Safe and Transparent Guidance for International Buyers

At Our Home Portugal, we believe that buying a home should be a calm, informed, and protected experience. For our international clients — including U.S. citizens — we’ve gathered the most important answers about safety and fraud prevention in the Portuguese real estate market.

🛡️ 1. Is it safe for foreigners to buy property in Portugal?

Yes. Portugal is considered one of the most transparent real estate markets in Europe. Still, as in any country, risks exist — and they can be avoided with proper information, professional guidance, and thorough document verification.

🧾 2. How can I confirm that the seller is the real owner?

The safest way is to request the property’s Certidão Permanente (Permanent Certificate). This official document confirms:

• Who legally owns the property

• Whether there are mortgages, liens, or legal actions

• The full legal status of the property

At Our Home Portugal, we verify these details before any commitment is made.

🏢 3. How do I know if a real estate agency is legitimate?

In Portugal, all real estate agencies must hold an AMI license, issued by the national regulator IMPIC. We recommend checking:

• The AMI license number

• The agency’s reputation and track record

• Transparency in communication

• A consistent and credible digital presence

Working with licensed professionals is the first line of defense against fraud.

👩‍⚖️ 4. Do I need an independent lawyer?

Yes — and it is strongly recommended. A lawyer specializing in real estate will:

• Verify all legal documents

• Review contracts (CPCV and final deed)

• Protect your deposit and your rights

• Accompany you through the entire buying process

For international buyers, this is an essential layer of security.

🏗️ 5. How can I avoid issues with new builds or properties under construction?

Before moving forward, always confirm:

• Construction licenses issued by the local municipality

• The developer’s history and completed projects

• Mandatory legal guarantees

• Clear timelines and contractual conditions

Reputable developers have a public portfolio and a verifiable reputation.

💸 6. How can I ensure my payments are safe?

For your protection:

• Never make cash payments

• Avoid transfers to personal accounts

• Always require a formal contract before paying any deposit

• Use traceable banking methods

At Our Home Portugal, all payments follow secure and transparent procedures.

🔍 7. How can I spot a potentially fraudulent listing?

Common red flags include:

• Prices far below market value

• Repeated or inconsistent photos

• Pressure to pay quickly

• Lack of documentation or vague answers

• Sellers who avoid in‑person visits

If something feels “too good to be true,” it deserves extra caution.

8. Are there specific risks for American buyers?

Yes — mainly online scams targeting foreign buyers. To avoid problems:

• Work only with licensed agencies

• Request official documentation

• Avoid upfront payments without a contract

• Always confirm the identity of all parties involved

Our Home Portugal guides you through every step to ensure complete safety.

📑 9. Quick Safety Checklist

✔ Certidão Permanente verified ✔ AMI license confirmed ✔ Independent lawyer hired ✔ Secure, documented payments ✔ Construction licenses validated ✔ Clear, signed contracts ✔ Developer or seller history reviewed

🤝 10. How does Our Home Portugal protect its clients?

We combine local expertise, rigorous document checks, and personalized guidance. Our commitment is simple: total transparency, clear communication, and safety at every step of your journey.