🇬🇧 STEP-BY-STEP GUIDE TO BUYING PROPERTY IN PORTUGAL (2026)
Buying property in Portugal remains a very attractive option — whether for living, relocating, or investing. However, the buying process is different from many other countries, and understanding each step is essential to ensure a safe and successful purchase.
This guide explains how buying property in Portugal works, based on real market experience.
1️⃣ Budget and financing
Before viewing properties, it’s essential to understand your real budget.
In addition to the purchase price, buyers should consider:
taxes and legal costs
deed and registration fees
potential renovation or improvement costs
ongoing expenses (IMI, condominium fees, utilities)
If financing is required, mortgage pre-approval is highly recommended.
It strengthens your position during negotiations and helps avoid losing good opportunities.
2️⃣ Choosing the right location
Portugal offers very different regions, lifestyles and price levels.
When choosing an area, consider:
living vs investment goals
accessibility and infrastructure
long-term growth and resale potential
Examples:
Sintra area: excellent access to Lisbon, strong demand, well-established market
Silver Coast: quality of life, growing international interest, long-term potential
Choosing the right location is as important as choosing the right property.
3️⃣ Property visits and due diligence
During visits, buyers should look beyond appearances.
Important aspects to check include:
sun exposure
construction quality
legal documentation
condominium fees and rules
noise levels and surroundings
Many issues are not immediately visible, which is why proper guidance and due diligence are essential.
4️⃣ Offer and negotiation
Once the right property is found, a formal offer is submitted.
Offers usually include:
proposed purchase price
timeline for the process
conditions (financing, deadlines, included items)
In Portugal, the strongest offer is not always the highest one.
Clear conditions, realistic timelines and financial credibility often make the difference.
5️⃣ Promissory Contract (CPCV)
The Promissory Contract (CPCV) secures the agreement between buyer and seller.
It typically includes:
deposit payment
agreed deadlines
penalty clauses in case of non-compliance
Understanding the CPCV is essential to protect the buyer’s interests and avoid unnecessary risk.
6️⃣ Deed and final costs
Before completion, all documentation is verified.
Typical costs include:
IMT tax
Stamp Duty
deed and registration fees
On the day of the deed, ownership is officially transferred and the keys are handed over.
7️⃣ After the deed: important next steps
After completing the purchase, there are still a few important steps to take:
transferring utility contracts (water, electricity, gas, internet)
updating property registration records
notifying the tax authorities
If the property is purchased as a primary residence, buyers should also update their official address on their identification documents, ensuring all records are correct and aligned with their new residence.
These details are often overlooked but are part of a well-completed purchase process.
Final thoughts
Buying property in Portugal is a transparent and structured process when properly understood and supported.
Good planning and local guidance make all the difference — especially for international buyers.
👉 If you are considering buying property in Portugal and would like professional guidance throughout the process, feel free to get in touch.
André Branco Real Estate Agent
andre.branco@iadportugal.pt
