Can foreign nationals take out mortgage loans in Central Portugal?

Yes, non-residents can be issued a mortgage loan to buy property in Central Portugal. 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 a house in Central Portugal?

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 Central Portugal?

The utility costs vary across locations. For example, an average bill for an 50–60 m² house totals about € 100-130 per month.

Can Portuguese residency be obtained through buying a house?

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 a house 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 houses 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 houses 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 a house 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.

Houses for sale in Central Portugal - Buy villas in Central Portugal, homes, cottages, bungalows and mansions

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Villa – Foz do Arelho, Leiria, Portugal for 699,000 €

Villa – Foz do Arelho, Leiria, Portugal

699,000 €

£630,000

Total area 310 m²Land area: 1,100 m²5 bedrooms4 bathrooms

Villa – Leiria, Portugal

607,000 €

£547,000

Total area 145 m²Land area: 594 m²3 bedrooms3 bathrooms

Golden Visa

Buy-to-let apartment with a guaranteed yield of 5%, in a new residential complex, Lisbon, Portugal

770,000 €

Total area: 81 1 bedroom 1 bathroom Yield 5.0%

Villa – Leiria, Portugal

572,000 €

£516,000

Total area 140 m²Land area: 483 m²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

607,000 €

£547,000

Total area 145 m²Land area: 617 m²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

607,000 €

£547,000

Total area 150 m²Land area: 659 m²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

760,000 €

£685,000

Total area 546 m²Land area: 26,900 m²7 bedrooms7 bathrooms

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Head of Residential Real Estate

Comfortable mansion with a pool and a huge plot, Vila Nova de Paiva, Viseu, Portugal for 6,000,000 €

Comfortable mansion with a pool and a huge plot, Vila Nova de Paiva, Viseu, Portugal

6,000,000 €

£5,411,000

Total area 2,500 m²Land area: 50,000 m²

Villa – Aveiro, Portugal for 1,150,000 €

Villa – Aveiro, Portugal

1,150,000 €

£1,037,000

Total area 960 m²Land area: 960 m²3 bathrooms

Villa – Leiria, Portugal

549,000 €

£495,000

Total area 1,560 m²Land area: 1,560 m²3 bathrooms

Villa – Aveiro, Portugal

430,000 €

£388,000

Total area 226 m²Land area: 226 m²3 bathrooms

Villa – Viseu, Portugal

430,000 €

£388,000

Total area 2,210 m²Land area: 2,210 m²4 bathrooms

Villa – Guarda Municipality, Portugal for 190,000 €

Villa – Guarda Municipality, Portugal

190,000 €

£171,000

Total area 2,088 m²Land area: 2,088 m²3 bathrooms

Villa – Aveiro, Portugal for 1,300,000 €

Villa – Aveiro, Portugal

1,300,000 €

£1,172,000

Total area 920 m²Land area: 920 m²4 bathrooms

Modern new villa with pools in Loulé, Faro, Portugal for 2,600,000 €

Modern new villa with pools in Loulé, Faro, Portugal

2,600,000 €

£2,345,000

Land area: 900 m²5 bedrooms5 bathrooms

Similar properties in Central Portugal and surrounding areas

Three-storey villa with spectacular ocean views on the island of Madeira, Portugal

382,000 €

Total area 257 m²Land area: 1,100 m²3 bedrooms4 bathrooms

Modern four-bedroom house close to the centre of Funchal, Madeira, Portugal

617,000 €

Total area 553 m²4 bedrooms3 bathrooms

Luxurious classic-style villa with a pool, Almancil, Faro, Portugal

3,550,000 €

Total area 695 m²Land area: 2,200 m²5 bedrooms5 bathrooms

Elite villa with a pool with a 5% yield, Algarve, Portugal

4,500,000 €

Total area 486 m²4 bedrooms4 bathrooms

Modern residence with sea views in Cascais, Lisbon, Portugal

1,300,000 €

Total area 360 m²Land area: 3,300 m²3 bedrooms4 bathrooms

Villa with pool and 3 bedrooms in Funchal, Madeira, Portugal

950,000 €

Total area 1,200 m²3 bedrooms

Rustic stone house with a pool, Alcabideche, Lisbon, Portugal

975,000 €

Total area 280 m²Land area: 420 m²4 bedrooms5 bathrooms

Three-storey villa with a pool in Cascais, Lisbon, Portugal

1,490,000 €

Total area 450 m²Land area: 914 m²4 bedrooms4 bathrooms

Three-level villa with a garden and a pool in Almancil, Faro, Portugal

1,995,000 €

Total area 550 m²Land area: 1,000 m²4 bedrooms6 bathrooms

Exquisite villa with a pool and a garage in Almancil, Faro, Portugal

3,850,000 €

Total area 492 m²Land area: 2,160 m²4 bedrooms5 bathrooms

Two-storey villa with sea views in Cascais, Lisbon, Portugal

1,235,000 €

Total area 300 m²Land area: 350 m²5 bedrooms5 bathrooms

Agricultural – Setubal (city), Setubal, Portugal

2,500,000 €

Total area 702 m²Land area: 10,144 m²8 bedrooms6 bathrooms

Two-storey villa overlooking the golf course in Almancil, Faro, Portugal

4,500,000 €

Total area 460 m²Land area: 2,400 m²4 bedrooms5 bathrooms

Villa – Faro (city), Faro, Portugal

2,600,000 €

Total area 372 m²Land area: 1,490 m²4 bedrooms6 bathrooms

Four-bedroom villa with ocean views in Funchal, Madeira, Portugal

506,000 €

Total area 640 m²4 bedrooms4 bathrooms

ECO-technologies and modern architecture in the Azores

390,000 €

Total area 198 m²Land area: 900 m²1 bedroom1 bathroom

Villa – Cascais, Lisbon, Portugal

1,350,000 €

Total area 254 m²Land area: 345 m²3 bedrooms5 bathrooms

Villa – Lisbon (city), Lisbon, Portugal

3,150,000 €

Total area 419 m²Land area: 1,311 m²6 bedrooms5 bathrooms

Сomplex of two villas built in contemporary minimalist style

490,000 €

Total area 245 m²Land area: 1,680 m²2 bedrooms3 bathrooms

Villa – Estoril, Lisbon, Portugal

1,500,000 €

Total area 420 m²Land area: 2,000 m²4 bedrooms4 bathrooms

Villa – Cascais, Lisbon, Portugal

1,700,000 €

Total area 258 m²Land area: 272 m²4 bedrooms4 bathrooms

Villa – Cascais, Lisbon, Portugal

1,800,000 €

Total area 258 m²Land area: 332 m²4 bedrooms4 bathrooms

Villa – Cascais, Lisbon, Portugal

1,700,000 €

Total area 258 m²Land area: 272 m²4 bedrooms4 bathrooms

Villa – Cascais, Lisbon, Portugal

1,700,000 €

Total area 258 m²Land area: 272 m²4 bedrooms4 bathrooms

Exquisite 7-bedroom villa in Lisbon, Portugal

5,800,000 €

Total area 800 m²Land area: 1,000 m²7 bedrooms8 bathrooms

1-25 of 465 listings, page 1 of 19

Houses for sale in Central Portugal

Discounted homes upon request

Similar properties in Central Portugal and surrounding areas

FAQ about Central Portugal

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