Frequently Asked Questions

Honest answers to common questions.

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Knowledge base

Common questions.

Do I need to be a Portuguese resident to buy a home?

No. Foreign buyers can purchase property in Portugal regardless of residency. You will need a Portuguese tax number (NIF), which we help you obtain.

What taxes apply when buying property?

Two main taxes: IMT (transfer tax, scaled to property value) and Stamp Duty (0.8% flat). Use our Capital Calculator to estimate both for your specific purchase.

Can I get a mortgage as a non-resident?

Yes. Portuguese banks lend to non-residents, typically up to 70-80% LTV. Rates vary; we can connect you with English-speaking brokers.

What is the NHR tax regime?

Non-Habitual Resident — Portugal's tax program for new residents, offering favorable treatment on foreign income for ten years. The original program closed to new applicants in January 2024, but the successor IFICI regime offers similar benefits to qualifying professionals. See our NHR Guide.

How does the Partilha system work?

Partilha is collaboration: when our listing finds a buyer through another agency, we split the commission 50/50. This means more agents working to sell your home, not fewer.

How long does a property purchase take?

Typical timeline: 30-60 days from offer to closing. Cash buyers are faster; mortgage approvals add 2-4 weeks. Renovations are a separate planning conversation.

Do you only work with international buyers?

No. We serve Portuguese residents, expatriates, and international buyers equally. Our value is the same regardless of where you come from.

What about utilities and ongoing costs?

We brief you on IMI (annual property tax), condominium fees, utilities, and insurance during the buying process. No surprises after the purchase.

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