Desk notes
Guides for a Portuguese purchase
Not a blog farm. Short notes that match what the product already shows: parish medians, occupancy haircuts, and the limits of a listing card.
Tax
IMT, IMI and stamp duty (Imposto do Selo) explained
The three property taxes a buyer meets in Portugal: what each one taxes, the 2026 IMT bands for mainland Portugal, the 0.8% stamp duty and the municipal IMI range.
Getting started
Getting a NIF (Portuguese tax number) as a foreigner
You need a NIF before you can sign for a property, open a bank account or pay IMT. How non-residents apply, which documents AT asks for, and when you need a fiscal representative.
Buying
Buying property in Portugal: the steps for foreigners
From NIF to deed and registration: the usual order of a Portuguese purchase, what is taxed when, and which checks are worth paying for.
Investing
Why gross yield isn't cash flow
A 6% gross yield on a listing tells you little about what lands in your account. The costs between the two, with the official tax rates that apply, and a worked example.
Financing
Mortgages in Portugal for non-residents
Banco de Portugal's 2026 lending limits (LTV, DSTI and maximum term), what they mean if you live abroad, and the stamp duty a mortgage adds.
Residency
Portugal's Golden Visa in 2026: property no longer qualifies
Since the Mais Habitação law of October 2023, buying property no longer leads to a Portuguese Golden Visa. The investment routes AIMA still lists in 2026, and what happened to existing holders.
Tax
NHR and IFICI: Portugal's tax regimes for newcomers
The old Non-Habitual Resident (NHR) regime is closed to new entrants. Its replacement, IFICI (sometimes called 'NHR 2.0'), offers a 20% flat rate on qualifying work income for 10 years, but only for specific activities.
Investing
Alojamento Local (AL): short-term letting licences in 2026
To let a Portuguese property to tourists you need an AL registration. The rules in DL 128/2014, what Mais Habitação changed in 2023, and what DL 76/2024 reversed and handed to municipalities.
Tax
IMI rates by concelho: Lisbon, Porto, Algarve (2025 table)
The official urban IMI rate each municipality set for 2025 (billed in 2026), for the districts of Lisboa, Porto and Faro, straight from the Portal das Finanças table.
Buying
Buying property in Portugal: a checklist
A printable checklist of the steps and documents in a Portuguese purchase, from NIF to registration, with the official source for each tax step.