Property in Portugal

Why Portugal?

• Property route closed — The Golden Visa property route (€500,000 / €350,000) ended on 7 October 2023 (Lei 56/2023). Remaining routes include a €500,000 investment fund, company creation and job creation.
• IMT transfer tax — 2026 permanent-home (mainland) table: 0% up to €106,346, then progressive bands; 7.5% flat above €1,150,853. The secondary-home table differs. (Source, last checked 2026-10-09)
• NIF required — No restriction for foreigners; a tax number (NIF) is required. Stamp duty 0.8%; annual IMI 0.3–0.45%.

Residence and visa programme

Golden Visa

• The property route ended on 7 October 2023 (Lei 56/2023); other routes such as a €500,000 fund remain.

Purchase costs

• IMT transfer tax (permanent-home table)
• Stamp duty (Imposto do Selo) — %0.8 (estimated (secondary source))

Buying process

1. Needs and budget call — Clarify your goal (investment, residence, holiday home, relocation), budget and preferred area with our advisor.
2. Shortlist and viewing — View shortlisted properties in person or by video tour.
3. Obtaining a NIF — Obtain a Portuguese tax number (NIF) before purchase.
4. Deed, IMT and stamp duty — An independent local lawyer should check title and contract before signing.
5. Registration and handover — Ownership is registered; annual IMI varies by municipality.

Frequently asked questions

Can I get a Golden Visa by buying property in Portugal?

No. The property route ended on 7 October 2023 (Lei 56/2023). Other routes such as fund investment remain; legal advice is needed for details.

How is IMT calculated?

Permanent homes use the banded table (AT 2026); secondary homes use a separate table. The calculator uses the permanent-home table.