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.

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 with pool for sale in Lisbon

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Villa – Cascais, Lisbon, Portugal for 3,350,000 €

Villa – Cascais, Lisbon, Portugal

3,350,000 €

£2,954,000

Total area 420 m² / 4521 ft²Land area: 980 m² / 10549 ft²5 bedrooms6 bathrooms

Villa – Lisbon, Portugal

850,000 €

£749,000

Total area 160 m² / 1722 ft²Land area: 397 m² / 4273 ft²5 bedrooms2 bathrooms

1 month ago

Portugal's «Golden Visa»

Share in pending hotel development in Algarve with buy-out in six years

280,000 € · 70% shares already sold out

Legal for Russian citizens;
Residence permits for investor's spouse and children;
Application for citizenship in five years.

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

Villa – Lisbon, Portugal

7,500,000 €

£6,612,000

Total area 1188 m² / 12788 ft²Land area: 2780 m² / 29924 ft²6 bedrooms7 bathrooms

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

Villa – Cascais, Lisbon, Portugal

2,250,000 €

£1,984,000

Total area 622 m² / 6695 ft²Land area: 622 m² / 6695 ft²4 bedrooms5 bathrooms

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

Villa – Cascais, Lisbon, Portugal

2,300,000 €

£2,028,000

Total area 622 m² / 6695 ft²Land area: 622 m² / 6695 ft²4 bedrooms5 bathrooms

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 €

£7,935,000

Total area 981 m² / 10559 ft²Land area: 6366 m² / 68524 ft²9 bedrooms7 bathrooms

Discounted homes upon request

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

Villa – Mafra National Palace, Lisbon, Portugal

1,700,000 €

£1,499,000

Total area 3712 m² / 39956 ft²Land area: 3712 m² / 39956 ft²7 bathrooms

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

Luxury house with garden and pool, Lisbon, Portugal

4,350,000 €

£3,835,000

Total area 680 m² / 7320 ft²

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

Villa – Lourinhã Municipality, Lisbon, Portugal

560,000 €

£494,000

Total area 3120 m² / 33584 ft²Land area: 3120 m² / 33584 ft²5 bathrooms

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

New furnished villa with a swimming pool and picturesque views, Funchal, Portugal

1,750,000 €

Total area 812 m²Land area: 812 m²3 bedrooms5 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

Furnished villa with a swimming pool and a garden, Funchal, Portugal

1,500,000 €

Land area: 4,000 m²4 bedrooms4 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

5 Bed. Villa (V2+V3) with fantastic sea view

720,000 €

Total area 277 m²Land area: 1,608 m²5 bathrooms

3 Bedroom Classic Villa with Sea Views

745,000 €

Total area 197 m²Land area: 1,090 m²2 bathrooms

Quality, spacious, modern villa, beautiful location

1,300,000 €

Total area 488 m²Land area: 3,226 m²5 bathrooms

3 bedroom country house, annexes and workshop

985,000 €

Total area 250 m²Land area: 15,715 m²3 bathrooms

Agricultural – Setubal (city), Setubal, Portugal

2,500,000 €

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

Villa – Faro, Portugal

3,400,000 €

Total area 464 m²Land area: 2,202 m²4 bedrooms4 bathrooms

Agricultural – Santarem, Alentejo Region, Portugal

1,950,000 €

Total area 1,500 m²Land area: 45,000 m²10 bedrooms6 bathrooms

Two-storey villa with a swimming pool, a garden and a gym, Sever do Vouga, Portugal

750,000 €

Total area 665 m²Land area: 2,100 m²4 bedrooms4 bathrooms

Agricultural – Setubal (city), Setubal, Portugal

710,000 €

Total area 65 m²Land area: 6,250 m²4 bedrooms2 bathrooms

Agricultural – Santarem, Alentejo Region, Portugal

1,950,000 €

Total area 1,094 m²Land area: 45,000 m²10 bedrooms6 bathrooms

Elite villa with a pool and ocean views, 500 meters from the beach, Praia da Luz, Faro, Portugal

2,350,000 €

Total area 350 m²Land area: 1,013 m²

Villa – Evora, Alentejo Region, Portugal

1,240,000 €

Total area 305 m²Land area: 3,064 m²3 bedrooms4 bathrooms

Furnished villa with a swimming pool and a garden in a prestigious and picturesque area, Santo Estevão, Portugal

1,000,000 €

Total area 720 m²Land area: 20,000 m²4 bedrooms3 bathrooms

Villa – Evora, Alentejo Region, Portugal

1,135,000 €

Total area 309 m²Land area: 2,996 m²3 bedrooms3 bathrooms

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