For buyers · Portugal

Buying property in Portugal, made personal.

Buying in Portugal as an international client means new taxes, unfamiliar paperwork and a different legal system. I handle all of it with you, across the Golden Triangle, Lisbon, Cascais and Sintra, from the first viewing to the keys in your hand.

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Portrait of Natalie Gutman

The process, A-Z

Buying a home in Portugal, end to end.

Every step handled, including the documentation, financing and legal work most buyers worry about. You're never left to navigate the Portuguese system alone.

  1. 01

    Search & shortlist

    We define your brief and budget, then I bring you the right places, on-market and quietly off-market, and tour them with a local's eye.

  2. 02

    Offer & reservation

    I negotiate the price and terms, then we sign the promissory contract (CPCV) and place the deposit, with the paperwork checked before you commit.

  3. 03

    Financing & setup

    Need a mortgage? I connect you with trusted brokers and banks, and get your NIF and Portuguese bank account in place so funds are ready on time.

  4. 04

    Due diligence & legal

    Title checks, Caderneta Predial, licences and energy certificate, coordinated with your lawyer so nothing nasty surfaces after you own it.

  5. 05

    Deed (Escritura)

    We sign at the notary, pay IMT and Stamp Duty, and transfer the funds. I'm beside you, or sign on your behalf by power of attorney if you can't be there.

  6. 06

    Keys & settling in

    Land-registry update, utilities, and the local introductions that turn a transaction into a home. I'm still a phone call away long after closing.

Want the numbers first? Run your purchase costs in the property calculators.

Free guide

How to buy property in Portugal.

A practical guide for international buyers, eight chapters covering everything from regional opportunity to closing day, written from years of walking clients through the process.

  • A region-by-region tour, North, Central, Algarve, plus the Golden Triangle (Lisbon · Cascais · Sintra).
  • The truth about the Golden Visa in 2025, and what to do instead.
  • NIF, banking and the paper trail compliance teams actually look for.
  • The 6-document due diligence checklist, Escritura, Caderneta Predial, Alvará and the rest.
  • IMT, Stamp Duty and IMI, exact tax bands and the hidden closing costs.
  • The buying journey, step by step: CPCV → Escritura → Land Registry.

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Why work with me

Calm, careful, and on your side.

The negotiator's edge

Years as a fashion-industry Buyer in Israel taught me high-stakes negotiation. You won't overpay on my watch.

Data-driven consulting

I look past the staging. ROI, market appreciation and long-term value matter more than what photographs well.

Local since 2019

I moved my own family to Cascais. I know the schools, the streets and the trade-offs, because I made them too.

A 360° perspective

The right neighborhood, the right paperwork, the right fit for your life, bureaucracy and culture, handled together.

Kind words

From buyers who now call Portugal home.

"Natalie made buying our home in Cascais feel almost easy. She caught issues our lawyer missed and was always two steps ahead."

Anna & Marc

Moved from Berlin · 2024

"I'd been looking on my own for a year. Two months with Natalie and we'd closed on the right place, at a fair price."

David R.

Moved from Tel Aviv · 2023

"Honest, patient and genuinely lovely. She talked us out of a bad deal, which is how we knew she was the real thing."

Sarah C.

Moved from London · 2025

Common questions

Buying in Portugal, answered.

Can foreigners buy property in Portugal?

Yes, and on the same terms as locals. Portugal puts no restrictions on foreign ownership, EU citizen or not. You'll need two practical things: a Portuguese tax number (NIF) and a local bank account. I help clients line both up early, so nothing stalls near the finish.

Do I need to be in Portugal to buy a property there?

No. Plenty of my clients buy before they've moved a single box. With a power of attorney I can handle the signing on your behalf, and I arrange viewings and due diligence around your travel, or walk you through them on video when you can't fly in.

What is Portugal's Golden Triangle?

It's the stretch of coast and hills just west of Lisbon, Lisbon, Cascais and Sintra. It's where I live and work, and it draws international buyers for the same reasons I stayed: an English-speaking community, good schools, a mild climate, and property that holds its value.

Can I still get a Golden Visa by buying property in Portugal?

No, that route closed in 2023, despite what some out-of-date articles still claim. Buying residential property no longer qualifies you for the Golden Visa. Other residency paths are still open, though, and I break down the current options, and the common traps, in the free guide.

What does it cost to buy property in Portugal?

Beyond the price itself, budget roughly 6-8% for taxes and fees, IMT transfer tax (on a sliding scale), Stamp Duty, and notary and land-registry costs, plus annual IMI once you own. I give every client the full number up front, so closing day holds no surprises.

Why use a buyer's agent instead of contacting listing agents directly?

Because the listing agent works for the seller, not for you. As your buyer's agent, I'm only ever on your side of the table: finding the right places, catching problems in the paperwork, and negotiating hard on price. For a buyer new to Portugal, that's the difference between hoping and knowing.

Contact

Already looking? Let's talk.

If you're closer to buying than browsing, skip the guide and reach out directly. I read every message myself.

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