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Portugal remains one of Europe's most open markets for international buyers, with no restrictions on foreign ownership and a legal system that protects buyers and sellers alike. Here is what to expect at each stage of buying a home in Portugal in 2026.
The process typically begins with a NIF (Portuguese tax number), which any foreign buyer needs before signing anything. Once a property is chosen, buyer and seller sign a CPCV (a promissory contract) with a deposit, usually 10 to 30 percent, that legally binds both sides ahead of the final deed. Buyers should budget for IMT (property transfer tax), stamp duty and notary and registration fees on top of the purchase price.
Non-resident buyers can access mortgage financing from Portuguese banks, typically up to 60 to 70 percent of the property's value, subject to standard income and credit checks. Since October 2023, Portugal has removed real estate from its Golden Visa investment routes, so buying property does not by itself grant residency. Buyers interested in relocating typically look at Portugal's D7 visa or other qualifying routes instead.
None of this is legal or tax advice. Every purchase should be reviewed by a licensed Portuguese lawyer before signing. Nova Atlantic's team can introduce qualified, independent legal and financial advisors to buyers at any of our developments.
This information is general and provided for orientation only. It is not legal, tax, financial or immigration advice. Rules and individual circumstances vary. Obtain advice from qualified Portuguese professionals before acting.
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