planning and securing an NIF to finalizing your purchase, ensuring you’re well-prepared for your property journey.

How Can A Lawyer Help Me Buy Property in Portugal?

Buying property in a foreign country can feel overwhelming—but it doesn’t have to. With the right legal partner, the process becomes straightforward and empowering.

We’re here to cut through the noise and give you the clarity you need to make confident decisions. Here’s how we do it:

Reviewing and Explaining Legal Documents

Legal jargon? We translate it into plain language. Our lawyers break down contracts, title deeds, and every document you’ll sign, so you’re never left guessing. You’ll know exactly what you’re committing to.

Negotiating on Your Behalf

Tired of playing hardball? Let us do the heavy lifting. Our legal team negotiates fiercely on your behalf, ensuring you get the best deal while keeping your interests at the forefront.

Checking for Encumbrances

We leave no stone unturned. Our thorough checks make sure the property is free from hidden debts, legal issues, or nasty surprises. You can move forward with peace of mind.

Assisting with the Transfer of Ownership

Paperwork slowing you down? We streamline the entire ownership transfer process, handling every legal detail and cutting through red tape so you can focus on celebrating your new home.

Advising on Tax Implications

Taxes don’t have to be a headache. Our team will walk you through all tax obligations—from stamp duty to capital gains—so you can maximize benefits and avoid any surprises down the road.

Ready to make your move in Portugal? We’ll handle the legal work so you can focus on finding your dream property, worry-free.

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How it Works

1

Assess Your Eligibility

Start by determining your eligibility with a focused consultation. Your dedicated Legal Advisor will understand your situation and explore possible legal paths.

2

Service Presentation and Proposal

Receive a detailed presentation of our services tailored to your needs, complete with a fixed-price proposal to ensure no surprises.

3

Begin Your Journey

Your dedicated lawyer will guide you through every step, handling all legalities as you confidently move forward.

How it Works

1

Assess Your Eligibility

Start by determining your eligibility with a focused consultation. Your dedicated Legal Advisor will understand your situation and explore possible legal paths.

2

Service Presentation and Proposal

Receive a detailed presentation of our services tailored to your needs, complete with a fixed-price proposal to ensure no surprises.

3

Begin Your Journey

Your dedicated lawyer will guide you through every step, handling all legalities as you confidently move forward.

How it Works

1

Assess Your Eligibility

Start by determining your eligibility with a focused consultation. Your dedicated Legal Advisor will understand your situation and explore possible legal paths.

2

Service Presentation and Proposal

Receive a detailed presentation of our services tailored to your needs, complete with a fixed-price proposal to ensure no surprises.

3

Begin Your Journey

Your dedicated lawyer will guide you through every step, handling all legalities as you confidently move forward.

How it Works

1

Assess Your Eligibility

Start by determining your eligibility with a focused consultation. Your dedicated Legal Advisor will understand your situation and explore possible legal paths.

2

Service Presentation and Proposal

Receive a detailed presentation of our services tailored to your needs, complete with a fixed-price proposal to ensure no surprises.

3

Begin Your Journey

Your dedicated lawyer will guide you through every step, handling all legalities as you confidently move forward.

Kickstart Your Portugal Property Purchase

Your property journey in Portugal starts now. Let our expert team guide you through every step with confidence, clarity, and care.

Clients Frequently Choose

Tax Consultation

Dodge tax surprises with our thorough tax consultation services. Receive expert advice and strategic planning to ensure a seamless tax season and financial peace of mind.

Discover our Long-Term Program

Join Lexidy’s Long-Term Program now and enter a world of enhanced, efficient, and personalized legal services. Unlock a range of premium benefits:

Guiding You Each Step of The Way

Guiding You Each Step of The Way

Cut through the complexities of purchasing property in Portugal. With local offices in key locations, receive clear, straightforward legal guidance exactly where you need it.

Frequently Asked Questions

To purchase property in Portugal, you will need a Portuguese Tax Identification Number (NIF), which is mandatory for all property transactions. Additionally, due diligence is required, including checks for encumbrances and legal ownership verification. A promissory contract (Contrato de Promessa de Compra e Venda) is usually signed, which legally binds both parties to the transaction.

Financing options for property purchases in Portugal include obtaining a mortgage from local Portuguese banks or international lenders. Typically, non-residents can borrow up to 70% of the property’s value, and the process involves presenting proof of income and undergoing a credit check. Interest rates and terms can vary, so it’s advisable to shop around or use a mortgage broker.

Beyond the purchase price, buyers should budget for several additional costs:

  • IMT (Property Transfer Tax): Ranges from 0% to 8% of the property price, depending on the property type and value.
  • Stamp Duty: Generally 0.8% of the property value.
  • Notary and Registration Fees: Usually 1% to 2% of the property value.
  • Legal Fees: Typically 1% to 2% of the purchase price, depending on the complexity of the transaction.
  • Real Estate Agent Fees: Generally paid by the seller, but it’s important to confirm this as practices can vary.

The property buying process in Portugal can take between 1 to 3 months from the initial agreement to completion, depending on various factors such as mortgage approval and legal checks. The signing of the deed (Escritura) and final registration can add additional time.

While the Golden Visa program through property investment has been phased out, other forms of investment might still qualify for a residency permit under different conditions. Additionally, other visas, such as the D7 (income-based) visa, are available for individuals who can demonstrate a regular income or significant financial means.

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