---
title: Buying guides Portugal | IMT, costs, mortgage | CRT
description: "Evergreen buying guides for Portugal: IMT, buying costs, mortgage orientation, relocation and where to live. Separate from Insights/Journal."
image: https://marketing.cavalcanti.team/hubfs/CRT%20LP%20Relocation%20Buyer/mid/crt-rel-mid-apt.webp
---
[](https://marketing.cavalcanti.team/en/)
Marketing Properties With Soul.
- [Home](https://marketing.cavalcanti.team/en/)
- [Search Properties](https://marketing.cavalcanti.team/en/search-properties)
- [All listings](https://marketing.cavalcanti.team/en/search-properties)
- [Lisbon](https://marketing.cavalcanti.team/en/lisbon-real-estate)
- [Cascais](https://marketing.cavalcanti.team/en/cascais-real-estate)
- [Sintra](https://marketing.cavalcanti.team/en/sintra-real-estate)
- [Featured Properties](https://marketing.cavalcanti.team/en/featured-properties)
- [Buyers & relocation](https://marketing.cavalcanti.team/en/relocating-to-portugal)
- Where to live
- [Overview (quiz)](https://marketing.cavalcanti.team/en/where-to-live)
- [Lisbon](https://marketing.cavalcanti.team/en/where-to-live/lisbon)
- [Cascais](https://marketing.cavalcanti.team/en/where-to-live/cascais)
- [Sintra](https://marketing.cavalcanti.team/en/where-to-live/sintra)
- Tools
- [IMT & stamp duty](https://marketing.cavalcanti.team/en/imt-stamp-duty)
- [Buying costs](https://marketing.cavalcanti.team/en/portugal-property-buying-costs)
- [Mortgage guide](https://marketing.cavalcanti.team/en/mortgage-buying-home-portugal)
- [Investment calculator](https://marketing.cavalcanti.team/en/portugal-property-investment-calculator)
- [Property valuation](https://marketing.cavalcanti.team/en/market-valuation)
- [News & Research](https://marketing.cavalcanti.team/en/insights)
- [All insights](https://marketing.cavalcanti.team/en/insights)
- [Buying guides](https://marketing.cavalcanti.team/en/buying-guides)
- [Cascais vs Lisbon](https://marketing.cavalcanti.team/en/cascais-vs-lisbon-investment)
- [Sintra vs Cascais](https://marketing.cavalcanti.team/en/sintra-vs-cascais)
[Contact](https://marketing.cavalcanti.team/en/contact) [Partners](https://marketing.cavalcanti.team/pt/parceiros?lang=en)
🇬🇧 EN English 🇵🇹 PT Português
- [Home](https://marketing.cavalcanti.team/en/)
- [Search Properties](https://marketing.cavalcanti.team/en/search-properties)
- [All listings](https://marketing.cavalcanti.team/en/search-properties)
- [Lisbon](https://marketing.cavalcanti.team/en/lisbon-real-estate)
- [Cascais](https://marketing.cavalcanti.team/en/cascais-real-estate)
- [Sintra](https://marketing.cavalcanti.team/en/sintra-real-estate)
- [Featured Properties](https://marketing.cavalcanti.team/en/featured-properties)
- [Buyers & relocation](https://marketing.cavalcanti.team/en/relocating-to-portugal)
- Where to live
- [Overview (quiz)](https://marketing.cavalcanti.team/en/where-to-live)
- [Lisbon](https://marketing.cavalcanti.team/en/where-to-live/lisbon)
- [Cascais](https://marketing.cavalcanti.team/en/where-to-live/cascais)
- [Sintra](https://marketing.cavalcanti.team/en/where-to-live/sintra)
- Tools
- [IMT & stamp duty](https://marketing.cavalcanti.team/en/imt-stamp-duty)
- [Buying costs](https://marketing.cavalcanti.team/en/portugal-property-buying-costs)
- [Mortgage guide](https://marketing.cavalcanti.team/en/mortgage-buying-home-portugal)
- [Investment calculator](https://marketing.cavalcanti.team/en/portugal-property-investment-calculator)
- [Property valuation](https://marketing.cavalcanti.team/en/market-valuation)
- [News & Research](https://marketing.cavalcanti.team/en/insights)
- [All insights](https://marketing.cavalcanti.team/en/insights)
- [Buying guides](https://marketing.cavalcanti.team/en/buying-guides)
- [Cascais vs Lisbon](https://marketing.cavalcanti.team/en/cascais-vs-lisbon-investment)
- [Sintra vs Cascais](https://marketing.cavalcanti.team/en/sintra-vs-cascais)
- [Contact](https://marketing.cavalcanti.team/en/contact)
- [Partners](https://marketing.cavalcanti.team/pt/parceiros?lang=en)
   
Guides · buying in Portugal · updated 2026
# Practical guides to buying a home in Portugal
This hub collects Cavalcanti RealEstate Team’s **evergreen buying guides** (AMI 18470): tax, costs, mortgage orientation and the buy path. Practical orientation — not tax, legal or banking advice. For market thesis and opinion, use [Insights](https://marketing.cavalcanti.team/en/insights?hsLang=en).
Table of contents
1. [Tax and costs](https://marketing.cavalcanti.team/en/buying-guides#crt-sec-1)
2. [Mortgage](https://marketing.cavalcanti.team/en/buying-guides#crt-sec-2)
3. [Buy path and life](https://marketing.cavalcanti.team/en/buying-guides#crt-sec-3)
4. [Guides vs Insights](https://marketing.cavalcanti.team/en/buying-guides#crt-sec-4)
5. [Questions about the guides](https://marketing.cavalcanti.team/en/buying-guides#faq)
6. [Keep reading](https://marketing.cavalcanti.team/en/buying-guides#crt-related)
## Tax and costs
- [IMT & stamp duty](https://marketing.cavalcanti.team/en/imt-stamp-duty?hsLang=en) — simulator and orientation rules
- [Buying costs](https://marketing.cavalcanti.team/en/portugal-property-buying-costs?hsLang=en) — what sits beyond the listing price
## Mortgage
- [Mortgage guide](https://marketing.cavalcanti.team/en/mortgage-buying-home-portugal?hsLang=en)
- [Residents vs non-residents](https://marketing.cavalcanti.team/en/portugal-mortgage-residents-non-residents?hsLang=en)
CRT does not intermediate credit.
## Buy path and life
- [Buyers & relocation](https://marketing.cavalcanti.team/en/relocating-to-portugal?hsLang=en)
- [Where to live](https://marketing.cavalcanti.team/en/where-to-live?hsLang=en) (Lisbon, Cascais, Sintra)
- [After purchase / soft landing](https://marketing.cavalcanti.team/en/after-purchase-portugal?hsLang=en)
## Guides vs Insights
**Guides** = how the process works. **Insights** = thesis and market reading (no invented tables). See the [Insights hub](https://marketing.cavalcanti.team/en/insights?hsLang=en).
## Keep reading
- [Insights / Journal](https://marketing.cavalcanti.team/en/insights?hsLang=en)
- [Area before the property](https://marketing.cavalcanti.team/en/insights/area-before-property?hsLang=en)
- [Contact](https://marketing.cavalcanti.team/en/contact?hsLang=en)
## Questions about the guides
Does this replace a lawyer or accountant?
No. These are orientation guides. Tax, contract and credit decisions stay with licensed professionals.
Where is market opinion?
In the [Insights hub](https://marketing.cavalcanti.team/en/insights?hsLang=en) — kept separate from practical guides on purpose.
Where should I start if I am relocating?
With the [relocation guide](https://marketing.cavalcanti.team/en/relocating-to-portugal?hsLang=en), then IMT/costs and [where to live](https://marketing.cavalcanti.team/en/where-to-live?hsLang=en).
[Talk to the team](https://marketing.cavalcanti.team/en/contact?hsLang=en)
[IMT & stamp duty](https://marketing.cavalcanti.team/en/imt-stamp-duty?hsLang=en) [Insights](https://marketing.cavalcanti.team/en/insights?hsLang=en) [Contact](https://marketing.cavalcanti.team/en/contact?hsLang=en)
[](https://marketing.cavalcanti.team/en/?hsLang=en)
Cavalcanti RealEstate Team® powered by eXp Portugal
AMI: 18470 · TAX ID: 516798162 · Lisbon
Specialized in real estate investments in Portugal for international clients.
[+351 300 505 130](tel:+351300505130) [+351 300 505 130](https://wa.me/351300505130?text=Hello%21+I%27d+like+more+information.) [admin@cavalcanti.team](mailto:admin@cavalcanti.team)
Back
Areas we cover
[Cascais](https://marketing.cavalcanti.team/en/cascais-real-estate?hsLang=en) [Lisbon](https://marketing.cavalcanti.team/en/lisbon-real-estate?hsLang=en) [Sintra](https://marketing.cavalcanti.team/en/sintra-real-estate?hsLang=en)
[Buyers & relocation](https://marketing.cavalcanti.team/en/relocating-to-portugal?hsLang=en) [Where to live](https://marketing.cavalcanti.team/en/where-to-live?hsLang=en) [Cascais vs Lisbon](https://marketing.cavalcanti.team/en/cascais-vs-lisbon-investment?hsLang=en) [Sintra vs Cascais](https://marketing.cavalcanti.team/en/sintra-vs-cascais?hsLang=en) [Search Properties](https://marketing.cavalcanti.team/en/search-properties?hsLang=en) [Featured Properties](https://marketing.cavalcanti.team/en/featured-properties?hsLang=en) [IMT & stamp duty](https://marketing.cavalcanti.team/en/imt-stamp-duty?hsLang=en) [Buying costs](https://marketing.cavalcanti.team/en/portugal-property-buying-costs?hsLang=en) [Mortgage guide](https://marketing.cavalcanti.team/en/mortgage-buying-home-portugal?hsLang=en) [Residents vs non-residents](https://marketing.cavalcanti.team/en/portugal-mortgage-residents-non-residents?hsLang=en) [Investment calculator](https://marketing.cavalcanti.team/en/portugal-property-investment-calculator?hsLang=en) [Property valuation](https://marketing.cavalcanti.team/en/market-valuation?hsLang=en) [Partners](https://marketing.cavalcanti.team/pt/parceiros?lang=en)
[Privacy Policy](https://marketing.cavalcanti.team/en/privacy-policy?hsLang=en) [Alternative Dispute Resolution](https://www.consumidor.gov.pt/ral-mapa-e-lista-de-entidades) [Terms of Use](https://marketing.cavalcanti.team/en/terms-of-use?hsLang=en) [Cookie Policy](https://marketing.cavalcanti.team/en/cookie-policy?hsLang=en) [Complaints Book](https://www.livroreclamacoes.pt/Inicio/)
Cookie settings
© Cavalcanti RealEstate Team®
Back
Follow us
@
Follow us
@
```json
{
"@context" : "https://schema.org",
"@id" : "https://marketing.cavalcanti.team/en/buying-guides#webpage",
"@type" : "WebPage",
"about" : {
"@type" : "Thing",
"name" : "Portugal property buying guides"
},
"breadcrumb" : {
"@id" : "https://marketing.cavalcanti.team/en/buying-guides#breadcrumb"
},
"inLanguage" : "en",
"isPartOf" : {
"@id" : "https://marketing.cavalcanti.team/#agent"
},
"name" : "Buying guides Portugal",
"url" : "https://marketing.cavalcanti.team/en/buying-guides"
}
```
```json
{
"@context" : "https://schema.org",
"@id" : "https://marketing.cavalcanti.team/en/buying-guides#breadcrumb",
"@type" : "BreadcrumbList",
"itemListElement" : [ {
"@type" : "ListItem",
"item" : "https://marketing.cavalcanti.team/en/",
"name" : "Home",
"position" : 1
}, {
"@type" : "ListItem",
"item" : "https://marketing.cavalcanti.team/en/buying-guides",
"name" : "Buying guides Portugal",
"position" : 2
} ]
}
```
```json
{
"@context" : "https://schema.org",
"@id" : "https://marketing.cavalcanti.team/#agent",
"@type" : "RealEstateAgent",
"address" : {
"@type" : "PostalAddress",
"addressCountry" : "PT",
"addressLocality" : "Lisboa",
"addressRegion" : "Lisboa",
"postalCode" : "1250-162",
"streetAddress" : "Praça Marquês de Pombal, 14"
},
"aggregateRating" : {
"@type" : "AggregateRating",
"bestRating" : "5",
"ratingValue" : "5",
"reviewCount" : "5",
"worstRating" : "1"
},
"alternateName" : [ "Cavalcanti Team", "CRT", "Cavalcanti RealEstate Team®" ],
"areaServed" : [ {
"@type" : "City",
"name" : "Lisboa"
}, {
"@type" : "City",
"name" : "Cascais"
}, {
"@type" : "City",
"name" : "Sintra"
}, {
"@type" : "City",
"name" : "Estoril"
}, {
"@type" : "City",
"name" : "Carcavelos"
}, {
"@type" : "City",
"name" : "Oeiras"
} ],
"description" : "Independent Portuguese real estate team (AMI 18470) helping national and international buyers acquire and relocate to homes in Lisboa, Cascais and Sintra. Operates powered by eXp Portugal. End-to-end guidance: property search, negotiation, due diligence, financing and settling in.",
"email" : "admin@cavalcanti.team",
"geo" : {
"@type" : "GeoCoordinates",
"latitude" : 38.7256,
"longitude" : -9.1499
},
"identifier" : [ {
"@type" : "PropertyValue",
"name" : "AMI",
"value" : "18470"
}, {
"@type" : "PropertyValue",
"name" : "NIF",
"value" : "516798162"
} ],
"image" : "https://marketing.cavalcanti.team/hubfs/Logo_crt_site_landing.svg",
"knowsAbout" : [ "Relocation to Portugal", "Buying property in Portugal", "Property acquisition for foreigners", "Home mortgage financing in Portugal", "Property transfer tax (IMT) and IMI", "Portuguese residential property market", "Real estate in Lisbon", "Real estate in Cascais", "Real estate in Sintra", "Golden Visa", "NHR tax regime" ],
"knowsLanguage" : [ "pt-PT", "en", "fr" ],
"legalName" : "Cavalcanti Realestate Team, Unipessoal, Lda",
"logo" : "https://marketing.cavalcanti.team/hubfs/Logo_crt_site_landing.svg",
"memberOf" : {
"@type" : "Organization",
"name" : "eXp Portugal",
"url" : "https://www.expportugal.com"
},
"name" : "Cavalcanti RealEstate Team",
"openingHoursSpecification" : [ {
"@type" : "OpeningHoursSpecification",
"closes" : "18:30",
"dayOfWeek" : [ "Monday", "Tuesday", "Wednesday", "Thursday", "Friday" ],
"opens" : "09:30"
} ],
"priceRange" : "€€€",
"sameAs" : [ "https://www.instagram.com/cavalcantirealestate/", "https://www.facebook.com/cavalcantirealestate", "https://www.youtube.com/@cavalcantirealestate", "https://www.linkedin.com/company/cavalcantirealestate", "https://www.google.com/search?kgmid=/g/11r3wsly7x" ],
"telephone" : "+351300505130",
"url" : "https://marketing.cavalcanti.team"
}
```
```json
{
"@context" : "https://schema.org",
"@id" : "https://marketing.cavalcanti.team/en/buying-guides#faq",
"@type" : "FAQPage",
"about" : {
"@id" : "https://marketing.cavalcanti.team/#agent"
},
"inLanguage" : "en",
"isPartOf" : {
"@id" : "https://marketing.cavalcanti.team/#website"
},
"mainEntity" : [ {
"@type" : "Question",
"acceptedAnswer" : {
"@type" : "Answer",
"text" : "No. These are orientation guides. Tax, contract and credit decisions stay with licensed professionals."
},
"name" : "Does this replace a lawyer or accountant?"
}, {
"@type" : "Question",
"acceptedAnswer" : {
"@type" : "Answer",
"text" : "In the Insights hub — kept separate from practical guides on purpose."
},
"name" : "Where is market opinion?"
}, {
"@type" : "Question",
"acceptedAnswer" : {
"@type" : "Answer",
"text" : "With the relocation guide, then IMT/costs and where to live."
},
"name" : "Where should I start if I am relocating?"
} ],
"url" : "https://marketing.cavalcanti.team/en/buying-guides"
}
```
```json
{
"@context" : "https://schema.org",
"@id" : "https://marketing.cavalcanti.team/en/buying-guides#article",
"@type" : "Article",
"about" : {
"@id" : "https://marketing.cavalcanti.team/#agent"
},
"author" : {
"@id" : "https://marketing.cavalcanti.team/#agent"
},
"description" : "This hub collects Cavalcanti RealEstate Team’s evergreen buying guides (AMI 18470): tax, costs, mortgage orientation and the buy path. Practical orientation — not tax, legal or banking advice. For market thesis and opinion, use Insights.",
"headline" : "Practical guides to buying a home in Portugal",
"inLanguage" : "en",
"isPartOf" : {
"@id" : "https://marketing.cavalcanti.team/#website"
},
"mainEntityOfPage" : "https://marketing.cavalcanti.team/en/buying-guides",
"publisher" : {
"@id" : "https://marketing.cavalcanti.team/#agent"
},
"url" : "https://marketing.cavalcanti.team/en/buying-guides"
}
```