The life of your investment
I am buying
Purchase tax, financing and the structure of the acquisition, before you complete.
ATLANTIC provides specialist mortgage advisory to non-residents acquiring property in Portugal. From assessing eligibility and preparing the application to liaising with Portuguese banks and supporting completion, we guide each client through the financing process with clarity, precision and personal attention.
We also advise on the taxes that apply on purchase, Property Transfer Tax (IMT) and Stamp Tax, and on the structure of the acquisition. If you are moving to Portugal, NHR and IFICI may also need to be considered before you buy.
Other stages
- I already own
Ongoing obligations, IMI and a named point of contact with Finanças.
- I let the property
Registration, reporting and tax on rental income.
- I am selling
Capital gains before completion, not after.
Property Tax Guides
Property Tax Guide 2026
A practical guide covering the key tax considerations for international investors, from acquisition and ownership to rental income and sale, in 2026.
Get the GuideRelated news
News for non-resident owners
The exceptions to the 7.5% IMT rate
The flat rate for non-resident buyers is not absolute. Three exceptions remove it, and two of them work by refund after completion.
NHR has closed. IFICI has a deadline.
The non-habitual resident regime no longer accepts new applicants. Its successor is narrower, and registration closes on 15 January.
A 10% rate on residential letting
Residential rents within the moderate limit are taxed at 10% instead of 25%, for income earned up to the end of 2029.