Taxable value. IMT and the 0.8% stamp duty are charged on the higher of the price and the property's tax value (VPT, valor patrimonial tributário). This estimate uses the price you entered; if the VPT is higher, the tax is calculated on the VPT.
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Book a free consultationImportant. This page provides indicative estimates with 2026 rates and is not tax, legal or financial advice, nor an offer or advertising of credit conditions. IMT uses the 7.5% flat rate for non-resident individuals buying urban property used exclusively for housing (Decree-Law 97/2026, since 25 May 2026; the normal rates apply if the buyer has been a Portuguese tax resident before) or the 2026 progressive tables for residents (AT Ofício Circulado 40129/2026: Tables I and III for the Mainland, Tables IV and VI for the Azores & Madeira). IMT and stamp duty are charged on the higher of the price and the VPT. Stamp duty: 0.8% on the purchase and 0.6% on mortgages with a term of 5 years or more. Notary and bank amounts are typical values and vary by provider and bank. Every value requires verification for your specific case and is subject to bank approval. Portugal Mortgage is a credit intermediary registered with Banco de Portugal, licence ICV 6191.