Moving to Portugal in the next 2-4 months?

  • We will find a house for you (or help to close the deal of the house you already chose)
  • We will find you the best mortgages and insurance conditions
  • We will be by your side at the moment of the deed
Avoid unpleasant surprises and get free expert advise with Legal Requirements, Financial Support, Hidden Costs and more.

Moving to Portugal in the next 2-4 months?

  • We will find a house for you (or help to close the deal of the one you already chose)
  • We will find you the best mortgages and insurance conditions
  • We will be by your side at the moment of the deed
Avoid unpleasant surprises and get free expert advise with Legal Requirements, Financial Support, Hidden Costs and more.

"No matter what country you go to, you will first have an image of it in your mind. What you experience when you spend time there will almost be quite different from you had imagined"

We hear this more often than we would like to.

Portugal meets all the conditions to be your dream country, but it is really important (and we can't advise
this enough) that everything is planned to the detail.

We don't have enough fingers to count how many times people come to us to get a house in Lisbon and
couldn't do it because they didn't meet the conditions required.

But it’s not their fault. Portuguese Real Estate platforms were not made to be foreign-friendly.

They can be confusing.

And confusion starts when they started searching for Portuguese real estate platforms and they get misled
in the middle of all the different information.

Here is a curiosity: Did you know that photographs used in the real estate platforms
are not always the real photos of the property?

"I went to check on an apartment with a terrace and when I got there I only got a 2 square meter balcony"

- unhappy person that talked to us after tremendous disappointment.
This happens because when an agent has several flats in the same building, it is common (more than
than it should) to use the same photos for all the flats.

But the process can be rather more confusing.

Taxes, fees, loans, credits, legal requirements, language barrier, hidden costs, houses that are not what they seem...

It's a matter of time before confusion takes over and for you to lose track of what's happening.

Do you really want to let that happen? In the next big step of your life?

If you choose Portugal, you probably want to runaway from stress, right? Not just find a new kind of it.

Plan this next step
to the detail

If we could, we would tell you this a hundred times.

Get Expert Advise. Get Access to Information.

Get someone who can guide you, and most important, can do it in english.

There’s Portuguese consultants that do that FOR FREE.
They plan everything to the slightest detail to make sure you get what you expect.

They help you from the day you are looking for your home until the day of signing the deed.

"I always dreaded bureaucracy and paperwork! Algamor made all that go away! They took care of everything."

Shannen McGrath

Let us introduce you Algarmor

Algarmor gathered all the created a process thinking specifficaly on foreigners that look to buy a home in Portugal.

A process that will make your life 10x easier.

A process completely done in English.

A process that will keep you informed at all times.

A process that will get you the living that will meet your expectations.
Easy Access to Information
Taking care of the bureaucracy for you doesn’t mean we don’t inform you about all details during the process.
Informations about the buying process, legal requirements, taxes, fees, property listings are just a phone call away.
We also do informational sessions to provide you relevant info.
Full english support
Forget embarrassing situations where you will try to explain one thing and nobody understands you.
Forget negotiating bad deals, bad finance rates and miscommunication’s  of the legal requirements involved.
We have a experts fully prepared to advise you in English at all times.
Financial Support
We'll find the perfect mortgage conditions for your dream home in Portugal.
We have protocols and privileged connections with most of the portuguese major Banks and Financial Institutions, as well as Insurance Companies.
This give us the tools to better defend your interests and provide you best financial solutions.
Local Market Knowledge
We have experienced team members who can advise and help you on properties, providing you detailed information about them as well as photos and videos, so you’re sure you’re making a good deal. 
Free Service
May sound too good to be true but there’s a reason. We are still paid for our services, just not by you.
Our fees are payed by the banks and insurance companies.

Know the easy, smooth hassle-free process that will make your life 10 times easier

How it works

01

We conduct the search for you

Our team is dedicated to conducting a thorough search to find the perfect villa, apartment, or plot of land to meet your unique needs and preferences.

Trust us to make your property search in Portugal as smooth and stress-free as possible.

02

Property Listings

We take pride in pre-selecting properties that are tailored to your specific needs and preferences. 

This ensures that your valuable time is not wasted visiting properties that do not meet your expectations, allowing you to focus on only the most suitable options for your dream home.

03

We schedule the visits with you!

Avoid the frustration of travelling all the way to Portugal on purpose just to find the real estate agent canceled or show up late by choosing us.

We offer pick-up and accompanying services for property viewings. If you can't make it, we can even videotape the properties and send them to you.

01

We conduct the search for you

Our team is dedicated to conducting a thorough search to find the perfect villa, apartment, or plot of land to meet your unique needs and preferences.

Trust us to make your property search in Portugal as smooth and stress-free as possible.

02

Property Listings

We take pride in pre-selecting properties that are tailored to your specific needs and preferences. 

This ensures that your valuable time is not wasted visiting properties that do not meet your expectations, allowing you to focus on only the most suitable options for your dream home.

03

We schedule the visits with you!

Avoid the frustration of travelling all the way to Portugal on purpose just to find the real estate agent canceled or show up late by choosing us.

We offer pick-up and accompanying services for property viewings. If you can't make it, we can even videotape the properties and send them to you.

04

We provide you an English Speaking Lawyer

Full English Support service at all times.

We will get you a lawyer that will be able to assist you in all legal aspects of buying the property and securing the mortgage.

05

We contact the banks for you

Due to the protocols we have celebrated with most of the Portuguese banks and insurance companies, we can provide exceptional rates, providing the best mortgage conditions.

This can be done before choosing a property, so you know your financial standing.

06

We analyse
your insurance requirements

We will match you with the best company and policy for your needs. We will ensure you get the best coverage at the best price.

04

We provide you an English Speaking Lawyer

Full English Support service at all times.

We will get you a lawyer that will be able to assist you in all legal aspects of buying the property and securing the mortgage.

05

We contact the banks for you

Due to the protocols we have celebrated with most of the Portuguese banks and insurance companies, we can provide exceptional rates, providing the best mortgage conditions.

This can be done before choosing a property, so you know your financial standing.

06

We analyse your insurance requirements

We will match you with the best company and policy for your needs. We will ensure you get the best coverage at the best price.

07

We will be by your side at the moment of the deed

We will go with you to the notary’s office and assist you in signing the Final Deeds. We'll make sure everything goes smoothly and hassle free.

08

We assist you
in getting a renovation loan

Either at the time of the purchase or at a later stage.
Plus, we can we can find reputable tradespeople to help you with all the repairs or refurbishments.

09

We help you to monetise your property

Don’t plan of staying all year?
We can manage your rental operations while you are away. Bookings, check-ins and check-outs, cleaning services... You name it!

07

We will be by your side at the moment of the deed

We will go with you to the notary’s office and assist you in signing the Final Deeds. We'll make sure everything goes smoothly and hassle free.

08

We assist you in getting a renovation loan

Either at the time of the purchase or at a later stage.
Plus, we can we can find reputable tradespeople to help you with all the repairs or refurbishments.

09

We help you monetising your property

Don’t plan of staying all year?
We can manage your rental operations while you are away. Bookings, check-ins and check-outs, cleaning services... You name it!

"I am amazed at how easy buying a house in Portugal ended up to be. I don't think it would be half as fast and painless without Algarmor!"

Matthew Calloway

A process created to bring peace of mind

"I am extremely happy with ALGARMOR and highly recommend their services to anyone wishing to secure amortgage to purchase a property in Portugal."
Byron Lewis
I'm so happy with my new home!
Algarmor really helped make the whole buying process easy and swift. And they saved us money!!!
Dale Kasper
"From the moment we sent our initial enquiry, everyone was professional, helpful and extremely responsive to any questions we had. We would not hesitate in using Algarmor in the future and cannot recommend them highly enough."
Michael and Carla Lorne
"The best real estate company I have ever dealt with. Very professional, experienced and helpful agents and brokers. Highly recommend."
Simon Bennett

A process created to bring peace of mind

"I am extremely happy with ALGARMOR and highly recommend their services to anyone wishing to secure amortgage to purchase a property in Portugal."
Byron Lewis
I'm so happy with my new home!
Algarmor really helped make the whole buying process easy and swift. And they saved us money!!!
Dale Kasper
"From the moment we sent our initial enquiry, everyone was professional, helpful and extremely responsive to any questions we had. We would not hesitate in using Algarmor in the future and cannot recommend them highly enough."
Michael and Carla Lorne
"The best real estate company I have ever dealt with. Very professional, experienced and helpful agents and brokers. Highly recommend."
Simon Bennett

FAQs

Are there any restrictions on the acquisition of real estate in Portugal by foreign buyers?

Foreign buyers are free to buy property in Portugal without any restrictions. However, they must possess a Portuguese tax number, which is a mandatory requirement for the purchase process.

How can immovable property in Portugal be acquired?

In Portugal, it is possible to purchase immovable property either locally or remotely, without the need to be physically present in the country. The real estate sector in Portugal is similar to that of other European countries and has adapted to modern trends, offering virtual tours and other online services. This digital approach is especially advantageous for foreign buyers who can explore properties from afar.

Does the applicant need to open a bank account in order to purchase property, and if so, what is the procedure?

When buying property in Portugal, the buyer is required to have a Portuguese tax number and a local bank account. To obtain these, applicants can receive support in preparing the necessary documentation and opening a bank account, either in person or remotely.

Remember, we do have a process that will help you do that with full english support.

What additional expenses will the real estate transaction incur?

Property buyers in Portugal are subject to various fees, such as property transfer tax, stamp duty, notary fees, and registration fees. The registration process involves signing the title and registering the deed at the land registry. Stamp duty is charged at a fixed rate of 0.8%, while deed costs vary based on the purchase price. Additionally, buyers are required to pay a registration fee of EUR 250 per property. There are also other transfer taxes, such as 5% for rustic articles and 6.5% for commercial, services, or land taxes.

What other immovable property-related taxes and charges are imposed in Portugal?

All property owners in Portugal are required to pay an annual municipality tax known as IMI. This tax is calculated based on a tax evaluation and is charged at a rate of 0.3% to 0.4%. The tax office updates the IMI valuation every three years, taking into account the specific characteristics of each region. The IMI rate varies from municipality to municipality, but it is always within the range of 0.3% to 0.4%, with the highest rates generally applied in areas of historical significance.

What kind of returns can be expected from property investment in Portugal?

In Portugal, the net yield on residential property typically ranges from 3% to 5%, while commercial property yields between 5% and 6%, and industrial property generates a yield of 7% to 8%.

Algarmor is a registered trade mark property of Firebird, Lda., Headquartered at Rua Dr. João Matos Proença 4, 1º Dir. 8150-140, São Brás de Alportel, Portugal. AMI License 21224, ICV0006998
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