Portugal buying-cost calculator
The all-in cost of buying property in Portugal — IMT, stamp duty, Casa Pronta/notary, legal and mortgage-setup fees — itemized into one total, with every rate bound to its statutory source.
Worked example
€500,000 Lisbon apartment · non-resident buyer · €400,000 mortgage
The itemized cost structure below is complete and provenance-bound. A figure appears on each line only once its 2026 statutory rate is pinned to its primary source — we never publish a number the warehouse cannot yet source.
Illustrative scenario inputs (a buyer's chosen price and loan) — not a market or statutory figure. Statutory rates/fees come from the fact registry with provenance.
Awaiting primary-source pins
- IMT (property transfer tax): pending OQ-5 primary-source pin (Decreto-Lei 97/2026)
- Stamp duty on the transfer (Imposto do Selo, verba 1.1): pending OQ-5 primary-source pin (Código do Imposto do Selo, verba 1.1)
- Stamp duty on the mortgage (Imposto do Selo, verba 17): pending OQ-5 primary-source pin (Código do Imposto do Selo, verba 17)
- Casa Pronta / notary + registration: pending OQ-5 primary-source pin (Casa Pronta / IRN fee schedule)
- Legal fees (lawyer / solicitador): pending OQ-5 primary-source pin (Market-typical conveyancing fee (sourced basis required))
- Mortgage arrangement fee (comissão de dossier): pending OQ-5 primary-source pin (Bank fee schedule / FINE (Ficha de Informação Normalizada Europeia))
- Property valuation fee (avaliação): pending OQ-5 primary-source pin (Bank fee schedule / FINE)
| Cost line | Amount | Basis | Source |
|---|---|---|---|
| IMT (property transfer tax) | pending | pending OQ-5 primary-source pin (Decreto-Lei 97/2026) | Decreto-Lei 97/2026 |
| Stamp duty on the transfer (Imposto do Selo, verba 1.1) | pending | pending OQ-5 primary-source pin (Código do Imposto do Selo, verba 1.1) | Código do Imposto do Selo, verba 1.1 |
| Stamp duty on the mortgage (Imposto do Selo, verba 17) | pending | pending OQ-5 primary-source pin (Código do Imposto do Selo, verba 17) | Código do Imposto do Selo, verba 17 |
| Casa Pronta / notary + registration | pending | pending OQ-5 primary-source pin (Casa Pronta / IRN fee schedule) | Casa Pronta / IRN fee schedule |
| Legal fees (lawyer / solicitador) | pending | pending OQ-5 primary-source pin (Market-typical conveyancing fee (sourced basis required)) | Market-typical conveyancing fee (sourced basis required) |
| Mortgage arrangement fee (comissão de dossier) | pending | pending OQ-5 primary-source pin (Bank fee schedule / FINE (Ficha de Informação Normalizada Europeia)) | Bank fee schedule / FINE (Ficha de Informação Normalizada Europeia) |
| Property valuation fee (avaliação) | pending | pending OQ-5 primary-source pin (Bank fee schedule / FINE) | Bank fee schedule / FINE |
| All-in total | pending — published once every line is pinned to its 2026 primary source | ||
How each figure is computed
Every cost line is derived from a statutory rate or fee schedule — never a hand-typed number. Each rate carries a provenance record (source, instrument, effective date) so the total is fully auditable.
- IMT (property transfer tax)
- pending OQ-5 primary-source pin (Decreto-Lei 97/2026)Source: Decreto-Lei 97/2026 — Non-resident flat IMT regime (2026). Value pending OQ-5 primary-source pin.
- Stamp duty on the transfer (Imposto do Selo, verba 1.1)
- pending OQ-5 primary-source pin (Código do Imposto do Selo, verba 1.1)Source: Código do Imposto do Selo, verba 1.1 — Stamp duty on the acquisition. Rate pending OQ-5 primary-source pin.
- Stamp duty on the mortgage (Imposto do Selo, verba 17)
- pending OQ-5 primary-source pin (Código do Imposto do Selo, verba 17)Source: Código do Imposto do Selo, verba 17 — Stamp duty on the loan (charged on the financed amount). Rate pending OQ-5 pin.
- Casa Pronta / notary + registration
- pending OQ-5 primary-source pin (Casa Pronta / IRN fee schedule)Source: Casa Pronta / IRN fee schedule — Deed + registration via Casa Pronta (or notary). Fee pending OQ-5 pin.
- Legal fees (lawyer / solicitador)
- pending OQ-5 primary-source pin (Market-typical conveyancing fee (sourced basis required))Source: Market-typical conveyancing fee (sourced basis required) — Conveyancing legal fee (asking, market-typical). Basis pending OQ-5 sourced pin.
- Mortgage arrangement fee (comissão de dossier)
- pending OQ-5 primary-source pin (Bank fee schedule / FINE (Ficha de Informação Normalizada Europeia))Source: Bank fee schedule / FINE (Ficha de Informação Normalizada Europeia) — Bank loan-setup fee. Amount pending OQ-5 sourced pin (lender-specific).
- Property valuation fee (avaliação)
- pending OQ-5 primary-source pin (Bank fee schedule / FINE)Source: Bank fee schedule / FINE — Bank property valuation fee. Amount pending OQ-5 sourced pin (lender-specific).
This is general information, not tax or legal advice. Case-specific questions about IMT, stamp duty or residency should go to an Ordem dos Advogados lawyer or a certified accountant (OCC).
Your purchase, costed line by line
Speak with an advisor to apply this cost structure to your specific price, regime and mortgage — and map the paperwork that follows.
Book a free 20-minute consultation