With its sunny climate, scenic coastline, rich culture, and attractive property prices, Portugal continues to attract international buyers in search of second homes, retirement properties, or long-term investments. From Algarve villas to charming countryside homes and Lisbon townhouses, the Portuguese real estate market offers a compelling combination of lifestyle appeal and capital growth.
For UK and global clients, purchasing a house in Portugal is a sound investment—but one that requires careful planning and expert guidance. Fraser Bond supports international buyers throughout the process, ensuring a secure, efficient, and tax-aware purchase experience.
Compared to UK and Western European prices, Portugal offers significant value. Buyers can secure spacious, high-spec homes—often with land or sea views—at competitive prices. Combined with low living costs, world-class food, and a relaxed pace of life, Portugal is an ideal destination for relocation or long-term stays.
Portugal’s real estate market has shown consistent growth over the past decade, especially in Lisbon, Porto, and the Algarve. With year-round tourism and increasing international demand, the rental market remains strong, particularly for short-term holiday lets and long-term relocations.
Portugal offers attractive tax incentives for foreign residents, including the Non-Habitual Resident (NHR) regime, which can offer reduced income tax for up to 10 years. While the Golden Visa programme has recently evolved, select regions and investment types may still offer a route to residency or citizenship through real estate.
Portugal’s capital is a vibrant hub for business, culture, and education. While prices are higher, so is demand—making Lisbon ideal for long-term capital appreciation.
A perennial favourite with retirees and second-home buyers, the Algarve offers beachfront villas, golf communities, and excellent rental yield potential due to year-round tourism.
Portugal’s second city blends charm, affordability, and strong investment potential. It’s increasingly popular with digital nomads and younger buyers.
For those seeking authentic charm, lower property prices, and a slower pace, these regions offer countryside homes and scenic coastal properties ideal for lifestyle-led purchases.
Non-residents must obtain a Portuguese tax number (NIF) before purchasing. Engaging a local lawyer is essential to manage contracts, land registry checks, and tax filings.
Portuguese banks offer mortgages to non-residents, typically covering up to 70% of the property value. Fraser Bond connects clients with reliable financial institutions and mortgage brokers.
Buyers should budget for:
IMT (Property Transfer Tax): Scaled based on property price
Stamp duty (0.8%)
Notary and registration fees
Annual municipal property tax (IMI)
Fraser Bond’s international property service includes:
Strategic location and property selection
Coordination with trusted Portuguese agents and legal advisors
Mortgage and financing advisory for UK and global clients
Tax and structuring guidance (especially for NHR and cross-border scenarios)
Post-sale support, including rental management and resale services
Our goal is to make overseas property investment as seamless and secure as possible for our clients—whether it’s your first international home or part of a diversified portfolio.
A house in Portugal is more than a home—it’s a lifestyle investment with long-term value. Whether you're drawn by the Atlantic views, the vibrant culture, or the tax-efficient residency options, Portugal continues to offer international buyers exceptional opportunities.
Fraser Bond ensures that your journey into the Portuguese property market is well-informed, legally sound, and professionally managed from start to finish.
