What Are the Benefits?

Eligible first-time buyers aged 35 or under may qualify for exemptions or reductions on:

• IMT (Property Transfer Tax)
• Stamp Duty (Imposto do Selo)

These taxes are normally payable when purchasing a property in Portugal.

Who Can Qualify?

To qualify for the young buyer exemption, applicants generally must:

• Be 35 years old or younger at the time of the deed signing
• Be purchasing their first permanent home in Portugal
• Not currently own another residential property (or have owned one within the applicable legal period)
• Use the property as their primary residence

The rules may vary depending on individual circumstances, so legal advice is always recommended.

Current Exemption Thresholds (2026)

For eligible buyers in mainland Portugal:

• Full exemption on properties up to approximately €330,539
• Partial exemption on properties valued between approximately €330,540 and €661,000+
• No exemption applies above the upper threshold

The exact thresholds are updated periodically by the Portuguese government and depend on the official IMT tables in force at the time of purchase.

Why This Matters

These savings can significantly reduce the upfront costs of buying a property, helping younger buyers:

• Enter the Portuguese property market sooner
• Reduce initial purchase expenses
• Increase affordability and borrowing flexibility

The initiative has been widely welcomed and continues to support first-time buyers across Portugal.

Important Considerations

The exemption only applies to:

• Permanent primary residences
• Eligible age groups and ownership status
• Purchases meeting the legal requirements at the time of completion

Because regulations and thresholds may change, buyers should always confirm eligibility with a qualified lawyer or tax advisor before proceeding.

How Predimed Smart Can Help

At Predimed Smart, we help first-time buyers navigate the Portuguese property market with confidence.

We can connect you with trusted legal and financial professionals who can:

• Confirm your eligibility
• Explain purchase costs clearly
• Guide you through the buying process step-by-step

Start Your Property Journey

Thinking about buying your first home in Portugal?

Contact Predimed Smart today and discover how these incentives could help make your purchase more affordable.