Luxury T4 Villa with Pool & Garden in Cascais

Yes. Portuguese banks regularly finance non-resident buyers — typically up to 70% LTV, with terms up to 30 years. Several institutions offer English-speaking mortgage advisers specializing in international clients. We can connect you with our trusted banking partners.

For a property at €3.8M, the IMT (property transfer tax) is approximately 7.5% for non-habitual residents. Stamp Duty (Imposto de Selo) is an additional 0.8%. Legal and notary fees typically range from 1–2%. Our team can provide a detailed cost breakdown.

While the traditional real estate Golden Visa route has been restructured, Portugal still offers residency options through investment. This property's location and value make it attractive for NHR (Non-Habitual Resident) tax status, which offers significant tax benefits for 10 years.

Annual costs include IMI (property tax, around 0.3–0.45% of tax value), condominium fees (if applicable), and utilities. Thanks to 10 solar panels and A+ energy rating, energy costs are significantly reduced. We estimate total annual costs around €8,000–€12,000.

You will need a NIF (Portuguese tax number), valid passport/ID, proof of funds, and bank account in Portugal. If buying through a company, additional corporate documentation is required. We coordinate the entire process with a specialized property lawyer.

From offer to completion, typically 4–8 weeks for a straightforward purchase. This includes due diligence, promissory contract (CPCV) with a 10% deposit, and the final deed signing at the notary. We guide you through every step.