Services
Our Investor Services
Discover the services we offer, what sets us apart, and why so many clients choose us as their preferred property partner.
Looking to buy a house in Portugal? Whether it’s finding a property from our current portfolio that matches your lifestyle or investment goals, or exploring new opportunities, we’re here to help you navigate the real estate market with confidence and precision.
Our market research services transform complex data into clear, actionable insights, empowering you to make smart, informed investment decisions. Whether you’re a seasoned investor or a first-time buyer, we provide the critical market intelligence you need to stay ahead of trends, uncover hidden opportunities, and navigate the ever-evolving landscape.
How We Identify the Best Investment Options?
Real Estate Platforms
We utilize advanced property search tools, including multiple listing services (MLS) and reputable online platforms. These allow us to filter properties based on your preferences, access a wide range of listings, and stay updated on the latest opportunities in the market.
Local Connections
Our extensive connections within the local real estate community provide access to properties before they’re widely advertised. From property owners to agents and brokers, our network ensures that you have a competitive edge.
Partnership with Developers
We work closely with developers to bring you exclusive opportunities, such as new launches, properties under construction, and pre-sale deals. These partnerships often come with added benefits, like early-bird pricing and flexible payment options.
Private Listings
For those seeking unique or discreet opportunities, we source off-market properties—homes or investments not publicly listed. Negotiated through private channels, these opportunities provide exclusivity and access to rare gems that align with your specific needs.
We guide you through Portugal’s complex property regulations, ensuring you are fully informed about all the necessary legal requirements. With expertise in real estate law, we help you navigate potential challenges, making your investment journey smooth and legally compliant. For international investors requiring legal representation, we can act on your behalf, ensuring a seamless purchase process. With our comprehensive support, you can focus on maximizing returns while we handle the legal complexities.
How the Property Acquisition Process Works?
1. Due Diligence
This critical initial step involves an in-depth evaluation of the property to assess its commercial potential and associated risks. Key documents reviewed include:
- Property Registration Certificate
- Legal Description (“Caderneta Predial”)
- License of Use
- Housing Technical Sheet
- Energy Performance Certificate
- Floor Plans
- Lease Contracts or Deed of Horizontal Property
- Condominium Regulations (if applicable)
The primary objective is to confirm ownership, verify there are no encumbrances or liens, and ensure compliance with all licenses.
2. Promissory Contract of Purchase and Sale
After due diligence, both parties typically sign a Promissory Contract (preliminary agreement). This outlines:
- Deadlines for completing the definitive contract
- Payment terms and deposit arrangements
- Conditions for the sale
- Clauses for breach and penalties
This contract is non-binding but serves as a safeguard for both parties. It includes in-person certification of signatures to validate the agreement.
3. Public Deed of Purchase and Sale
The final step involves signing the Public Deed in the presence of a notary, officially transferring property ownership. After signing:
- The property is registered in the buyer’s name at the Land Registry.
- The notary or lawyer informs the Tax Authority of the transaction.
- The ownership transfer is finalized, ensuring legal compliance.
Embark on your property ownership journey in Portugal with confidence, supported by our premier financing options. Through an exclusive network of top-tier financial partners, we offer customized mortgage solutions to meet your unique needs.
Whether you’re a first-time buyer or an experienced investor, our partners provide competitive rates, personalized service, and seamless transactions to simplify your journey.
Key Lending Standards in Portugal
As a foreign investor, it’s important to understand the measures established by the Bank of Portugal to encourage responsible lending practices:
- LTV (Loan-to-Value Ratio): The LTV ratio measures the loan amount compared to the lesser of the property’s purchase price or appraisal value. LTV is ≤ 90% for primary residences and ≤ 80% for other properties or non-primary residence loans. Non-residents can expect an LTV of 80%.
- DSTI (Debt Service-to-Income Ratio): This compares monthly loan repayments to the borrower’s net income, with a standard limit of ≤ 50%, subject to certain lender exceptions.
- Maturity Limits: Loan terms are capped at 35 years for borrowers over 35 years of age, ensuring manageable repayment plans.
How to Apply for a Mortgage as a Foreign Investor?
You have two primary options when applying for a mortgage in Portugal:
- Contact Multiple Banks Directly: Request financing proposals from different institutions to compare options.
- Work with a Mortgage Broker: A broker will manage the entire process, from research to negotiation, saving you time and effort.
Why Work With a Mortgage Broker?
1. Access to a wider range of products
One of the key mortgage broker benefits in Portugal is access to a broad spectrum of lending institutions, such as banks, credit unions, and private lenders. This gives borrowers a wider selection of loan programs, interest rates, and repayment terms, ensuring flexibility to find the best mortgage to suit their needs. For example, a broker can help you navigate options like the Portugal Golden Visa mortgage or find the best Portugal mortgage rates for foreigners.
2. Understanding Foreign Clients
For expats, getting a mortgage in Portugal can be complex due to different regulations and documentation requirements. A broker who specializes in expat mortgage Portugal understands the unique challenges faced by international clients and can streamline the process, ensuring a smoother experience for those buying property from abroad.
3. Negotiating power and better terms
An overseas mortgage broker in Portugal often has established relationships with multiple lenders, giving them the power to negotiate better terms on your behalf. This could result in more favorable Portugal mortgage rates, reduced fees, and flexible repayment options, potentially saving you money over the life of your mortgage.
4. Time-saving
The process of getting a mortgage in Portugal involves multiple steps, from researching rates to handling paperwork. By working with a broker, you save valuable time as they manage these tasks for you. They can quickly compare Portugal mortgage rates, terms, and conditions, providing you with the most suitable options without the hassle.
5. No additional costs
Typically, in Portugal, mortgage brokers are compensated by the lending institutions, meaning there are no extra fees for you as a borrower. This makes using a broker a cost-effective choice, as you gain access to their expertise and wide network of lenders without incurring additional costs.
Discover the ultimate in property management through our exclusive partnerships with top-tier professionals. Our handpicked partners are dedicated to delivering seamless, hassle-free property management that maximizes your investment’s potential. From maintenance and tenant relations to financial oversight, we handle every detail with precision and care.
When purchasing a property abroad that you don’t intend to live in permanently, the first question to consider is how you are going to manage it remotely.
How to Manage my Property While Abroad?
Touristic Property with Professional Management
If you invest in a vacation or short-term rental property, many properties come with professional management services. These services handle bookings, maintenance, and guest relations, ensuring your property runs smoothly in your absence.
Self-Managed Residential Property
If you buy a residential property, you can choose to manage it yourself. While cost-effective, this option can be challenging, especially if you’re frequently away or unfamiliar with local regulations and maintenance needs.
Hiring a Property Manager
For those who purchase their dream property or want a hands-off investment, hiring a professional property manager is the ideal solution. These experts take care of everything, from maintenance to tenant relations, helping you optimize returns and enjoy peace of mind
Why Work with a Property Manager?
As a property owner, your investment is valuable, and working with a professional property manager ensures it is cared for while maximizing your returns. Here’s why partnering with a property manager is a smart choice:
1. Save Time and Reduce Stress
Managing a property can be time-consuming and challenging, especially if you have multiple properties or live far away. A property manager handles the day-to-day responsibilities, from tenant communications to maintenance, allowing you to focus on other priorities.
2. Maximize Rental Income
Property managers have in-depth knowledge of the local market. They can set competitive rental rates, ensure your property is continuously occupied, and suggest upgrades or improvements that increase its value and appeal.
3. Professional Maintenance and Repairs
A property manager coordinates regular maintenance and promptly handles repairs, ensuring your property remains in excellent condition. They work with trusted contractors to get quality work done at competitive rates, saving you time and money.
4. Legal Compliance
Property managers are well-versed in local laws and regulations, ensuring your property complies with all legal requirements. They handle difficult situations, like evictions, with professionalism, reducing your legal and financial exposure.
5. Consistent Occupancy
Vacancies cost money. A property manager proactively markets your property, ensuring it attracts tenants quickly. Their experience reduces turnover rates by maintaining good tenant relationships and addressing issues promptly.
