An autonomous region of Portugal with its own tax rates. Funchal and the south coast, year-round climate 18–25 °C. Up to 80% loan-to-value for non-residents.
On Madeira Portugal's IMT applies, but with a regional peculiarity: in the autonomous regions of Madeira and the Azores the scale thresholds sit around 25 % higher than on the mainland, so for many purchase prices a lower effective rate results. Add stamp duty (Imposto do Selo) of 0.8 %. For non-residents, however, the same deadline applies as nationwide: from 1 September 2026 a flat IMT rate of 7.5 % replaces the progressive scale for buyers without Portuguese tax residence (Decreto-Lei 97/2026) — with a refund option upon later tax residence. The market centres on Funchal and the sunny south coast. Portugal remains fiscally interesting via the IFICI regime, the narrower NHR successor. Important for financing: the bank finances the purchase price, not IMT and incidental costs. As of 07/2026.
Funchal — the capital, a Mediterranean old town, premium residential quarters São Martinho and Santa Luzia. Caniço — suburbs with sea views. Calheta and Ponta do Sol — the sunny western coast with the warmest climate.
Madeira has its own tax rates. IMT transfer tax slightly reduced versus mainland Portugal. The International Business Centre (Zona Franca da Madeira) offers further advantages for holdings — relevant for private buyers only with special structuring.
Portuguese banks in Madeira finance as on mainland Portugal: up to 80% loan-to-value for non-residents. Banco Santander Totta, Millennium BCP, BPI have good branch networks in Funchal.
Subtropical, very even. The “island of eternal spring”. Rarely below 16 °C, rarely above 28 °C. Year-round lettability better than at most mainland destinations.
German, British and Scandinavian buyers dominate. Little mass tourism, rather exclusive winter guests and year-round residents.
A famously spectacular landing over the Atlantic. Year-round direct flights from Frankfurt, Munich, Düsseldorf. 4 hours' flight time. No connection needed.
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.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
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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Anonymised examples of how buyers financed their property in Madeira.