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 a house 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 house totals about € 100-130 per month.

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 Lisbon, Portugal - Buy villas and homes in Lisbon

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Fantastic 4 Bedroom Villa for Sale in a unique location – Ericeira, Portugal for 595,000 €

Fantastic 4 Bedroom Villa for Sale in a unique location – Ericeira, Portugal

595,000 €

£517,000

Total area 224 m²Land area: 421 m²4 bedrooms3 bathrooms

2 weeks ago

Villa – Lisbon, Portugal for 7,500,000 €

Villa – Lisbon, Portugal

7,500,000 €

£6,516,000

Total area 1,188 m²Land area: 2,780 m²6 bedrooms7 bathrooms

Swimming pool long 90m!

The Community: Investment apartments with 8% yield per annum in the center of the developing area — Motor City, Dubai, UAE

From 118,000 €

Completion in: 2025 Yield: 8,0% Apartments in total: 450

Residential complex

Villa – Alcabideche, Lisbon, Portugal for 1,670,000 €

Villa – Alcabideche, Lisbon, Portugal

1,670,000 €

£1,451,000

Total area 170 m²Land area: 370 m²3 bedrooms5 bathrooms

1 week ago

Villa – Lisbon, Portugal for 1,275,000 €

Villa – Lisbon, Portugal

1,275,000 €

£1,108,000

Total area 330 m²Land area: 631 m²5 bedrooms5 bathrooms

1 month ago

Villa – Alcabideche, Lisbon, Portugal for 1,590,000 €

Villa – Alcabideche, Lisbon, Portugal

1,590,000 €

£1,381,000

Total area 170 m²Land area: 340 m²3 bedrooms5 bathrooms

2 months ago

Villa – Lisbon, Portugal for 1,395,000 €

Villa – Lisbon, Portugal

1,395,000 €

£1,212,000

Total area 362 m²Land area: 20,000 m²7 bedrooms6 bathrooms

2 months ago

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Villa – Lisbon, Portugal for 1,800,000 €

Villa – Lisbon, Portugal

1,800,000 €

£1,564,000

Total area 374 m²Land area: 565 m²6 bedrooms5 bathrooms

2 months ago

Villa – Cascais, Lisbon, Portugal for 2,250,000 €

Villa – Cascais, Lisbon, Portugal

2,250,000 €

£1,955,000

Total area 622 m²Land area: 622 m²4 bedrooms5 bathrooms

Villa – Cascais, Lisbon, Portugal for 2,300,000 €

Villa – Cascais, Lisbon, Portugal

2,300,000 €

£1,998,000

Total area 622 m²Land area: 622 m²4 bedrooms5 bathrooms

Villa – Cascais, Lisbon, Portugal for 5,100,000 €

Villa – Cascais, Lisbon, Portugal

5,100,000 €

£4,431,000

Total area 475 m²Land area: 900 m²6 bedrooms7 bathrooms

2 weeks ago

Villa – Cascais, Lisbon, Portugal for 3,000,000 €

Villa – Cascais, Lisbon, Portugal

3,000,000 €

£2,606,000

Total area 106 m²Land area: 131 m²2 bedrooms2 bathrooms

Villa – Alcabideche, Lisbon, Portugal for 1,995,000 €

Villa – Alcabideche, Lisbon, Portugal

1,995,000 €

£1,733,000

Total area 333 m²Land area: 473 m²5 bedrooms5 bathrooms

1 month ago

Villa – Alcabideche, Lisbon, Portugal for 2,200,000 €

Villa – Alcabideche, Lisbon, Portugal

2,200,000 €

£1,911,000

Total area 333 m²Land area: 473 m²5 bedrooms5 bathrooms

1 month ago

Villa – Alcabideche, Lisbon, Portugal for 2,150,000 €

Villa – Alcabideche, Lisbon, Portugal

2,150,000 €

£1,868,000

Total area 333 m²Land area: 473 m²5 bedrooms5 bathrooms

1 month ago

Stunning mansion with a huge garden and overlooking the sea, Estoril, Portugal for 9,000,000 €

Stunning mansion with a huge garden and overlooking the sea, Estoril, Portugal

9,000,000 €

£7,819,000

Total area 981 m²Land area: 6,366 m²9 bedrooms7 bathrooms

Villa – Oeiras, Lisbon, Portugal for 12,500,000 €

The first line

Villa – Oeiras, Lisbon, Portugal

12,500,000 €

£10,860,000

Total area 1,600 m²Land area: 6,000 m²20 bedrooms6 bathrooms

Villa – Lisbon, Portugal

671,000 €

£583,000

Total area 220 m²Land area: 489 m²4 bedrooms4 bathrooms

Villa – Lisbon, Portugal

513,000 €

£445,000

Total area 168 m²Land area: 374 m²3 bedrooms4 bathrooms

Villa – Mafra National Palace, Lisbon, Portugal for 1,700,000 €

Villa – Mafra National Palace, Lisbon, Portugal

1,700,000 €

£1,477,000

Total area 3,712 m²Land area: 3,712 m²7 bathrooms

Luxury house with garden and pool, Lisbon, Portugal for 4,350,000 €

Luxury house with garden and pool, Lisbon, Portugal

4,350,000 €

£3,779,000

Total area 680 m²

Villa – Lourinhã Municipality, Lisbon, Portugal for 560,000 €

Villa – Lourinhã Municipality, Lisbon, Portugal

560,000 €

£487,000

Total area 3,120 m²Land area: 3,120 m²5 bathrooms

Villa – Lisbon, Portugal

200,000 €

£174,000

Total area 44 m²2 bedrooms

Similar facilities nearby

Fantastic villa with stunning views of the ocean and the city in Funchal, Madeira, Portugal

790,000 €

Total area 195 m²Land area: 969 m²3 bedrooms4 bathrooms

Historic villa with a swimming pool, a garden and a view of the sea in a prestigious area, Funchal, Portugal

2,500,000 €

Total area 1,200 m²Land area: 1,200 m²4 bedrooms5 bathrooms

Exclusive two-storey villa with panoramic ocean views, Madeira, Portugal

1,980,000 €

Total area 420 m²Land area: 600 m²4 bedrooms6 bathrooms

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

4,500,000 €

Total area 486 m²4 bedrooms4 bathrooms

New villa with a pool and sea views in Lagos, Faro, Portugal

2,300,000 €

Land area: 731 m²5 bedrooms6 bathrooms

New villa with a swimming pool near golf courses and beaches, Almancil, Portugal

1,250,000 €

Total area 521 m²3 bedrooms4 bathrooms

Luxury villa with a swimming pool, a garden and lounge areas, Galé, Portugal

3,500,000 €

Land area: 8,860 m²4 bedrooms5 bathrooms

Contemporary 3 Bed. Villa Turnkey

1,475,000 €

Total area 380 m²Land area: 1,114 m²4 bathrooms

Fabulous Quinta for sale in large plot with Annex, Boliqueime

1,100,000 €

Total area 334 m²Land area: 8,000 m²5 bathrooms

Farmhouse: 3 Bed. + 1 Bed + Annex

395,000 €

Total area 263 m²Land area: 669 m²3 bathrooms

2+1 Bed. Villa under Renovation

320,000 €

Total area 75 m²Land area: 2,430 m²2 bathrooms

Quality, spacious, modern villa, beautiful location

1,300,000 €

Total area 488 m²Land area: 3,226 m²5 bathrooms

2 Bed country house, annex, amazing views

480,000 €

Total area 290 m²Land area: 1,650 m²2 bathrooms

Building: 3+1 Bed Villa, 2 Commercial Spaces — Loulé/ EN125

1,100,000 €

Total area 310 m²Land area: 2,200 m²6 bathrooms

2+1 Traditional Villa with Annexes

240,000 €

Total area 381 m²Land area: 1,887 m²2 bathrooms

Traditional 2+1 Bed Villa

340,000 €

Total area 72 m²Land area: 152 m²1 bathroom

4 Bed Villa Turnkey — Between S. Brás and Loulé

525,000 €

Total area 283 m²Land area: 328 m²3 bathrooms

3 bedroom country house, annexes and workshop

985,000 €

Total area 250 m²Land area: 15,715 m²3 bathrooms

Villa with 2 annexes

595,000 €

Total area 249 m²Land area: 2,420 m²4 bathrooms

3 Bed Country Villa

280,000 €

Total area 207 m²Land area: 621 m²1 bathroom

3+1 Bed. Traditional Villa

325,000 €

Total area 166 m²Land area: 110 m²2 bathrooms

Charming & Renovated 1 Bed. + Mezzanine Villa

108,000 €

Total area 51 m²1 bathroom

3 Bed. Villa w/ Garage and Garden

700,000 €

Total area 242 m²Land area: 510 m²3 bathrooms

Agricultural – Setubal (city), Setubal, Portugal

2,500,000 €

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

Villa – Grândola, Setubal, Portugal

1,320,000 €

Total area 260 m²Land area: 1,053 m²4 bedrooms4 bathrooms