Simplex & Buyer Liability
Explore our guides on simplex & buyer liability: essential information for anyone buying, selling or renovating property in Portugal.
The bank down-valued the property. What that usually means about the building
A Portuguese bank valuation must record the property's state of conservation by law. A down-valuation is a finding about the building, reaching the buyer as a number.
What changes in Portugal on 1 October 2026
From 1 October 2026 a Portuguese property deed must state the urban-planning title. A declaration, not a check: what changes and what does not.
Illegal extensions in Portugal: how to spot them before you offer
Illegal extensions and unregistered structures are visible before an inspector attends. What to check from your desk, and what to look for at the viewing.
Habitation licence Portugal: check before buying
The habitation licence (licença de utilização) says what a property is authorised to be. Three same-day checks show whether the building matches it.
DL 108/2026 and Your Inspection: The Título Gap (2026)
DL 108/2026 makes the título urbanístico a contract declaration from 1 October 2026. It confirms the paperwork, not the property. Why physical verification is now the buyer's job.
DL 10/2024 Simplex Urbanístico: Buyer Liability
DL 10/2024 ended municipal checks before sale. What the Câmara stopped verifying, what you inherit at the deed, and what changes on 1 October 2026.
Property Due Diligence in Portugal: Blind Spots
Property due diligence in Portugal: the four documents to verify before you sign the CPCV, and the unlicensed works that none of them will show you.