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Buying Property in Portugal
From Algarve villas to Lisbon apartments, a Portuguese purchase hinges on the GBP/EUR rate at completion. Aetas Global locks in institutional rates early, and keeps your D7 visa income transfers on track.
Portugal has become one of the most sought-after destinations for UK relocators, retirees, and investors. Property in Lisbon, the Algarve, and Porto draws British buyers, while the D7 visa requires demonstrable regular income transferred into Portugal.
Aetas Global provides institutional GBP/EUR rates, forward contracts for property completions, and documented recurring transfers that support D7 visa income requirements.
The Process
You sign a promissory contract (CPCV) and pay a deposit. Lock a forward contract to fix the rate for the balance at the final deed.
The balance is paid at the notary. With a forward contract, your Sterling cost is fixed regardless of GBP/EUR movement.
Set up recurring transfers to demonstrate D7 income and cover ongoing Portuguese living costs at a consistent rate.
Costs & Legal
Portuguese property transfer tax (IMT) and stamp duty (Imposto do Selo) add up to ~8% on residential property, paid in Euros before the deed.
The D7 visa requires proof of stable passive income transferred into Portugal. We provide documented, recurring transfers to support your application.
Property-based Golden Visa routes have closed, but investment-fund and other options remain. We advise on the currency side regardless of the route.
Currency Timing
A Portuguese purchase can complete in 1–3 months. In that window GBP/EUR volatility can shift your Sterling cost by thousands on a typical property. A forward contract removes that risk.
For D7 applicants, consistent monthly transfers at a pre-agreed rate both demonstrate income stability and protect you from adverse rate moves over time.
After Completion
IMI property tax, utilities, condominium fees, and living costs are paid in Euros. A recurring transfer plan handles them at a competitive, predictable rate.
Rental yield from a Portuguese property can be repatriated to GBP at institutional rates, keeping more of your income rather than losing it to bank spreads.
Frequently Asked Questions
Use a specialist currency provider. Aetas Global gives you institutional GBP/EUR rates up to 4% better than retail banks, with a forward contract for completion and documented recurring transfers for D7 visa income.
The Difference
Feature
Aetas Global
Institutional FX
Retail Bank
High-street transfer
GBP/EUR Rate Margin
Completion Rate-Lock
Transfer Fees
Dedicated Specialist
Settlement Speed
GBP/EUR Rate Margin
Aetas Global
Your Bank
Completion Rate-Lock
Aetas Global
Your Bank
Transfer Fees
Aetas Global
Your Bank
Dedicated Specialist
Aetas Global
Your Bank
Settlement Speed
Aetas Global
Your Bank
Comparison based on typical high-street bank retail FX pricing vs. Aetas Global institutional rates. Actual savings vary by currency pair and transfer amount.
Get Started
Tell us about your Portugal property purchase and a dedicated specialist will be in touch. No obligation, no hidden fees, just institutional GBP/EUR rates and expert timing guidance.
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