| Tax / cost | Rate | Estimated amount |
|---|---|---|
|
IMT - Imposto Municipal sobre Transmissões
Current progressive scale for second homes · Top rate 7.5%
|
Progressive 1%–7.5% | ~€28,000 |
|
IMT - Proposed flat rate for non-residents Pending final vote
Approved in general terms 9 Jan 2026 · Still in committee · Subject to change · Exceptions apply
|
Flat 7.5% | €37,500 |
|
Imposto do Selo (Stamp Duty)
Flat rate on purchase price · Additional 0.6% on mortgage if applicable
|
0.8% | €4,000 |
|
Notary and land registry fees
Deed registration + notary service
|
Fixed fee | ~€1,500 |
|
Legal fees (property lawyer)
1–2% of purchase price - varies by firm
|
~1% | ~€5,000 |
|
InspectOS Simplex Safe inspection
Fixed price · The one cost that protects against all the others
|
Fixed | No risk |
| Total purchase costs (current IMT scale) | - | ~€39,000 (7.8% of purchase price) |