Can foreign nationals take out mortgage loans in Lisbon?

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

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 Lisbon?

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.

Apartments for sale in Lisbon, Portugal

Order by:

price low to highlow to highprice high to lowhigh to lownewest firstnew

Apartments with a guaranteed yield, in the historic part of the city, Lisbon, Portugal for From 350,000 €

Apartments with a guaranteed yield, in the historic part of the city, Lisbon, Portugal

From 350,000 €

From £301,000

Completion in: 2024Total of 20 apartments

Residential complex

Apartments with terraces and a swimming pool in a new residential complex, Cascais, Portugal

From 725,000 €

From £624,000

Completion in: 2022.IIITotal of 12 apartments

Residential complex

2 weeks ago

Residence by investment in 2022

Golden Visa for buying a share in a hotel in Lisbon, Portugal

350,000 € · Equity buy back in 6 years

Portugal’s state programme;
Eligible for citizenship in 5 years;
High return investment.

Modern apartments with sea view, Lisbon, Portugal for From 450,000 €

Modern apartments with sea view, Lisbon, Portugal

From 450,000 €

From £387,000

Built in 2021Total of 9 apartments

Residential complex

Apartments in a modern residential complex with swimming pools, Cascais, Portugal

From 1,200,000 €

From £1,033,000

Total of 15 apartments

Residential complex

2 weeks ago

Modern apartments with terraces, a swimming pool and river view, Belem, Lisbon, Portugal for From 1,100,000 €

Modern apartments with terraces, a swimming pool and river view, Belem, Lisbon, Portugal

From 1,100,000 €

From £947,000

Built in 2021Total of 57 apartments

Residential complex

Apartments with sea and river views in a new residential complex, Oeiras, Portugal

From 481,000 €

From £414,000

Completion in: 2022.ITotal of 9 apartments

Residential complex

Discounted apartments and new-builds upon request

Send us an enquiry, we will find advantageous offers for you

Send a discount enquiry

Ksenia Kolesnikova,

Client manager

Fully equipped new apartments in Lisbon, Portugal for From 500,000 €

Fully equipped new apartments in Lisbon, Portugal

From 500,000 €

From £430,000

Total of 17 apartments

Residential complex

2 weeks ago

Apartments in an elite complex, Lisbon, Portugal for From 616,000 €

Apartments in an elite complex, Lisbon, Portugal

From 616,000 €

From £530,000

Built in 2021Total of 36 apartments

Residential complex

Apartments with panoramic views, in the historic city center, Lisbon, Portugal for From 540,000 €

Apartments with panoramic views, in the historic city center, Lisbon, Portugal

From 540,000 €

From £465,000

Total of 19 apartments

Residential complex

One-bedroom apartment overlooking the Tagus River in a new complex, Belem, Lisbon, Portugal for 500,000 €

One-bedroom apartment overlooking the Tagus River in a new complex, Belem, Lisbon, Portugal

500,000 €

£430,000

Total area 70 m²1 bedroom1 bathroom

Buy-to-let apartments with a guaranteed yield of 5% in a modern residential complex, Belem, Lisbon, Portugal for From 770,000 €

Buy-to-let apartments with a guaranteed yield of 5% in a modern residential complex, Belem, Lisbon, Portugal

From 770,000 €

From £663,000

Built in 2021Total of 97 apartments

Residential complex

Apartments for a residence permit in an apart-hotel, with a yield of 3–5%, Lisbon, Portugal for From 850,000 €

Apartments for a residence permit in an apart-hotel, with a yield of 3–5%, Lisbon, Portugal

From 850,000 €

From £732,000

Completion in: 2022.IIITotal of 9 apartments

Residential complex

Luxury property

One-bedroom apartment with a river-view in a new residential complex with a panoramic roof-top swimming pool, Lisbon, Portugal

785,000 €

£676,000

Total area 132 m²1 bedroom2 bathrooms

3 weeks ago

Four-room new apartment overlooking the Tagus River, Belem, Lisbon, Portugal for 1,020,000 €

Four-room new apartment overlooking the Tagus River, Belem, Lisbon, Portugal

1,020,000 €

£878,000

Total area 174 m²3 bedrooms3 bathrooms

New buy-to-let apartments with a guaranteed yield of 5%, Lisbon, Portugal for 770,000 €

New buy-to-let apartments with a guaranteed yield of 5%, Lisbon, Portugal

770,000 €

£663,000

Total area 81 m²1 bedroom1 bathroomYield 5.0%

Modern apartments in a prestigious area, Lisbon, Portugal. Price on request

Modern apartments in a prestigious area, Lisbon, Portugal

Price on request

Completion in: 2022.ITotal of 15 apartments

Residential complex

Three-bedroom buy-to-let apartment with a guaranteed yield of 5%, in a newly-built residential complex, Lisbon, Portugal

2,500,000 €

£2,152,000

Total area 260 m²3 bedrooms3 bathrooms

One-bedroom buy-to-let apartment with a guaranteed yield of 5%, in a newly-built residential complex, Lisbon, Portugal for 820,000 €

One-bedroom buy-to-let apartment with a guaranteed yield of 5%, in a newly-built residential complex, Lisbon, Portugal

820,000 €

£706,000

Total area 87 m²1 bedroom2 bathrooms

Elite apartment in a gated complex with a golf course, Cascais, Portugal for 2,000,000 €

With swimming pool

Elite apartment in a gated complex with a golf course, Cascais, Portugal

2,000,000 €

£1,721,000

Total area 210 m²4 bedrooms

New one-bedroom apartment overlooking the Tagus River in Belém, Lisbon, Portugal for 500,000 €

New one-bedroom apartment overlooking the Tagus River in Belém, Lisbon, Portugal

500,000 €

£430,000

Total area 62 m²1 bedroom1 bathroom

Apartment – Cascais, Lisbon, Portugal for 1,950,000 €

With swimming pool

Apartment – Cascais, Lisbon, Portugal

1,950,000 €

£1,678,000

Total area 209 m²Land area: 229 m²4 bedrooms4 bathrooms

Apartment – Lisbon, Portugal for 1,850,000 €

Apartment – Lisbon, Portugal

1,850,000 €

£1,592,000

Total area 309 m²Land area: 351 m²5 bedrooms5 bathrooms

Apartment – Lisbon, Portugal for 1,390,000 €

Apartment – Lisbon, Portugal

1,390,000 €

£1,196,000

Total area 218 m²Land area: 300 m²3 bedrooms4 bathrooms

Apartment – Lisbon, Portugal for 630,000 €

With swimming pool

Apartment – Lisbon, Portugal

630,000 €

£542,000

Total area 77 m²Land area: 91 m²1 bedroom1 bathroom

2 weeks ago

Apartment – Lisbon, Portugal for 976,000 €

With swimming pool

Apartment – Lisbon, Portugal

976,000 €

£840,000

Total area 105 m²Land area: 127 m²2 bedrooms1 bathroom

2 weeks ago

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