“Excellent service! They helped me find a wonderful apartment in Setúbal quickly, and then sort out the electricity and water contracts. I highly recommend the team!”
Simply
4.9We’ll find the right property for you in Portugal.
We cover the entire market
AMI licence 22515 · 20 properties matching your brief within 2 hours · Mortgages and cryptocurrency transactions
DISCUSS YOUR PURCHASEBUYING PROPERTY IN PORTUGAL
Buying property in Portugal is simple with us!
01NO RESIDENCE PERMITNOT REQUIRED
Portugal places no restrictions on foreign nationals owning property.
02NOT SURE WHERE TO BUYWE’LL COMPARE LOCATIONS
We’ll identify the areas that best match your budget, purchase goals and lifestyle.
03NO PORTUGUESE BANK ACCOUNTPAYMENT WITH CRYPTOASSETS
The purchase can be completed without opening a Portuguese bank account: the transaction is processed through Luso Digital Assets, a virtual-asset service provider registered with Banco de Portugal. Source-of-funds checks and KYC apply; terms depend on the specific transaction.
04UNABLE TO TRAVELPURCHASE BY POWER OF ATTORNEY
The property search and purchase can be completed remotely.
05NO WARRANTY FROM A PRIVATE SELLERUP TO 10 YEARS FROM A PROFESSIONAL SELLER*
До 10 лет ответственности за дефекты при покупке потребителем у продавца, действующего в рамках профессиональной деятельности: 10 лет для конструктивных элементов и 5 лет для остальных несоответствий.
* This regime applies when a consumer buys from a professional seller: 10 years for structural elements and 5 years for other non-conformities.
PDF · UPDATED REGULARLYNEW PROJECTS IN PORTUGAL
PORTUGAL NEW-BUILD CATALOGUE
We will send you an up-to-date selection of projects with prices, completion dates and available layouts.
WHAT WE DO AND WHY IT IS FREE
One team on the buyer’s side
ARR searches the whole market, compares terms and coordinates checks and negotiations. The buyer pays us no separate fee: after completion, our remuneration is paid by the seller or developer.
€0paid by the buyer
How payment works
Our fee is defined by an agreement with the specific seller or developer and is not added to the advertised property price.
How we differ
The listing agent represents the owner. ARR supports the buyer and does not limit the search to its own listings.
If nobody pays us for a particular property, we will still show it to you and tell you in advance.
AMI 22515 · Allianz liability cover €150,000 · whole-market search
ARR PORTUGAL CASE STUDIES
Property in Portugal is within your reach
Three very different briefs, from investment to relocation. In each case we found a solution that matched both the numbers and the client’s way of life.
01Investor from Russia with no fixed briefAndo Living · 6% yieldClose
€350K–€1Mbudget range
6%guaranteed yield
14 nightsannual voucher
OBJECTIVE
Find an income-producing property with no operational burden, while retaining the option to use it as a second home.
OPTIONS CONSIDERED
Development plots with approved projects, redevelopment opportunities, buildings for refurbishment and serviced tourist apartments.
RESULT
The client chose an Ando Living apartment: a guaranteed 6% annual return, unrestricted owner stays and 14 nights per year at hotels within the network.
02Russian couple — IT professionals and kitesurfersHouse by the lagoon · mortgage · €488KOpen
112options in the shortlist
≈30viewings
€488Kfinal price
OBJECTIVE
A detached house with a pool and a small plot near Lagoa de Albufeira. Their zero-deposit youth mortgage application was declined.
SOLUTION
Our credit intermediary secured approval from Caixa using proceeds from the sale of an apartment in Russia as the deposit. The budget increased to €500K.
RESULT
A single-storey, energy-efficient three-bedroom home built in 2023 in São Martinho do Porto, five minutes from the lagoon. We negotiated the price down to €488K.
03A new chapter for a client aged 60+T1 at Distrikt · €519K · 6 weeksOpen
€519Kapartment price
T1layout
6 weeksto completion
OBJECTIVE
A mortgaged apartment for a move to Lisbon: no aircraft noise, an attractive view and a layout compatible with her personal feng shui chart.
CHALLENGE
The client’s age and Ukrainian income made financing more challenging. We viewed options in Carcavelos, Belém, Odivelas and Parque das Nações.
RESULT
Our credit intermediary secured UCI approval. She chose a T1 apartment at Distrikt that met every requirement; completion was scheduled within six weeks.
Oleg Zharov
Residential and commercial property specialist
Do you have a similar brief?
Let us discuss the next step and find a solution that fits your goals, budget and lifestyle.
AFTER THE FREE CONSULTATION, YOU WILL HAVE
A realistic budget including taxesSuitable areas and property typesA transaction roadmap and mortgage scenarioA document checklist and clear next steps
By clicking “Get a consultation”, you consent to the processing of your personal data in accordance with the Privacy Policy.
CLIENT REVIEWS
What our clients say about buying with ARR
“Everything moved very quickly with Andrei’s help. We found a solution for my complex case.”
“A very professional team. Everything went perfectly. Highly recommended.”
MARKET · AUGUST 2026
Property prices in Portugal
Latest Idealista index: median asking prices and residential market movement across Portugal.
Portugal · median asking price€3 207 /m²
≈ €320 700 — guide price for a 100 m² property
+7.5%over 12 months
+0.3%over 3 months
−0.1%over 1 month
12-MONTH TREND
Сентябрь 2025 — август 2026, €/m²
SEP 2025DECMAR 2026JUNAUG
€2 993/m²September 2025€3 207/m²August 2026
REGIONAL OVERVIEW
Asking price and annual change
Lisbon metropolitan area€4 457+5.0%
Algarve€4 202+8.7%
Madeira€3 796+9.0%
North€2 623+7.4%
Alentejo€2 172+14.0%
Azores€2 080+12.4%
Centre€1 773+14.1%
What this means for buyers now
The market remains well above last year, while short-term movement has almost levelled off. Buyers can compare calmly and negotiate selectively rather than rush.
Source:Idealista, August 2026. The index reflects asking prices, not final transaction prices. Idealista has used an updated methodology since July 2026.
COSTS · 2026
Property purchase costs
One-off taxes and mandatory purchase costs, shown through a clear example using current rates.
HOW MUCH TO ADD TO THE PROPERTY PRICE
Example: a €500,000 home in mainland Portugal, without a mortgage and with one registration act.
Tax resident · primary residence≈ €30.6Kоколо 6.1% сверх цены
Non-resident≈ €41.9Kоколо 8.4% сверх цены
IMT for the resident in this example≈ €26 237
IMT for the non-resident7.5% · €37 500
Purchase stamp duty0.8% · €4 000
Casa Pronta€375
With a mortgage: stamp duty on the loan is usually 0.6% for terms of five years or more, while Casa Pronta with several registration acts costs €700.
Что платит собственник
Основной обязательный налог — IMI. Он рассчитывается не от цены покупки, а от налоговой стоимости объекта VPT.
Пример: VPT €300 000€900–1 350 / годIMI 0,3–0,45% · €75–112,50 в месяц в пересчете
IMI для городских объектов0,3–0,45% VPT
AIMI: необлагаемый порог€600K / €1,2M
AIMI сверх порога0,7–1,5%
Кондоминиум, страховка, содержаниеиндивидуально
Important: порог AIMI считается по суммарному VPT жилых объектов и участков под застройку: €600 000 для физлица или €1,2 млн при совместном налогообложении супругов.
Indicative calculation. IMT depends on buyer status, property use and value; the taxable base is the higher of the transaction price and VPT. Sources:Portal das Finanças · IMT, Casa Pronta.
2-MINUTE BRIEF
What kind of property are you looking for?
Answer three questions and we will prepare the starting point for a personalised whole-market shortlist.
TRANSACTION AND SUPPORT
How the purchase works
A step-by-step view of what happens in the transaction and what ARR handles at each stage.
What happens in the transactionWhat ARR does
Goal and financial scenario
Budget, purchase goal and payment method are defined.
We run a 45-minute briefing, calculate the budget including taxes and pre-assess the mortgage scenario.
Whole-market shortlist
A focused shortlist is prepared for comparison.
Within 1–2 business days we shortlist about 20 options, including partner and off-market properties. We then update the shortlist daily as new properties come to market.
Viewings
The property, surroundings and fit with the brief are assessed.
We arrange an efficient route or video viewings and explain each option’s trade-offs.
Offer and reservation
Price and terms are agreed; the property is reserved after offer acceptance.
We prepare the offer, negotiate and check the reservation payment and refund terms.
Due diligence
Title, charges, licences and technical condition are checked.
We coordinate the lawyer and technical inspection before irreversible commitments arise.
CPCV and mortgage
The promissory contract is signed, the deposit paid and financing completed where applicable.
We align CPCV terms with the lawyer, coordinate the bank and monitor deadlines.
Completion and registration
Taxes are paid, the deed is signed and ownership is registered.
We coordinate the notary appointment, attend completion and help with handover and utilities.
MORTGAGE FINANCE
Mortgage through a registered credit intermediary
Segredos Prósperos, Unipessoal Lda., trading as ARR, is registered with Banco de Portugal as a tied credit intermediary under no. 0009825.
Banco de Portugal · No. 000982501
We prepare your mortgage application
We help gather the documents and prepare the application to meet the lender’s requirements.
02
We work with partner banks
We submit the application to contracted lenders and help you compare the terms received.
03
We support you through approval and completion
We coordinate communication with the bank; the lender determines approval and loan terms.
No fee for the client. ARR does not charge the consumer for credit intermediation; remuneration is paid by the partner bank.
REGISTRATION AND MANDATORY DISCLOSURES →MORTGAGE · INITIAL ASSESSMENT
WHAT MORTGAGE COULD YOU QUALIFY FOR?
We will assess your situation and outline a realistic financing scenario before the property search begins.
Frequently asked questions
Buying property in Portugal: the essentials
Concise answers to the questions that most property searches begin with.
01How much does property cost in Lisbon, Porto and the Algarve?
LISBON · CITY€6 227/m²≈ €623 000 за 100 m²
PORTO · CITY€4 324/m²≈ €432 000 за 100 m²
ALGARVE · REGION€4 202/m²≈ €420 000 за 100 m²
This is a broad market benchmark. The price of a particular property depends on its neighbourhood, condition and year of construction, view, size, parking, infrastructure and stage of development.
Source: Idealista, August 2026. These are median asking prices, not final transaction prices.
02Can a foreign buyer purchase property without a residence permit?
A residence permit is not required.
03How should I choose a city and neighbourhood?
We start with the goal: permanent residence, a second home, rental income or capital growth. We then match the budget with transport, schools, proximity to the coast and airport, noise levels, liquidity and rental rules. This produces a focused shortlist of locations that genuinely fit your plans.
04How does the purchase work and which documents are checked?
The usual process is: briefing and financial plan → shortlist and viewings → offer → legal and technical due diligence → CPCV promissory contract → payment of taxes → final deed and registration. Before any binding commitment, the owner, charges, land registry and tax documents, licences and the property’s actual condition are checked.
05Can I buy property remotely?
Yes. The search, video viewings, document checks and negotiation of terms can all be handled remotely. Completion may be signed by a representative under a properly executed power of attorney; its scope and form should be agreed in advance with the lawyer and notary for the specific transaction.
06Can non-residents get a mortgage, and can cryptoassets be used?
Portuguese banks consider applications from residents and non-residents. The decision depends on income and its currency, age, credit history, the source of the deposit and the property itself. ARR is registered with Banco de Portugal as tied credit intermediary no. 0009825 and helps prepare applications for partner banks.
Cryptocurrency transactions are arranged through Luso Digital Assets, a virtual-asset service provider registered with Banco de Portugal. Before an offer is made, we verify the source of funds, KYC and the payment structure.
07Which taxes and costs should I budget for?
При покупке учитывают IMT, гербовый сбор с приобретения 0.8%, регистрацию, юридическое сопровождение и, при ипотеке, банковские расходы и отдельный гербовый сбор с кредита. После покупки возникают ежегодный IMI, кондоминиум, страховка, коммунальные платежи и содержание. Точный расчет зависит от цены, назначения объекта, статуса покупателя и параметров кредита — его лучше сделать до выбора недвижимости.
08How do I know whether a property is suitable as an investment?
We calculate net rather than headline yield, after taxes, vacancy, management, repairs and maintenance. We also assess rental demand, resale liquidity and property-specific restrictions. We then compare long-term or tourist rentals, new builds, refurbishment and redevelopment to identify the scenario that matches the investor’s horizon, risk profile and objective.
YOUTUBE · NEWS FROM ARR
Our Portugal news — on YouTube
The ARR team covers legislation, the property market and the country’s main developments — clearly and to the point.
10 000+subscribers
100+episodes
1 000+stories
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