Can British Citizens Buy Property in Portugal?

Yes — British citizens can absolutely buy property in Portugal. In fact, the UK has long been one of the top countries of origin for property buyers in the Algarve and across the country. Even after Brexit, buying, owning, and enjoying property in Portugal remains fully legal for UK nationals.

That said, there are some important legal, tax, and residency changes to be aware of. This guide explains what’s changed since Brexit, what hasn’t, and how British buyers can successfully purchase property in Portugal.

Can UK Citizens Still Buy Property in Portugal?

✅ Yes. There are no restrictions on property ownership in Portugal based on nationality. British citizens can buy:

• Apartments
• Villas
• Land
• Rural or urban properties
• Commercial real estate

You do not need a visa or residency to purchase property, and ownership rights are the same as for EU citizens.

What Has Changed Since Brexit?

While buying rights remain unchanged, residency rules and tax residency status have changed for UK nationals.

• UK citizens are now treated as non-EU buyers
• You can visit for 90 days in any 180-day period without a visa
• If you plan to stay long-term, you’ll need a Portuguese residency visa (e.g. D7 or D8)

Buying property alone does not grant residency, but it may support your visa application.

🔗 Related Reading: Buying Property in Algarve After Brexit: What Brits Need to Know

Is It Safe and Common for Brits to Buy in Portugal?

Yes — in fact, thousands of British nationals live in Portugal and many more own holiday homes.
Top reasons UK buyers choose Portugal:

• Affordable cost of living
• Safe and stable property market
• Direct flights to the UK
• Great healthcare and lifestyle
• English widely spoken in Algarve

Legal Steps for British Buyers

You’ll need to complete the same steps as any other non-EU buyer:

1. Get a Portuguese tax number (NIF)
2. Open a Portuguese bank account
3. Hire a lawyer to conduct due diligence and draft contracts
4. Sign the promissory contract (CPCV) with 10–30% deposit
5. Sign the final deed (Escritura) at the notary
6. Register the property in your name

A lawyer with power of attorney can handle the entire process remotely.

🔗 Related Reading: Buying Property in Algarve as a Non-EU Citizen: Step-by-Step Guide

Can UK Buyers Get a Mortgage in Portugal?

Yes — British citizens can apply for a Portuguese mortgage. Most banks lend up to 60–70% of the property’s value for non-residents, depending on income and credit profile.

You’ll need:

• Proof of income (pension, salary, self-employed, etc.)
• UK bank statements and tax returns
• Currency exchange planning for your deposit

Do British Buyers Pay Extra Taxes?

No. Property taxes and purchase costs are the same for UK citizens as for Portuguese or EU buyers. Expect to pay:

• IMT (1%–8% transfer tax)
• Stamp Duty (0.8%)
• Notary + legal fees
• Annual IMI property tax (~0.3–0.5%)

🔗 Related Reading: Costs and Taxes When Buying Property in Portugal, IMT & Stamp Duty Calculator – Estimate Property Purchase Taxes in Portugal

Can Brits Rent Out Their Property?

Yes — owning property doesn’t require residency, and you may rent it out legally.
For short-term holiday lets, you’ll need an Alojamento Local (AL) license from the municipality.

Long-term rentals don’t require a license, but you may need a fiscal representative if you live outside Portugal.

Final Thoughts

British citizens remain active and welcome participants in Portugal’s property market. Whether you’re looking for a holiday home, retirement property, or investment, buying in Portugal is still a safe, legal, and straightforward process for UK nationals.

The key differences post-Brexit involve residency rights — not ownership. So as long as you have the right legal support and financial planning, buying a home in Portugal is just as accessible as it has always been.

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