Can foreign nationals take out mortgage loans in Madeira?

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

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 Madeira?

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.

4 Bedroom Apartments for Sale in Madeira from 1,100,000 €

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4-bedroom apartment 393 m² in Funchal

Funchal, Madeira, Portugal

1,400,000 €

Total area 393 m² · 4 bedrooms · 5 bathrooms

4-bedroom apartment 216 m² in Funchal

Funchal, Madeira, Portugal

1,100,000 €

Total area 216 m² · 4 bedrooms · 4 bathrooms

Residential complex

Residential complex with swimming pools, a garden, and a gym, Funchal, Portugal

São Martinho, Funchal, Madeira, Portugal

From 580,000 €

Total 112 units available from the developer

Built in 2022

2 bedrooms from 580,000 €

3 bedrooms from 650,000 €

4 bedrooms from 1,480,000 €

Elvira Gracheva

Head of Sales Tranio Europe

Tranio Projects for Profitable Investments

Sourcing prime properties to match your goals, negotiating exclusive terms, delivering an independent investment analysis.

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Similar facilities nearby

Residential complex

Exclusive villa complex surrounded by a nature reserve, Comporta, Portugal

Comporta, Setubal, Portugal

From 4,300,000 €

Total 15 units available from the developer

Built in 2024

Villas from 4,300,000 €

Residential complex

Duplex villas with pools, ocean and golf course views in Almada, Setubal, Portugal

Almada, Setubal, Portugal

From 1,445,000 €

Total 71 units available from the developer

Completion in: 2028.II

Villas from 1,445,000 €

Residential complex

Prestigious villas with private pools and a shared gym and spa, Cascais, Portugal

Cascais, Lisbon, Portugal

From 4,000,000 €

Total 18 units available from the developer

Completion in: 2028.I

Villas from 4,000,000 €

Residential complex

Exclusive residential complex on the banks of the Tagus River, Lisbon, Portugal

Lisbon, Portugal

From 650,000 €

Total 214 units available from the developer

Built in 2025

1 bedroom from 650,000 €

2 bedrooms from 800,000 €

3 bedrooms from 1,600,000 €

4 bedrooms from 1,650,000 €

5 bedrooms from 4,750,000 €

With swimming pool

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

Cascais, Lisbon, Portugal

2,000,000 €

Total area 210 m² · 4 bedrooms

With swimming pool

Magnificent 4-bedroom apartment in a luxury condominium near the school, Vila Nova de Gaia, Porto, Portugal

Vila Nova de Gaia, Porto, Portugal

695,000 €

Total area 253 m² · 4 bedrooms · 3 bathrooms

Sea view

4-bedroom apartment 260 m² in Cascais

Cascais, Lisbon, Portugal

3,150,000 €

Total area 260 m² · Land area: 315 m² · 4 bedrooms · 4 bathrooms

Four-bedroom apartment with a large terrace next to the Tagus River in Lisbon, Portugal

Lisbon, Portugal

1,810,000 €

Total area 266 m² · 4 bedrooms · 3 bathrooms

4-bedroom apartment 168 m² in Estoril

Estoril, Lisbon, Portugal

1,086,000 €

Total area 168 m² · Land area: 248 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 153 m² in Estoril

Estoril, Lisbon, Portugal

911,000 €

Total area 153 m² · Land area: 229 m² · 4 bedrooms · 3 bathrooms

4-bedroom apartment 244 m² in Parque das Nações

Parque das Nações, Lisbon, Portugal

3,400,000 €

Total area 244 m² · Land area: 270 m² · 4 bedrooms · 3 bathrooms

4-bedroom apartment 153 m² in Estoril

Estoril, Lisbon, Portugal

911,000 €

Total area 153 m² · Land area: 229 m² · 4 bedrooms · 3 bathrooms

4-bedroom apartment 154 m² in Estoril

Estoril, Lisbon, Portugal

970,000 €

Total area 154 m² · Land area: 231 m² · 4 bedrooms · 3 bathrooms

4-bedroom apartment 140 m² in Lisbon

Lisbon, Portugal

849,000 €

Total area 140 m² · Land area: 188 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 274 m² in Parque das Nações

Parque das Nações, Lisbon, Portugal

4,300,000 €

Total area 274 m² · Land area: 326 m² · 4 bedrooms · 3 bathrooms

4-bedroom apartment 244 m² in Parque das Nações

Parque das Nações, Lisbon, Portugal

3,000,000 €

Total area 244 m² · Land area: 276 m² · 4 bedrooms · 3 bathrooms

Newly built four-bedroom penthouse with open ocean views in Cascais, Portugal

Cascais, Lisbon, Portugal

2,617,000 €

Total area 413 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 280 m² in Lisbon

Lisbon, Portugal

2,325,000 €

Total area 280 m² · Land area: 286 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 280 m² in Lisbon

Lisbon, Portugal

2,425,000 €

Total area 280 m² · Land area: 286 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 270 m² in Lisbon

Lisbon, Portugal

1,925,000 €

Total area 270 m² · Land area: 278 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 270 m² in Lisbon

Lisbon, Portugal

1,975,000 €

Total area 270 m² · Land area: 278 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 275 m² in Lisbon

Lisbon, Portugal

2,600,000 €

Total area 275 m² · Land area: 281 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 280 m² in Lisbon

Lisbon, Portugal

1,850,000 €

Total area 280 m² · Land area: 281 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 280 m² in Lisbon

Lisbon, Portugal

2,125,000 €

Total area 280 m² · Land area: 286 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 275 m² in Lisbon

Lisbon, Portugal

1,950,000 €

Total area 275 m² · Land area: 281 m² · 4 bedrooms · 4 bathrooms

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4 bedroom apartments for sale in Madeira