Portugal's most attractive coast for foreign buyers — the best loan-to-value ratios in southern Europe (up to 80%). 300 days of sun, the mildest winter, lettable year-round.
The pricier half. Premium resorts, golf settings, high-priced villas with sea views. British and German premium buyers dominate. Price per square metre: €4,000–8,000/m² and more in top locations.
The quieter, more original half. Considerably cheaper (€2,000–3,500/m²), more authentic, habitable year-round. Those who buy for the long term find significantly better returns and fewer tourist crowds here.
Direct flights to Cologne, Düsseldorf, Frankfurt, Munich. A day trip from Germany is possible. Faro itself offers urban infrastructure (hospitals, university) and is increasingly interesting as a place to live.
Portuguese banks: up to 80% loan-to-value for non-residents — one of the most attractive ratios in southern Europe. The bank avaliação determines the value (which can differ from the purchase price). Terms up to 30 years possible. Purchase costs 7–10% (IMT, IS, notary, NIF).
Even in January rarely below 12 °C. 300 days of sun a year. Year-round lettability or personal use possible.
British buyers still active despite Brexit. German and Dutch communities growing. An ideal market for my multilingual advice.
The old NHR regime ended in 2024. Its successor, IFICI, applies only to highly qualified employees. For classic buyers, standard tax law now applies. Clarification with a tax adviser recommended.
East Algarve typically 5–6% due to lower purchase prices. West Algarve typically 3–5%. An AL licence (Alojamento Local) is required for tourist letting, regulated locally.
Concrete sample calculations for typical foreign buyers — as a guide for your own plan.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
Pre-filled with typical values for this region — adjust and calculate.
⚠️ Guide value without guarantee. Spain: max. 70%, Portugal: max. 80% loan-to-value for non-residents. Purchase costs = ITP/IMT + notary + land registry + lawyer + NIE/NIF. Total outlay = equity + purchase costs + all payments over the term. For a binding offer, contact us.
Financing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
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Author & regulatory separation. Content author: Siegfried Perini. Mortgage brokerage in Spain and Portugal is carried out under the §34i permit of Olga Nikushkina (BAFA-notified). This page does not replace legal or tax advice.