Can foreign nationals take out mortgage loans in Vila Nova de Gaia?

Yes, non-residents can be issued a mortgage loan to buy property in Vila Nova de Gaia. 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 Vila Nova de Gaia?

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 Vila Nova de Gaia?

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.

2 Bedroom Apartments for Sale in Vila Nova de Gaia from 305,000€

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Luxury 2-bedroom flat in Gaia for 550,000 €

Luxury 2-bedroom flat in Gaia

550,000 €

£475,000

Total area 117 m²2 bedrooms2 bathrooms

Luxury 2-bedroom flat in Gaia

550,000 €

£475,000

Total area 119 m²2 bedrooms2 bathrooms

3% discount on apartments

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

From 119,000 €

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

Residential complex

Luxurious T1 Apartment

310,000 €

£268,000

Total area 48 m²2 bedrooms2 bathrooms

Luxurious T2 Apartment

450,000 €

£388,000

Total area 118 m²2 bedrooms2 bathrooms

Luxury 1-bedroom flat in Gaia for 305,000 €

Luxury 1-bedroom flat in Gaia

305,000 €

£263,000

Total area 45 m²2 bedrooms1 bathroom

Luxury 2-bedroom flat in Gaia for 515,000 €

Luxury 2-bedroom flat in Gaia

515,000 €

£444,000

Total area 122 m²2 bedrooms2 bathrooms

Discounted apartments and new-builds upon request

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

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Client manager

We find off-market properties
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Luxury 2-bedroom flat in Gaia for 475,000 €

Luxury 2-bedroom flat in Gaia

475,000 €

£410,000

Total area 122 m²2 bedrooms2 bathrooms

Luxurious T2 Apartment

430,000 €

£371,000

Total area 119 m²2 bedrooms2 bathrooms

Luxurious T1 Apartment

320,000 €

£276,000

Total area 48 m²2 bedrooms2 bathrooms

Luxurious T2 Apartment with Pool for 605,000 €

Luxurious T2 Apartment with Pool

605,000 €

£522,000

Total area 207 m²2 bedrooms2 bathrooms

Luxurious T2 Apartment

435,000 €

£375,000

Total area 116 m²2 bedrooms2 bathrooms

Luxury 2 bedroom flat in Gaia for 525,000 €

Luxury 2 bedroom flat in Gaia

525,000 €

£453,000

Total area 120 m²2 bedrooms2 bathrooms

Marina Douro I Development — T2 for 515,000 €

Marina Douro I Development — T2

515,000 €

£444,000

Total area 116 m²2 bedrooms2 bathrooms

Luxury 2-bedroom flat in Gaia

525,000 €

£453,000

Total area 119 m²2 bedrooms2 bathrooms

Luxury 2-bedroom flat in Gaia for 440,000 €

Luxury 2-bedroom flat in Gaia

440,000 €

£380,000

Total area 122 m²2 bedrooms2 bathrooms

Luxurious T2 Apartment

430,000 €

£371,000

Total area 116 m²2 bedrooms2 bathrooms

2-bedrooms apartment 120 m² in Vila Nova de Gaia, Portugal for 460,000 €

2-bedrooms apartment 120 m² in Vila Nova de Gaia, Portugal

460,000 €

£397,000

Total area 120 m²2 bedrooms2 bathrooms

Premium 2-Bedroom apartment overlooking the Douro river! for 725,000 €

With swimming pool

Premium 2-Bedroom apartment overlooking the Douro river!

725,000 €

£626,000

Total area 153 m²2 bedrooms2 bathrooms

Premium 2-Bedroom apartment overlooking the Douro river! for 830,000 €

With swimming pool

Premium 2-Bedroom apartment overlooking the Douro river!

830,000 €

£716,000

Total area 140 m²2 bedrooms2 bathrooms

Premium 2-Bedroom Duplex apartment overlooking the Douro river! for 650,000 €

With swimming pool

Premium 2-Bedroom Duplex apartment overlooking the Douro river!

650,000 €

£561,000

Total area 186 m²2 bedrooms2 bathrooms

With swimming pool

Premium 2-Bedroom apartment overlooking the Douro river!

725,000 €

£626,000

Total area 153 m²2 bedrooms2 bathrooms

With swimming pool

Premium 2-Bedroom apartment overlooking the Douro river!

830,000 €

£716,000

Total area 123 m²2 bedrooms3 bathrooms

With swimming pool

Premium 2-Bedroom apartment overlooking the Douro river!

830,000 €

£716,000

Total area 123 m²2 bedrooms3 bathrooms

With swimming pool

Premium 2-Bedroom apartment overlooking the Douro river!

830,000 €

£716,000

Total area 136 m²2 bedrooms3 bathrooms

Magnificent residential complex next to the Douro River in Vila Nova de Gaia, Portugal for From 320,000 €

Magnificent residential complex next to the Douro River in Vila Nova de Gaia, Portugal

From 320,000 €

From £276,000

Completion in: 2026.IIITotal of 62 apartments

Residential complex

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2 bedroom apartments for sale in Vila Nova de Gaia

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