Questions

Buying property as an expat is simple if you follow the key steps:

1. Prepare your documents

• Get your NIF.
• Open a Portuguese bank account.
• Gather identity & income proofs.

2. Property selection & offer

Unyk-Place helps you select properties (Lisbon, Algarve, inland) and negotiates the price.

3. Signing the CPCV

Deposit of 10–20 %. Deadlines, conditions and obligations are defined.

4. Final deed

You pay IMT, Stamp Duty and registration fees.

5. Support

Unyk-Place coordinates lawyer, bank and notary until key handover.

Depends on budget, goals and risk profile.

Lisbon

• High rental demand.
• Yields: 3.5%–5%.
• Strong capital appreciation.

Algarve

• Top tourist destination.
• Seasonal yields up to 7–8%.
• Ideal for holiday home + rental.

Other regions

• Lower prices.
• Higher yields but less liquidity.

At purchase

• IMT: 1–8%.
• Stamp Duty: 0.8%.
• Notary + registration: €1,000–2,000.
• Lawyer: 1–1.5%.
• Bank fees: file + insurance.

After purchase

IMI: 0.3%–0.45%.

Yes, non-residents are regularly financed.

Conditions

• Loan-to-value: 60–70%.
• Terms up to 30 years.
• Fixed, variable or mixed rates.

Documents

• ID.
• Proof of income.
• Bank statements.
• NIF.

Usually 6–10 weeks.

Timeline

• 1–3 weeks: checks + CPCV.
• 4–6 weeks: bank, notary, documents.

Yes, Portugal offers a stable and secure legal system.

Protections

• Well-regulated CPCV.
• Legal due diligence.
• Notarial deed.
• Official land registry.