Buying property in Portugal

You've set your sights on buying property in Portugal. Que bom! But where do you start? Pedro advises and guided you in the purchase process of your Portuguese property.

Through transparent information, useful tools and a network of specialists, you will get clarity as well as concrete help so that you can successfully buy a Portuguese property.

In 4 steps property purchases In Portugal with the help of Pedro

Pedro helps you in 4 clear steps to make work of that Portuguese home.

Chat with Pedro

Present your purchase plans to Pedro. He will direct you to the next step.

Get customised info

Pedro guides you with a tailor-made calculation via one of his handy tools.

Financing in Portugal

Pedro gives you an indication of how you can finance: using excess value or getting a mortgage.

Returns in Portugal

Pedro's tools advise you on the expected return On renting out your property.

How does it purchase process in Portugal?

They often start with a house hunting via a (Dutch-language) purchase broker. It takes stock of your wishes and finds suitable accommodation in Portugal, such as in the Algarve or in cities like Lisbon or Porto. Many Dutch and Belgians buy on the coast! However, a very important step is Know for what amount you can buy! Indeed, this determines which purchase category you can actually start searching in. Pedro obviously helps to understand this.

Then have you found property? Then financing will have to be arranged, a reservation or provisional purchase contract signed and often the property will have to be checked for permits. A Portuguese lawyer will take on these tasks in almost all cases. Once everything is finalised, all parties (notary, bank, buyer, seller) can together choose a desired transfer date!

Do you have any questions about this? And in particular what to look out for?
Then just chat with Pedro

How financier you the property acquisition?

But first: so how do you finance your property in Portugal? In fact, there are several routes to a successful purchase! For instance, you can:

Selling your property when emigrating and buying something back in Portugal for this amount
Taking surplus value in NL or BE and putting it towards a Portuguese purchase
Taking out a mortgage in Portugal! OR combine this with any excess value

Pedro is happy to help you get your financing in Portugal right.

Tools for funding in Portugal

These solutions give you a clearer picture whether a Portuguese house financed and how best to do so.

Mortgage indication Portugal

You want to buy property in Portugal and finance it with a mortgage (with a Portuguese bank)? Start your indication for Portugal!

Start Portuguese indication

Surplus value check

Get a clear indication of whether and how you can use your excess value in the Netherlands to finance a Portuguese home. That way you know where you stand!

Start capital gains check

The cost of property in Portugal

Buying and owning a property in Portugal is not particularly expensive, but it is certainly not free either. You have to pay taxes and you have to deal with buyer's costs (which you are not allowed to co-finance, by the way). An important part is the transfer tax which is progressive in Portugal (and thus can range from 1 to as much as 8%). In addition, you will also pay property tax AND you will have to file an income tax return for your rental income or sales proceeds.

So all in all, quite a lot of costs. You can use our whitepaper costs & taxes in Portugal find everything about it, for only 3.99

And possibly renting out is an option to cut costs, or even make a return?

Rental of your Portuguese property

One option, of course, is to rent out your property in Portugal (occasionally). This allows you to recoup some of your maintenance and tax costs when you are not using the property yourself. Just keep in mind that you will not always get a rental licence just like that! Incidentally, there is a difference in Portugal between short-term rental (such as through Airbnb) and long-term rental Or to friends/acquaintances.

Want to rent out your Portuguese property and know what your potential rental yield could be? Then the rental yield calculation of Pedro potentially interesting!

The benefits of Pedro at a property purchase in Portugal

Find out how Pedro can be your smart buying assistant in your Portuguese real estate adventure:

Transparency on the real estate market

Brokers and brokers often tell you a lot. Pedro is your transparent second opinion whether that info is accurate.

Smart tools that provide insight

Through our calculators and reports, you can gain in-depth insight into your purchase (options) for a fraction of the price.

AI as digital advisor

Pedro is trained with AI on all recent knowledge about the real estate market ánd your file.

Pedro advises the best route for your specific financial purchasing options

Should you opt for a mortgage in Portugal for your purchase? Or rather take up excess value? And does financing affect your rental return?

Pedro helps you determine the best purchase route for you using handy tools. This saves you time, money and prevents you from making the wrong choices. Win-win!

Ask Pedro your purchase questions at any time and in your own language

Pedro works digitally and can always answer your questions, even in the evenings and weekends.

Unlike a human advisor, he assesses your case based on your data and gives honest and objective answers. And that 24/7 in your own language!