Why Buy Property in Portugal as an Expat or Non-Resident

Unbeatable Lifestyle & Welcoming Environment

• Sublime Climate: Enjoy over 300 days of sunshine per year, with warm summers and mild winters, perfect for an outdoor lifestyle.
• Safety & Stability: Consistently ranked as one of the safest countries globally (7th in the 2023 Global Peace Index), offering peace of mind.
• Affordable Cost of Living: Experience a high quality of life at a lower cost compared to many other Western European nations, stretching your budget further.
• Rich Culture & Gastronomy: Explore historic cities, stunning coastlines, delicious food, and world-renowned wine.
• Welcoming to Foreigners: Portuguese people are known for their hospitality, and English is widely spoken, especially in urban and tourist areas, easing the transition for expats.

Attractive Investment & Residency Opportunities

• Growing Property Market: Portugal's real estate market has shown resilience and potential for appreciation, particularly in popular areas like Lisbon, Porto, and the Algarve.
• Strong Rental Yields: High demand from tourism and a growing expat community can offer attractive rental income potential for investment properties.
• Quality Infrastructure: Benefit from excellent healthcare, reputable international schools, and modern infrastructure.
• Residency Options: While programs evolve (like the Golden Visa changes), Portugal offers various residency pathways for non-EU citizens investing in the country. (Note: Consult legal experts for current visa/residency advice).
• Potential Tax Advantages: Programs like the Non-Habitual Resident (NHR) scheme can offer significant tax benefits for eligible individuals, although it's crucial to seek professional tax advice. (Note: NHR scheme has undergone recent changes).

Navigating the Portuguese Mortgage Market as a Non-Resident

While buying property in Portugal is appealing, securing a mortgage as an expat or non-resident can seem daunting. Navigating foreign banking systems, understanding local regulations, gathering specific documentation, and overcoming language barriers are common hurdles. Lenders often have different criteria for non-resident applicants compared to locals.

This is where Portugal Mortgage Brokers steps in.

We specialize in helping international clients like you. We understand the unique challenges non-residents face and have established relationships with Portuguese banks receptive to foreign buyers. Our expertise simplifies the complex mortgage process:

• We assess your eligibility across multiple lenders.
• We help gather and prepare the necessary documentation.
• We negotiate favorable terms and rates on your behalf.
• We provide clear communication in English throughout the process.
• We guide you from initial application to final closing.

Our goal is to make your dream of owning property in Portugal a reality by securing the best possible mortgage solution for your circumstances.