Property in Porto,
done properly.
Buyer- and investor-side advisory in Porto, from objectives to deed.
Clear steps, disciplined decisions, and trusted partners when needed.
Book a call to discuss your profile and timeline.
Advisory that starts
before the search.
Buying property in a new market is one of the most significant financial decisions you can make. Costako's advisory reflects the principles behind Thiago's banking executive background: rigour, transparency, and a clear focus on the client's interests.
Thiago relocated from Brazil to Portugal in 2017 and bought his first Porto property in 2018 — bringing both professional expertise and firsthand buyer and investor experience to every engagement.
We work with a small number of clients at a time, so every engagement gets the attention and depth it deserves. We represent buyers and investors exclusively — never sellers or developers. Our loyalty is entirely to you.
- Cedofeita & Historic Centre
- Foz do Douro & Boavista
- Bonfim & Campanhã
- University District (Polo Universitário)
- Matosinhos & Leça
- Vila Nova de Gaia
End-to-end.
Clear steps, no surprises.
Objectives & Profile
We start by understanding your goals — lifestyle, investment, or both. Budget, timeline, preferred areas, and long-term plans shape the advisory.
Market Analysis
We provide a clear view of the Porto market and key micro-areas — pricing benchmarks, neighbourhood dynamics, and investment considerations.
Property Selection
We curate a shortlist aligned with your criteria, including opportunities shared through our trusted local network.
Viewings & Checks
We join viewings and guide the verification process — documentation, legal and financial checks, and, when needed, trusted technical partners.
Negotiation
We negotiate with rigour and discretion, grounded in data and clear priorities.
Deed & Post-Completion
We support you through completion, coordinating with your lawyer, notary, and tax advisor. We remain available after the deed for practical next steps.
Beyond direct property ownership.
For clients who want exposure to Portuguese real estate without buying a property directly, Costako can provide guidance on alternative routes — such as real estate funds and other regulated vehicles, professionally managed structures, and selected co-investment opportunities through trusted partners.
All options are assessed case by case, aligned with your profile, risk tolerance, and time horizon. We prioritise clarity, transparency, and a disciplined decision process.
We work exclusively for buyers and investors. We do not represent sellers or developers, and we remain independent from product providers. Our guidance is aligned with your interests.
Frequently asked
about buying in Porto.
What are the total upfront costs when buying property in Porto?+
Upfront costs typically include transfer tax (IMT), stamp duty (Imposto do Selo), registration and notary fees, and legal support. The total varies with price and your situation. We provide a tailored breakdown early in the advisory so you can plan with clarity.
How long does the buying process usually take from offer to deed?+
A typical timeline is 6 to 12 weeks, depending on financing, legal checks, and document readiness. Cash purchases can move faster. We manage the timeline and keep you informed at every stage.
Can non-residents get a mortgage in Portugal, and what documents are required?+
Yes. Non-residents can apply for mortgages with Portuguese banks, though terms and documentation may differ. Common requirements include proof of income, tax returns, bank statements, and ID/residency documents. We guide the process and, if needed, can connect you with trusted mortgage specialists.
What are the key checks to do before making an offer?+
Key checks include title and ownership, licences and permits, condominium documentation (if applicable), municipal records, and any red flags in the property documentation. When needed, we can introduce trusted specialists (technical, legal, and tax) and coordinate the process with them.
How does the CPCV work, and what deposit is typical?+
The CPCV (Contrato Promessa de Compra e Venda) is the binding promissory agreement that sets the conditions for the purchase. Deposits are commonly around 20% (sometimes more or less, depending on the deal and financing). We help structure fair terms and clear contingencies aligned with your interests, and we always recommend having an independent lawyer review the CPCV before signing.
Which areas in Porto are best for lifestyle vs investment goals?+
For lifestyle, areas like Cedofeita and Foz offer strong day-to-day quality of life. For investment, areas like Bonfim and the University District (Polo Universitário) can offer value and upside depending on the asset and strategy. We match neighbourhoods to your goals and risk profile.
What ongoing costs should I expect after purchase?+
Ongoing costs may include annual property tax (IMI), condominium fees (if applicable), utilities, and insurance. Costs vary by property type, building, and location. We provide realistic estimates so you can budget accurately.
Should I buy in my own name or through a company?+
Buying personally is simpler. Buying through a company can offer planning options, but adds administration and ongoing obligations. The right structure depends on residency, tax profile, and your long-term plan. We can introduce trusted tax advisors if needed and coordinate the discussion.
What should I know about short-term rentals and local rules before buying?+
Short-term rentals (Alojamento Local) are regulated and can be affected by licensing rules, tax obligations, and neighbourhood restrictions. If rental income is part of your strategy, we assess feasibility, compliance, and realistic returns before you commit.
What are the most common mistakes buyers make in Porto, and how to avoid them?+
Common mistakes include skipping checks, underestimating total costs, relying on assumptions about rental demand, and moving too quickly. We prevent these through structured due diligence, clear cost visibility, and a disciplined decision process.
Key terms
in Portugal.
A quick reference for buyers and investors.
IMT
Property transfer tax paid on purchase.
Imposto do Selo
Stamp duty applied to property transactions and certain financing.
IMI
Annual municipal property tax.
CPCV
Promissory purchase agreement that sets conditions before completion.
Escritura
The deed and formal completion of the purchase.
Registo Predial
Land registry record confirming ownership and charges.
Condominio
Building management and fees in shared properties.
VPT
Tax value used for certain calculations.
Alojamento Local
Short-term rental licensing and framework.
Licenca de Utilizacao
Use licence confirming permitted property use.
Tell us about your
property objectives.
A 30-minute call is enough to understand whether we're the right fit. No commitment, no pressure.
Book a Call