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Buying a home, with support at every step.
Tell us what you're looking for and how much you want to spend. We search, come to viewings with you and help with the paperwork.
- We do the searching, tailored to your budget
- Mortgage support, in partnership with an authorised credit intermediary
- Support until the deed is signed
Where are you in the process?
Whatever your situation, the first step is a conversation with no obligation.
- I know what I want
Tell us the area, the type of home and your budget. We search and arrange the viewings.
- I don't know how much I can spend
We start with the mortgage: we find out how much the bank can lend you before searching.
- I have a home to sell
We support the sale of your home and the purchase of the next one, so the dates line up.
How to buy a home, step by step
STEP 01Budget and mortgage
We work out how much you can spend and how much the bank can lend you.
STEP 02Search and viewings
We shortlist properties that match what you asked for and view them with you.
STEP 03Offer and CPCV
We negotiate the price and prepare the promissory contract (CPCV).
STEP 04Signing the deed
We support you until you receive the keys to your home.
What does buying a home cost on top of the price?
These costs are added to the price of the home. We work out the figures with you before you go ahead.
- UPFRONT PAYMENT
Deposit
With a mortgage, the bank usually lends up to 90% of the value. You pay the rest.
- TAXES
IMT
Property transfer tax (IMT). The rate depends on the price and on whether the home will be your main residence.
- TAXES
Stamp duty
0.8% of the purchase price. The mortgage is also subject to stamp duty, at its own rate.
- NOTARY AND REGISTRATION
Deed and registration
Fees for the notary or the Casa Pronta public service, and for registering the property in your name.
- BANK
Mortgage costs
Bank valuation, arrangement fees, and life and home insurance.
- GUIDE
Full guide to the costs
Each cost explained one by one, so you can plan your figures in good time.
Read the guide
Documents for buying a home
Most of them are for the mortgage application. We help you gather everything the bank asks for.
- Identity document
- Portuguese tax number (NIF)
- Residence permit (if applicable)
- Latest payslips
- Employment contract
- Portuguese income tax return (IRS) and assessment notice
- Recent bank statements
- Banco de Portugal credit report (Mapa de Responsabilidades)
Questions about buying a home
How much money do I need to buy a home?
- With a mortgage, allow for the deposit (usually 10% of the value) plus the taxes and costs of the purchase. We work out the figures for your case.
Can I buy a home if I'm not Portuguese?
- Yes. You need a Portuguese tax number (NIF) and a bank account in Portugal. Access to a mortgage depends on your situation, and we help you understand the options.
What is the CPCV?
- It is the promissory contract of sale (contrato-promessa de compra e venda). It sets the price, the deposit paid on signing and the deadline for the deed, and protects both buyer and seller until completion.
How long does it take to buy a home?
- Once you have chosen the home, the mortgage and the deed usually take a few weeks. We give you a realistic timeline at the start.
Who pays the estate agency's commission?
- It is normally paid by the seller. If there is any cost to you, it is agreed in writing before we start.
What support is there for young people?
- If you are 35 or under, you may be exempt from IMT and stamp duty on your first home and get a state guarantee on the mortgage. We check whether this applies to you.
Let's look for your home together.
Tell us what you're looking for. No obligation. Prefer to talk now? Call or send us a message.