Can foreign nationals take out mortgage loans in Porto (city)?

Yes, non-residents can be issued a mortgage loan to buy property in Porto (city). 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 Porto (city)?

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 Porto (city)?

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.

496 Apartments for Sale in Porto (city), Buy Flat from 150,000€

Order by:

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

Spacious apartment in a new residence with a garden and a swimming pool, in the historic center of Porto, Portugal for 550,000 €

Spacious apartment in a new residence with a garden and a swimming pool, in the historic center of Porto, Portugal

550,000 €

£464,000

Total area 179 m²2 bedrooms

Renovated apartments in the city center, Porto, Portugal for From 242,000 €

Renovated apartments in the city center, Porto, Portugal

From 242,000 €

From £204,000

Total of 17 apartments

Residential complex

3% discount on apartments

Investment apartments in The Community at 9% per annum in the heart of the Motor City area, Dubai

From 123,000 €

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

Residential complex

Apartments with a river view in the historic part of the city, Porto, Portugal for From 365,000 €

Apartments with a river view in the historic part of the city, Porto, Portugal

From 365,000 €

From £308,000

Total of 17 apartments

Residential complex

New apartment for a residence permit in a historic building, in the center of Porto, Portugal for 360,000 €

New apartment for a residence permit in a historic building, in the center of Porto, Portugal

360,000 €

£304,000

Total area 48 m²1 bedroom1 bathroom

Apartments in the city center, with a guaranteed yield of 3.5%, Porto, Portugal for From 350,000 €

Apartments in the city center, with a guaranteed yield of 3.5%, Porto, Portugal

From 350,000 €

From £296,000

Total of 41 apartments

Residential complex

Renovated historic residence in the heart of Porto, Portugal for From 530,000 €

Renovated historic residence in the heart of Porto, Portugal

From 530,000 €

From £448,000

Total of 32 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

We find off-market properties
We organise viewings
We assist in obtaining a mortgage

Residence with a garage near a metro station and the city center, Porto, Portugal for From 215,000 €

Residence with a garage near a metro station and the city center, Porto, Portugal

From 215,000 €

From £182,000

Total of 14 apartments

Residential complex

New residence near a metro station, in the center of Porto, Portugal for From 197,000 €

New residence near a metro station, in the center of Porto, Portugal

From 197,000 €

From £166,000

Built in 2023Total of 16 apartments

Residential complex

New two-bedroom apartment, Bonfim, Porto, Portugal for 390,000 €

New two-bedroom apartment, Bonfim, Porto, Portugal

390,000 €

£329,000

Total area 94 m²2 bedrooms2 bathrooms

3-bedrooms apartment 152 m² in Porto (city), Portugal for 675,000 €

3-bedrooms apartment 152 m² in Porto (city), Portugal

675,000 €

£570,000

Total area 152 m²3 bedrooms3 bathrooms

3 months ago

2-bedrooms apartment 128 m² in Porto (city), Portugal for 485,000 €

2-bedrooms apartment 128 m² in Porto (city), Portugal

485,000 €

£410,000

Total area 128 m²2 bedrooms2 bathrooms

3 months ago

3-bedrooms apartment 136 m² in Porto (city), Portugal for 628,000 €

3-bedrooms apartment 136 m² in Porto (city), Portugal

628,000 €

£530,000

Total area 136 m²3 bedrooms3 bathrooms

3 months ago

2-bedrooms apartment 106 m² in Porto (city), Portugal for 416,000 €

2-bedrooms apartment 106 m² in Porto (city), Portugal

416,000 €

£352,000

Total area 106 m²2 bedrooms2 bathrooms

3 months ago

2-bedrooms apartment 90 m² in Porto (city), Portugal for 350,000 €

2-bedrooms apartment 90 m² in Porto (city), Portugal

350,000 €

£296,000

Total area 90 m²2 bedrooms2 bathrooms

3 months ago

3-bedrooms apartment 137 m² in Porto (city), Portugal for 607,000 €

3-bedrooms apartment 137 m² in Porto (city), Portugal

607,000 €

£513,000

Total area 137 m²3 bedrooms3 bathrooms

3 months ago

3-bedrooms apartment 134 m² in Porto (city), Portugal for 582,000 €

3-bedrooms apartment 134 m² in Porto (city), Portugal

582,000 €

£491,000

Total area 134 m²3 bedrooms3 bathrooms

3 months ago

3-bedrooms apartment 124 m² in Porto (city), Portugal for 518,000 €

3-bedrooms apartment 124 m² in Porto (city), Portugal

518,000 €

£437,000

Total area 124 m²3 bedrooms3 bathrooms

3 months ago

3-bedrooms apartment 167 m² in Porto (city), Portugal for 705,000 €

3-bedrooms apartment 167 m² in Porto (city), Portugal

705,000 €

£595,000

Total area 167 m²3 bedrooms3 bathrooms

3 months ago

2-bedrooms apartment 106 m² in Porto (city), Portugal for 417,000 €

2-bedrooms apartment 106 m² in Porto (city), Portugal

417,000 €

£352,000

Total area 106 m²2 bedrooms2 bathrooms

3 months ago

T3+1 Duplex Apartment

1,874,000 €

£1,582,000

Total area 254 m²Land area: 354 m²3 bedrooms3 bathrooms

3 months ago

T3+1 Duplex Apartment with Patio for 1,800,000 €

T3+1 Duplex Apartment with Patio

1,800,000 €

£1,520,000

Total area 250 m²Land area: 357 m²3 bedrooms3 bathrooms

3 months ago

T4+1 Duplex Apartment

2,090,000 €

£1,765,000

Total area 286 m²Land area: 386 m²4 bedrooms3 bathrooms

3 months ago

T4+1 Duplex Apartment with Patio for 2,005,000 €

T4+1 Duplex Apartment with Patio

2,005,000 €

£1,693,000

Total area 287 m²Land area: 390 m²4 bedrooms3 bathrooms

3 months ago

T4+1 Duplex Apartment

2,090,000 €

£1,765,000

Total area 286 m²Land area: 386 m²4 bedrooms4 bathrooms

3 months ago

T3+1 Duplex Apartment with Patio for 1,745,000 €

T3+1 Duplex Apartment with Patio

1,745,000 €

£1,474,000

Total area 247 m²Land area: 345 m²3 bedrooms3 bathrooms

3 months ago

last page

1-25 of 496 listings, page 1 of 20

Tranio’s client cases

All cases

18 January 2016
Property in Portugal: buy in winter to enjoy in summer says this buyer
A flat in Portugal is a dream for many, but property-hunters had better take their time and shouldn’t buy during the summer according to this flat-owner. Here’s why…
06 May 2025
The Art of Renovation in Northern Athens and One-Stop-Shop Service of Tranio Hellas: Why Investor Bought Apartment...
Tranio has been operating in the Greek property market since 2010, selecting homes for clients from trusted partners across different regions — both in cities and in coastal resort locations.
28 February 2025
The Master Key: How a Tranio Client Optimised Taxes Through Real Estate Investment in Cyprus
Cyprus is one of the most sought-after destinations for tax optimisation, offering a transparent legal framework, full EU membership, and attractive conditions for foreign investors.
28 February 2025
The Final Lap: Returns Secured by Investors in The Community, Motor City
In October 2022, Tranio proudly unveiled a co-investment opportunity in The Community, a residential development in Motor City. This exclusive proposition invited discerning partners and clients to engage at the project’s...
13 May 2024
Tranio client's experience: apartment on the French Riviera and obtaining a residence permit for financially...
France is a country known for its quality of life, economic strength, progressive social welfare, developed infrastructure, high environmental standards and care for historical heritage. A residence permit in France allows...
25 April 2024
Tranio case: buying an apartment in Madrid and obtaining Spain Golden Visa
Today Spain is one of the most popular EU countries for obtaining a residency by investments. To participate in the Spain Golden Visa programme, an investor must invest more than 500 thousand euros in the state economy or...
06 February 2024
Tranio’s client experience: mountain chalet in the Alps for vacation and good rental income
Resort property in the French Alps is a prospective investment, both from the point of view of getting income in high season, and getting a "second home" for vacations in a sunny, comfortable Alpine climate. Alpine...
24 January 2024
Tranio’s client experience: buying a second home on the Costa Blanca
Spanish real estate has consistently been in high demand in the past few decades.
27 October 2023
From renting to permanent residence: a Tranio client's story of buying an apartment in Cyprus
Andrey, an entrepreneur from Moscow, enlisted the Tranio team's help to find an apartment for long-term rental in Cyprus. However, his aspirations evolved into purchasing an apartment for permanent residence for his entire...
13 September 2023
Tranio case: buying an investment property in Phuket
Over the past few decades, Thailand has become a reference of a paradise for living and leisure. White sandy beaches, the azure waters of the Indian Ocean, tropical flora and incredible natural landscapes together with the...

What they say about Tranio

All reviews

First and foremost Tranio is a very motivated team of professionals who surely know their job! We are very pleased with their well-coordinated work, timeliness of responses to the questions posed, and willingness to act in case of unusual situations.
Original letter

Coldwell Banker
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.
Original letter

Z. Farkas, Mundial AG
We are glad to have a partnership with Tranio! It offers a vast online property base and the best services.

Quality Villas

Apartments for sale in Porto (city)