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Purchase  & Mortgage Costs

Understanding the various costs associated with purchasing property in Portugal is essential for prospective buyers to plan their budgets effectively and navigate the transaction process smoothly.

Property Transfer tax: IMT ("Imposto Municipal sobre Transmissões")

IMT, short for Imposto Municipal sobre Transmissões Onerosas de Imóveis, is the Portuguese Municipal Property Transfer Tax. This tax is levied on the transfer of property ownership and applies to both residential and commercial real estate transactions. IMT rates vary depending on factors such as the property's value, location, and whether it is being purchased as a primary or secondary residence. It's an important consideration for anyone buying or selling property in Portugal, as it can significantly impact the overall cost of the transaction.


Notary Fees

Notary Fees Varies by deed (approx. EUR 350.00 per deed).


Legal Fees

Legal Fees Recommended to engage a legal representative. Fees vary.


Mortgage Stamp Duty

Mortgage Stamp Duty 0.60% of the final loan amount.



Bank Fees for Mortgage

Bank Fees for Mortgage Varies by lender and loan amount. Details provided in mortgage proposal document

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