At Portugal Homes, we’re dedicated to simplifying your property purchase journey, making it effortless with our personalised in-depth market knowledge & advisory. Our curated approach focuses on realising value and preserving wealth. We manage the full investment lifecycle, from identifying the perfect asset to daily property management, ensuring your acquisition becomes the foundation of a lasting legacy in Portugal.
We Simplify Things For You
It all begins with finding your property. The process then moves through three stages: Reservation, Promissory Contract, and the Final Deed.
To proceed, you will need a Portuguese Tax Number (NIF) and a Portuguese bank account (recommended but not mandatory).
If you reside abroad, Portugal Homes handles this bureaucracy on your behalf.
Start Your Journey
Found the perfect property? The next step is to agree on the price and finalise the reservation.
We can handle the negotiation for you.
You’ll need to make a deposit to secure the property and prevent other offers.
To secure the property, a reservation fee is paid, typically between €6,000 and €20,000, and a short agreement is signed under legal supervision.
A 15-30 day period follows, allowing for due diligence on property licenses. Both the fee and timeline are negotiable at this stage and agreed upon at the time of sale.
The Promissory, known in Portuguese as Contrato-Promessa de Compra e Venda (CPCV), is the legally-binding contract that outlines all the terms of the sale.
It’s safeguarded by the Portuguese Civil Code, which protects both the buyer and the seller.
If the seller quits, they have to repay the double the deposit;
If the buyer quits, they lose the deposit.
Note: If the buyer has the full amount to proceed with the purchase, this step can be promptly skipped ahead to the deed.
However, in 90% of property sales, the promissory is signed to allow for a more flexible timeline.
Signing the deed officially finalises the transaction and transfers property ownership.
For existing properties, the remaining balance is paid (minus any reservation fee, if applicable) and the property is registered by the notary present.
For off-plan properties, your lawyer must verify licenses and debt-free status before registering the property in your name.
Here's What to Consider Before You Buy
While buying property is a straightforward process, navigating the associated bureaucracy can unnecessarily delay the entire purchase journey.
Our in-depth knowledge of the real estate market allows us to anticipate and avoid common obstacles, ensuring a smoother process and timely handover of the keys.
We take care of the following—and much more.
Ensures a secure transaction. Your lawyer reviews contracts and records to confirm there are no outstanding debts and that all legal requirements for the sale are met. Although not mandatory we highly recommend you hire legal services to best safeguard your interests. We can refer you to leading experts in the property and investment migration fields.
To proceed, you will need: - Portuguese Tax Number (NIF); - Valid ID card or passport; - Proof of income or financing; - Property documents (provided by the seller). Our Real Estate Advisory service helps streamline this process, ensuring nothing is overlooked and significantly reducing delays along the way.
Makes paying taxes and bills easier. While not strictly mandatory, it is highly recommended. Portugal Homes can assist you in opening an account.
Mandatory for residential properties. This document certifies the property is fit for living. This is a crucial check, especially in Lisbon, due to commercial-to-residential conversions.
A one-off tax paid before the Final Deed. Rates vary by property value and purpose, reaching up to 8% (progressive scale). Exemptions may apply for permanent residences (lower tiers) or urban rehabilitation projects.
Stamp Duty: A one-off 0.8% fee on the deed value. IMI: An annual municipal tax, calculated based on the property's taxable value (Valor Patrimonial).
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We Guide You Through Every Step
Buying With Us Makes All the Difference
What Our Clients Say About Us
This experience started with Kate Goucher and ended with João Bosco. It was smooth, efficient and professional.
Zak Alaoui
Morocco
Very friendly and knowledgeable, good sense of humor and best choice of apartments.
Paul & Katherine Hernaez
France
The people at Portugal Homes are fantastic and dedicated to giving the buyer every opportunity available. They have a fantastic product for existing homes.
Chang family
Taiwan
Ryan has been extremely helpful and responsive to our questions. It was a delight to have worked with him, including Mariana, Luísa, and David as well. Very experienced team!
Marjorie Tan-Thronson
USA
Very efficient even though my family only gave him a short notice for viewing properties. Efficient staff and company.
Homebuyer
Hong Kong
Ryan was an excellent real estate agent, he really steered me in the right direction based on what I said was important to me.
Investor
USA
Very positive, with visits 'on-site', accurate and very detailed. A 'Unique' experience.
Jean-Albert Antichan
France
Mr Lee and his colleagues have helped me to find the proper property in Lisbon. The whole team were very nice and helpful to us.
Lama Alassar
Egypt
Very knowledgeable and professional, able to provide clear advice that meets my needs, allowing me to make a decision quickly. Efficient and energetic team.
Tang Wing Yun
Hong Kong
João Bosco and Kate were very helpful and gave great real estate market advice and information on the purchase of our home.
Alpa Parekh
Singapore
It's fantastic how Ryan had complete knowledge regarding Lisbon and dealt with us in a great manner.
Akbar Ali
Pakistan
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