Property Purchase Process

Buying a home in Portugal can feel like a big leap - especially if you’re doing it from abroad. The good news is the process is clear, and with the right people around you, it can be calm and straightforward.

At ACPS Real Estate (Property by Calvin), we’ll guide you step by step with a gentle, no -pressure approach - and we’ll always recommend that your purchase is handled and checked by an independent lawyer.

Want a quick chat about your plan and timeline? Message Calvin on WhatsApp or Contact Us.

Step 1: Start with a licensed estate agent (and verify it)

In Portugal, real estate agencies should be properly licensed. A reputable agent will be transparent about their credentials and the paperwork used throughout the process.

You can also read more about our credentials and professional membership here: Our licence and professional membership (AMI and APEMIP).

Step 2: Choose an independent lawyer (advogado) or solicitor (solicitador)

When you’re ready to move forward, appoint a lawyer to represent your interests and carry out the legal checks. Many legal professionals in Portugal speak excellent English.

If you’re buying from overseas or can’t be present for every signature, your lawyer may be able to act for you via Power of Attorney.

Step 3: Get your NIF (Portuguese tax number) and open a bank account

A key early step is obtaining a fiscal number called the Número de Identificação Fiscal (NIF). You’ll need a NIF for:

• Signing contracts

• Paying taxes and fees

• Opening a Portuguese bank account

Your lawyer can advise on the fastest route for your situation.

Step 4: Find the right property and make an offer

Once you’ve narrowed down areas and property types, you’ll view homes and make an offer when you’re ready.

This is where local guidance matters most - not just on the property itself, but on the lifestyle, the neighbourhood, access to amenities, and what will suit your day-to-day life.

Step 5: Sign the Promissory Contract (CPCV)

The Contrato de Promessa de Compra e Venda (CPCV) is the promissory contract. It sets out the terms of the sale, including:

• The agreed price

• The timeline and deadlines

• The conditions of the sale

• The deposit amount

It’s a legally binding document and should be drafted and reviewed by your lawyer.

A deposit is usually paid at this stage. The amount can vary depending on the deal—often in the region of 10–25%.

Step 6: Due diligence (legal checks)

After the CPCV, your lawyer will carry out due diligence to ensure the property is legally safe to buy. This typically includes checks such as:

• Ownership and registration details

• Any liens, charges, or legal restrictions

• Boundaries and documentation

• Outstanding taxes, utilities, or compliance issues

This stage is designed to protect you and avoid surprises.

Step 7: Complete the final deed (Escritura) and register ownership

The final step is the Escritura de Compra e Venda (final deed), where ownership officially transfers to you. This is signed in an official setting (often with a notary), and the purchase is then registered at the Land Registry.

Once this is complete, you’re the legal owner.

What fees should you expect?

Costs can vary depending on the property price, your situation, and the structure of the purchase. For a clear explanation of the main taxes and typical buying costs, read our guide here:

2026 guide: IMT and fees explained

Want help planning your next steps?

If you’d like a calm, straightforward conversation about areas, budgets, and timelines, Calvin is happy to help.

• Message Calvin on WhatsApp

• Or reach us here: Contact Us