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415,000 €
£356,000
Total area 118 m²2 bedrooms2 bathrooms
Buy-to-let apartment with a guaranteed yield of 5%, in a new residential complex, Lisbon, Portugal

Golden Visa

1,295,000 €
£1,111,000
3 bedrooms3 bathroomsYield 5.0 %
570,000 €
£489,000
Total area 107 m²Land area: 46 m²1 bedroom
575,000 €
£493,000
Total area 236 m²3 bedrooms3 bathrooms
680,000 €
£583,000
Total area 146 m²2 bedrooms

Discounted apartments and new-builds upon request

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Ksenia Kolesnikova
Ksenia Kolesnikova,
Real Estate Expert
250,000 €
£214,000
Total area 93 m²2 bedrooms2 bathrooms
790,000 €
£678,000
Total area 173 m²2 bedrooms
1,000,000 €
£858,000
2 bedrooms2 bathroomsYield 5.0 %
520,000 €
£446,000
Total area 200 m²Land area: 238 m²3 bedrooms2 bathrooms
3 months ago
560,000 €
£480,000
Total area 193 m²Land area: 233 m²3 bedrooms2 bathrooms
3 months ago
795,000 €
£682,000
Total area 123 m²Land area: 187 m²3 bedrooms2 bathrooms
2 weeks ago
625,000 €
£536,000
Total area 95 m²Land area: 127 m²2 bedrooms2 bathrooms
3 weeks ago
625,000 €
£536,000
Total area 97 m²Land area: 129 m²2 bedrooms2 bathrooms
3 weeks ago
700,000 €
£600,000
Total area 97 m²Land area: 119 m²2 bedrooms2 bathrooms
1 month ago
595,000 €
£510,000
Total area 99 m²Land area: 118 m²2 bedrooms2 bathrooms
1 month ago
515,000 €
£442,000
Total area 122 m²Land area: 189 m²3 bedrooms3 bathrooms
3 months ago
625,000 €
£536,000
Total area 95 m²Land area: 127 m²2 bedrooms2 bathrooms
3 weeks ago
625,000 €
£536,000
Total area 97 m²Land area: 129 m²2 bedrooms2 bathrooms
3 weeks ago
565,000 €
£485,000
Total area 99 m²Land area: 118 m²2 bedrooms2 bathrooms
1 month ago
725,000 €
£622,000
Total area 149 m²3 bedrooms3 bathrooms
1 month ago
625,000 €
£536,000
Total area 95 m²Land area: 127 m²2 bedrooms2 bathrooms
3 weeks ago
720,000 €
£618,000
Total area 97 m²Land area: 119 m²2 bedrooms2 bathrooms
1 month ago
725,000 €
£622,000
Total area 123 m²Land area: 149 m²2 bedrooms2 bathrooms
1 month ago
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      FAQ about Algarve

      Can foreign nationals take out mortgage loans in Algarve?
      Yes, non-residents can be issued a mortgage loan to buy property in Algarve. Special terms of mortgage lending for non-residents — the loan term up to 75 years of age for the eldest borrower and a down payment of 40–50%. The mortgage rate is a floating one, of 3% for residential properties and 5% for the commercial ones.
      How does the purchasing process take place when buying an apartment in Algarve?
      Before the purchase, it is necessary to hire a lawyer who would help you get the paperwork done. Having chosen the property, you need to open a local bank account and receive a tax identification number.
      First, a preliminary sales agreement is signed, a deposit equalling to 10–30% of the property value is placed, and the municipal taxes are paid. The deposit is non-refundable if the buyer decides not to purchase. All agreements ought to be notarised.
      Between signing the preliminary and main sales agreements, the lawyer completes the property Due Diligence and checks the availability of all the documents for the property. When signing the main agreement, the remaining transaction amount is paid, after which the property can be registered with the land registry office and a title deed can be obtained.
      What property taxes are there in Portugal?
      Property buyers pay a stamp duty (Imposto do Selo, IS) — 0,8% and a title deed transfer tax (Imposto Municipal sobre Transmissões, IMT) — 6,0 – 6,5%. After the purchase, an annual real estate tax (Imposto Municipal sobre os Imóveis, IMI) ranging from 0.3 to 0.8% across property types and municipalities, has to be paid. These three taxes — are everything that is paid by property owners.
      When selling real estate, non-resident owners pay the capital gain tax, chargeable from the difference between the purchase price and the sales price at a rate of 28%.
      The inheritance and gift taxes are not levied from spouses, children, parents and grandchildren, the other categories pay them at a rate of 10% (which is considered low).
      How expensive are the utilities in Algarve?
      The utility costs vary across locations. For example, an average bill for an 50–60 m² apartment totals about € 100-130 per month.
      Can Portuguese residency be obtained through buying an apartment?
      Yes, there is a residency by investment or Golden Visa programme in Portugal. Those buying newly or relatively recently built properties for at least € 500,000 and properties built over 30 years ago for at least € 350,000 become eligible for residency.
      How can an apartment buyer obtain Portuguese citizenship?
      It is possible to apply for permanent residency after five years of residence in the country. After six years of residence it is possible to apply for citizenship. But these procedures are not interrelated. Holding a temporary residence or permanent residence permit does not lead to obtaining citizenship. Only following the rules of stay in the country (over 183 days per year for six years) can give hope for obtaining Portuguese citizenship.
      Can foreign nationals lease apartments in Portugal?
      Yes, of course. The owner's right to administer their property is not limited in any way.
      What types of Portuguese property are better to invest in for rental purposes?
      The most suitable for rental purposes are the flats and apartments located in the resort areas, such as the Algarve, Faro, Lagos, on the entire southern coast and the capital of the country, Lisbon.
      Why do I need to own an apartment in Portugal?
      The Portuguese property market is one of the European real estate markets that have been growing most actively over the past few years. Therefore, real estate investments are very profitable in the country.

      Recommended by the Editorial Team

      Algarve is a wealthy region in Portugal

      Algarve is a southern region of Portugal, situated on an Atlantic shore. It is also one of the wealthiest areas in the country, making the most money from tourism. In 2019 Algarve won the World Travel Award as Europe's leading beach destination.

      Algarve's economy began to grow in 2015 after vast investments in infrastructure development. The renovation of the highway that connects Algarve to Lisbon and Porto, Portugal's biggest cities, played a crucial role in the economic recovery of the region, as Knight Frank reports. Repair of roads in Algarve itself and the expansion of the international airport in Faro also benefited Algarve's economy.

      Algarve attracts golfers from all over Europe

      After the renovation, foreign investors started to consider buying apartments in Algarve because of the long holiday season that lasts almost a whole year. Tourists rent apartments in Algarve for a couple of days to play golf because the region is famous for its golf courses. Hence apartments for sale and rent in Algarve are usually in high demand. Those who want to make profit from their foreign houses, buy apartments in Algarve and rent them out during the months they do not live there themselves.

      Prices for apartments in Algarve start from €90,000

      One can find plenty of options for flats and apartments for sale in Algarve. Prices depend on location and size of the property. However, even inexpensive flats in Algarve offer a high level of comfort. Often there is a swimming pool on the territory of residential complexes in Algarve. Besides, it is a coastal region so one can easily access the beach from every apartment in Algarve – either by foot or by car. Additionally, flats in Algarve often include a terrace or a balcony. One-bedroom apartments for sale in Algarve start at €90,000; two-bedroom apartments cost at least €125,000.

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      Anastasia Istomina
      Anastasia Istomina
      Real Estate Expert Tranio in Algarve
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