Frequently Asked Questions

Can I see the property virtually before traveling to Portugal?
Yes — we offer a live video walk-through via FaceTime or WhatsApp Video for overseas buyers. This gives you a real-time guided tour of every room with the ability to ask questions as we go. Contact us to arrange a convenient time.

What is included in the sale?
All Appliances include (refrigerators, ovens, stove tops, microwave, wine chiller, water filtration systems, CCTV system, washer and dryer). Furnishings are negotiable.

Are the property dimensions verified?
All dimensions provided are based on certified architectural drawings and should be independently verified by your legal representative as part of the purchase process. Dimensions of the potentially developable back lot are an approximation. 

What is the annual property tax (IMI)?
€712.08/year 

What is the property's energy rating and does it matter?

This property holds an A+ Certificado Energético — the highest possible energy efficiency rating under Portugal's national SCE certification system, overseen by ADENE (the Portuguese Energy Agency). The A+ rating is a legal requirement to disclose in all property listings and reflects the property's solar hot water generation, heat pump systems, hydronic heating, and high-quality construction envelope.

In practical terms it means significantly lower energy running costs compared to average Portuguese properties. It also has a financial advantage in the current regulatory environment: properties rated E, F, or below face increasingly serious compliance obligations and value discounts under the EU's Energy Performance of Buildings Directive (EPBD), which Portugal is transposing into law. An A+ property faces none of those headwinds.

The Certificado Energético document and SCE number are available to verified buyers upon request.

Why are you selling?
[Seller to complete — personal answer builds trust]

How long have you owned the property?
Since January 2024

Is there room for additional development on this property?

Yes. In addition to the existing estate, the property includes a potentially developable back lot of approximately 0.283 ha (0.7 acres), with public road access on both sides and proximity to existing utility infrastructure.

How many units could potentially be built on the back lot?

Based on current municipal zoning parameters for the area, preliminary estimates suggest a range of approximately 7 to 10 residential units, depending on final zoning classification and project design. This figure has not yet been formally confirmed by the municipality and should be independently verified by any interested buyer.

Has the back lot's exact zoning classification been confirmed?

Not yet. The parcel falls within a zoning framework that applies different rules depending on classification and elevation. Buyers pursuing development should request official written confirmation (a planta de localização or equivalent zoning certificate) from the local municipal planning office before finalizing any development plans.

Why is this area considered a good investment?

The property is located in a rapidly developing pocket of Foz do Arelho, where recent residential and tourism-sector investment reflects the area's growing appeal — offering strong context for the back lot's own development potential.

Does the back lot have road and utility access?

Yes. The back lot is bordered by public roads on both sides, and utilities can be extended from the frontage road. Exact utility capacity and connection requirements should be confirmed with local authorities as part of due diligence.

Would a buyer need to subdivide the back lot to develop it?

Likely yes. Development of the back lot as a distinct project would typically require formally subdividing it from the rest of the estate, followed by the applicable municipal approval process. The specific process (and whether land or financial contributions toward shared infrastructure are required) depends on the final project scope and should be confirmed with the municipality.

Is this development potential guaranteed?

No. All figures above are preliminary estimates based on published zoning parameters and are not a guarantee of approval. Any buyer intending to pursue development should conduct independent verification with the Câmara Municipal and consult a local architect or urbanismo consultant before purchase.

Why do you require proof of funds before a viewing?
This is a €2,400,000 property offered directly by the owners. Requiring verified proof of funds ensures that viewings — in person or virtual — are arranged only for buyers who are genuinely in a position to proceed. It protects everyone's time and maintains the privacy and security of the property.

What counts as acceptable proof of funds?
For cash buyers: a Proof of Funds (POF) letter from your bank or financial institution, dated within the past 60 days, confirming liquid assets sufficient to complete the purchase. For financed buyers: a formal pre-approval letter from your lender confirming approval for a sufficient mortgage, plus proof of funds for the down payment and acquisition costs. All documentation should be on official letterhead and is treated with complete confidentiality.

How do I arrange a viewing?
Complete the inquiry form in the Contact Us section of the Home Page. Once we have verified your proof of funds we will be in touch promptly to arrange either a virtual or in-person viewing at a mutually convenient time.

Can I buy property in Portugal if I'm not a Portuguese citizen?
Absolutely. Portugal places no restrictions on foreign nationals purchasing property. Buyers from the United States, Canada, and anywhere else in the world have the same right to purchase real estate in Portugal as Portuguese citizens. The main practical requirement is obtaining a NIF (Número de Identificação Fiscal) — Portugal's tax identification number — which can be arranged remotely through a Portuguese lawyer before you ever travel to Portugal.

Do I need a real estate agent?
No — and in this case, you don't need one. This property is offered directly by the owners, and we have a qualified Portuguese attorney managing all aspects of the transaction including offers, contracts, and the final sale. You are always welcome to engage your own independent legal representation — in fact, we encourage it. But a buyer's agent simply adds a layer and a cost that neither party needs here.

What are the total costs of buying in Portugal?
As a buyer, you should budget approximately 6–8% of the purchase price in acquisition costs on top of the purchase price. These include IMT (property transfer tax), stamp duty (0.8%), notary fees, land registry fees, and legal fees. Your Portuguese property lawyer will provide a precise estimate based on current rates.

How does the purchase process work?
The process follows four clear steps: obtain your NIF, engage a Portuguese property lawyer, sign the CPCV promissory contract (with a deposit of typically 10–30%), and complete the final deed (Escritura) before a notary. We have a qualified attorney managing the process on our side and are happy to recommend professionals who work regularly with international buyers.

Can I make an offer without visiting in person?
Yes. We have had significant interest from overseas buyers who prefer to conduct thorough due diligence remotely before traveling. We support this process with virtual tours, additional photos and videos, and document sharing. Subject to standard due diligence, we are open to discussing offers from serious qualified buyers.

How do I get a NIF?
A NIF can be obtained at any Portuguese tax office (Finanças) or through a Portuguese lawyer with power of attorney — without traveling to Portugal first. We are happy to provide introductions to professionals who handle this routinely for international buyers.

Can I get a mortgage as a foreign buyer?
Yes. Several Portuguese banks and international lenders offer mortgages to non-resident buyers, typically at 70–80% loan-to-value. We recommend consulting a mortgage broker who specializes in international buyers in Portugal. Note that proof of pre-approval is required before we can arrange a viewing.

What is a CPCV?
A Contrato de Promessa de Compra e Venda (CPCV) is a legally binding promissory contract signed once an offer is agreed. The buyer typically pays a deposit of 10–30% at this stage. If the buyer withdraws, the deposit is forfeited. If the seller withdraws, they must return double the deposit — providing strong protection for both parties.

Is Portugal safe?
Portugal is one of the safest countries in the world. The Global Peace Index has ranked Portugal #7 globally — well ahead of both the United States and Canada. Violent crime is extremely rare, and the Silver Coast in particular is an exceptionally quiet and secure area to live.

Do I need to speak Portuguese?
Not to get started. English is widely spoken throughout Portugal, particularly in areas with established expat communities like the Silver Coast. That said, making the effort to learn basic Portuguese is warmly appreciated by locals and will enrich your experience considerably.

What is the cost of living like compared to the US and Canada?
Significantly lower. Groceries, utilities, dining, and domestic services all come in well below North American equivalents. A full restaurant meal with wine at a good local restaurant typically costs €20–€40 for two. Many North American residents find their overall cost of living drops by 30–50% after relocating.

What are my healthcare options?
Legal residents have access to Portugal's public SNS healthcare system. Most expats supplement this with private health insurance, which in Portugal costs a fraction of US equivalents — typically €100–€300 per month for comprehensive coverage depending on age. 

What has changed with the NHR tax regime?
The original NHR (Non-Habitual Resident) tax regime closed to new applicants at the end of 2023. It has been replaced by IFICI (also called NHR 2.0), effective January 2024. The new regime targets high-value professions such as science, technology, engineering, and executive management. Retirees and passive income earners are no longer automatically eligible for the flat-rate tax benefits that made the original NHR so attractive. Foreign pension income is now taxed at standard Portuguese progressive rates. We strongly recommend consulting a qualified tax professional who specializes in US/Portugal taxation before making any relocation decisions based on tax assumptions.

Can I bring my pets from the US or Canada?
Yes, though it requires planning. The EU requirements include a microchip, rabies vaccination, an official health certificate completed by an accredited vet, and a 21-day waiting period after vaccination. We recommend starting the process at least three months before your planned move date.

How long can I stay in Portugal as a tourist?
As a US or Canadian citizen you can stay in Portugal — and the broader Schengen Area — for up to 90 days in any 180-day period without a visa.

What visa options are available if I want to stay longer?
The most relevant options for most buyers are the D7 (passive income/retirement visa), the D8 (digital nomad/remote work visa), and the D2 (entrepreneur visa). Each has its own income requirements and eligibility criteria. We recommend consulting a qualified Portuguese immigration lawyer to determine the right path for your situation.

Important note on the D7 and taxes:
D7 visa holders are no longer automatically eligible for IFICI (NHR 2.0) flat-rate tax benefits. Foreign pension income received by D7 holders is now taxed at standard Portuguese progressive rates. Please seek professional tax advice before assuming tax benefits apply to your situation.

How long does it take to get permanent residency?
After 5 years of legal residency you are eligible to apply for permanent residency. After the same 5 years you are also eligible to apply for Portuguese citizenship — and with it, an EU passport.

Can I hold dual citizenship?

At this time both the United States and Canada generally permit dual citizenship, meaning most North American applicants can obtain a Portuguese passport without giving up their existing citizenship. Confirm your specific situation with an immigration lawyer.