Guides

Buying & Living in Portugal

Everything you need to know about buying property, moving to Portugal, and settling into life on the south bank — in plain English.

Where to start

Clear answers to every question buyers ask us

Buying property in Portugal involves a lot of moving parts — tax numbers, legal paperwork, mortgages, residency, and a whole new way of life. The good news is that none of it is particularly complicated once you understand how it fits together.

These guides break it all down step by step. Read them in order if you're at the start of the journey, or jump to the topic you need next. We update them whenever the rules change — so what you read here is always current.

Buying & Legal

The property purchase

Costs, paperwork, and the practical steps from offer to keys.

Buying Costs Explained

Every cost involved in buying property in Portugal — IMT, stamp duty, legal fees, notary, and what to budget for.

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NIF Portugal

Your Portuguese tax number through the full property lifecycle — getting it, buying, annual taxes, rental income, fiscal representation, and selling.

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Mortgage Guide for Foreigners

LTV ratios, interest rates, documents, bank options, and the full approval timeline for non-residents getting a mortgage in Portugal.

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CPCV — Promissory Contract

The binding contract that locks in your purchase before the deed. Deposit rules, timeline, and traps to avoid.

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The Escritura — Final Deed

What happens at the notary on deed day. Funds, signatures, registration, and the moment the property becomes yours.

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Property Due Diligence — The Process

How due diligence is sequenced: the timeline, the people involved, the costs, and what happens when something doesn't match. The buyer's process guide.

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Key Property Documents

A document-by-document checklist: the four mandatory legal documents (LU, CE, CPU, CRP) plus the conditional Ficha Técnica — what each one says and what to verify.

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Buying Off-Plan

Staged payments, completion risk, IMT timing, and the contract protections every off-plan buyer should know about.

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Alojamento Local (AL)

Short-term rental licensing in Portugal. Where AL is restricted, how to apply, the recent rule changes, and what happens when you buy.

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Capital Gains on Selling

The exit cost story. CGT for residents and non-residents, the inflation adjustment, the reinvestment exemption, and how to plan.

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Relocation

Moving to Portugal

Visas, residency, banking, and the admin of relocating.

Living in the Margem Sul

Day-to-day life

Schools, transport, festivals, and what makes life on the south bank tick.

Where Is the Margem Sul?

Geography of the south bank in plain English — the nine municípios, how each connects to Lisbon, and what foreign and local buyers trade by crossing the river.

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Summer Festas & Local Events

The festivals, markets, and celebrations that bring the Margem Sul to life from June to September.

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Schools in the Margem Sul

International schools, Portuguese colégios, forest schools, and the public system — honest advice on what works at every age.

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Getting Around

Transport on the south bank — ferries, trains, light rail, and buses. How to get around without (or with) a car.

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Margem Sul Beach Guide

Every beach on the south bank. Costa da Caparica, Sesimbra, Arrábida, Meco — character, surf, family-friendliness, parking.

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Wine of the Setúbal Peninsula

Moscatel de Setúbal, the Castelão grape, family wineries, and where to taste across Azeitão, Palmela, and the Arrábida.

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Arrábida Natural Park

Hiking trails, dramatic viewpoints, beach walks, and the most beautiful landscape within an hour of Lisbon.

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Day Trips From the Margem Sul

Lisbon, Sintra, Évora, Comporta, Tróia — the best day trips from your south bank base.

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Sports & Activities

Golf at Aroeira, surf in Caparica, kitesurf at Lagoa de Albufeira, sailing from Sesimbra, climbing in the Arrábida — and the daily gym scene.

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Family Activities

The best things to do with kids on the south bank. Family beaches, water parks, animal places, museums, cycling routes, and rainy-day options.

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History of the Margem Sul

Phoenicians, Moors, the Discoveries, the 1755 earthquake, the industrial era, and the modern transformation of the south bank.

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25 April in the Margem Sul

The Carnation Revolution explained — what happened, the south bank's role, and how Liberdade is still celebrated here today.

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