Add up IMT, stamp duty and deed costs to know how much you need on top of the deposit.
Estimate of the upfront costs beyond the deposit. Does not include bank-specific fees or the deposit itself. 2026 IMT brackets for mainland Portugal.
Beyond the deposit and the instalment, there are upfront costs that catch many people out: IMT, stamp duty on the purchase and on the loan, the deed, the registrations and the property valuation.
This calculator brings it all together so you have a realistic idea of what you need to have available. The Guru helps you plan and avoid surprises on the day of the deed.
It depends on the value and the purpose, but for a main residence count on something between 7% and 10% of the property price, on top of the deposit.
It's a tax you pay on the purchase (0.8% of the value) and on the loan (0.6% of the amount financed).
No. These are the costs on top of the deposit (which is usually around 10% of the property price).
The calculator gives you an estimate. The Guru goes to the partner banks and brings you real offers, and it's free for you.