Portugal is beautiful, yes—but buying a home here comes with surprises. Here are seven things I wish someone had told me before I jumped in.
1. There’s No Central MLS
In the U.S., we’re used to Zillow and Redfin. Here? You’ll need to search multiple websites—or better yet, use a buyer’s agent.
2. Agents Represent Sellers, Not You
Unless you hire a buyer’s agent, don’t assume the agent is working for you. Most are paid by the seller.
3. Everything Moves Slower
Emails go unanswered. Documents take time. Schedules shift. Breathe—it’s just how it is.
4. Paperwork Is in Portuguese
Not just contracts—tax documents, bank forms, and even utility bills. Get a lawyer and translator early.
5. Property Titles Can Be Messy
Some homes have unclear ownership or construction licenses. Always do a legal check before signing.
6. You’ll Need a Fiscal Rep
If you’re not a resident, you’ll need a Portuguese tax rep (called a fiscal representative). Many lawyers offer this.
7. Cash Is King
Financing through Portuguese banks is possible but not guaranteed. If you’re financing with U.S. income, start early.
Wrap-up:
Knowing these things ahead of time would’ve saved me stress. Now you’re better prepared than I was.