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.

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.

601 Apartments for Sale in Lisbon, Buy Flat from 170,000 €

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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 £943,000

Built in 2021Total of 57 apartments

Residential complex

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

From 1,200,000 €

From £1,029,000

Total of 15 apartments

Residential complex

90 m long swimming pool!

The Community — investment apartments by Aqua Properties with 9,5% yield per annum in the center of the developing area of Motor City, Dubai

From 128,000 €

Completion in: 2025 Yield: 9.0% Apartments in total: 450

Residential complex

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

Apartments in an elite complex, Lisbon, Portugal

From 616,000 €

From £528,000

Built in 2021Total of 36 apartments

Residential complex

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

Fully equipped new apartments in Lisbon, Portugal

From 500,000 €

From £429,000

Total of 17 apartments

Residential complex

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

From 481,000 €

From £412,000

Built in 2022Total of 9 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 £463,000

Total of 19 apartments

Residential complex

Discounted apartments and new-builds upon request

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

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Ksenia Kolesnikova,

Client manager

We find off-market properties
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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 £660,000

Built in 2021Total of 97 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 €

£673,000

Total area 132 m²1 bedroom2 bathrooms

Four-room new apartment overlooking the Tagus River, Belem, Lisbon, Portugal for 1,750,000 €

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

1,750,000 €

£1,500,000

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 €

£660,000

Total area 81 m²1 bedroom1 bathroomYield 5.0%

Three-bedroom buy-to-let apartment with a guaranteed yield of 5%, in a newly-built residential complex, Lisbon, Portugal for 2,500,000 €

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

2,500,000 €

£2,143,000

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 €

£703,000

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 €

£1,715,000

Total area 210 m²4 bedrooms

Apartments overlooking the Tagus River in a new complex, Belen, Lisbon, Portugal for From 630,000 €

Apartments overlooking the Tagus River in a new complex, Belen, Lisbon, Portugal

From 630,000 €

From £540,000

Built in 2022Total of 150 apartments

Residential complex

Apartment – Lisbon, Portugal for 1,750,000 €

Apartment – Lisbon, Portugal

1,750,000 €

£1,500,000

Total area 309 m²Land area: 351 m²5 bedrooms5 bathrooms

Apartment – Cascais, Lisbon, Portugal for 3,150,000 €

Sea view

Apartment – Cascais, Lisbon, Portugal

3,150,000 €

£2,700,000

Total area 260 m²Land area: 315 m²4 bedrooms4 bathrooms

Apartment – Lisbon, Portugal for 1,890,000 €

Apartment – Lisbon, Portugal

1,890,000 €

£1,620,000

Total area 130 m²Land area: 160 m²3 bedrooms3 bathrooms

2 months ago

Apartment – Lisbon, Portugal for 2,735,000 €

Apartment – Lisbon, Portugal

2,735,000 €

£2,345,000

Total area 467 m²Land area: 519 m²6 bedrooms7 bathrooms

Apartment – Carcavelos, Lisbon, Portugal for 765,000 €

Apartment – Carcavelos, Lisbon, Portugal

765,000 €

£656,000

Total area 125 m²Land area: 138 m²3 bedrooms3 bathrooms

Apartment – Cascais, Lisbon, Portugal for 745,000 €

Apartment – Cascais, Lisbon, Portugal

745,000 €

£639,000

Total area 125 m²Land area: 138 m²3 bedrooms3 bathrooms

Apartment – Lisbon, Portugal for 538,000 €

With swimming pool

Apartment – Lisbon, Portugal

538,000 €

£461,000

Total area 59 m²Land area: 72 m²1 bedroom1 bathroom

Apartment – Carcavelos, Lisbon, Portugal for 775,000 €

Apartment – Carcavelos, Lisbon, Portugal

775,000 €

£664,000

Total area 121 m²Land area: 134 m²3 bedrooms3 bathrooms

Apartment – Carcavelos, Lisbon, Portugal for 795,000 €

Apartment – Carcavelos, Lisbon, Portugal

795,000 €

£682,000

Total area 121 m²Land area: 134 m²3 bedrooms3 bathrooms

Apartment – Carcavelos, Lisbon, Portugal for 755,000 €

Apartment – Carcavelos, Lisbon, Portugal

755,000 €

£647,000

Total area 121 m²Land area: 134 m²3 bedrooms3 bathrooms

Apartment – Carcavelos, Lisbon, Portugal for 785,000 €

Apartment – Carcavelos, Lisbon, Portugal

785,000 €

£673,000

Total area 125 m²Land area: 138 m²3 bedrooms3 bathrooms

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It is with much enthusiasm that I personally recommend Tranio for a professional business collaboration in the ﬁeld of real estate, marketing, acquisition, and ﬁnance. The fundamentals of our business relationship with Tranio were set in 2016. Mundial AG has received the company’s great reputation throughout a number of international business pai’tners and stockholders. Tranio has helped our company to expand its horizons to the global market and has established benchmarks that would extend Mundial AG’s networks. The company has exceptional connections to potential investors and has a proﬁcient team that is capable of forming compound ﬁnancial models that attract ﬁnanciers. The cooperation with Tranio is based on professionalism, effectiveness, and Hypovﬂemsbank scrupulousness. Our experiences with Tranio are encouraging and progressive, which makes them one of our preeminent business paitners.
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Z. Farkas, Mundial AG
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