Cost calculator
What it costs to buy, and what it should earn.
Move the sliders. Taxes use the 2026 mainland rates for a home you'll let, not live in.
How you'll pay
Non-residents usually need 30% or more.
For a home you'll let, not live in. IMT uses the 2026 mainland table. Buying through a company, or in the Azores or Madeira, changes the rates.
Total to buy
€327,942
Estimates. We confirm every amount in writing before you sign anything.
Price€312,000
Property transfer tax (IMT)Rate for a home you'll let€12,446
Stamp duty0.8% of the price€2,496
Notary and land registry~€1,000
Mortgage costsStamp duty on the loan, valuation, bank fees~€2,310
Properseas feePaid by the selling agency€0
Cash up front€111,852
Est. monthly repayment€993
Est. kept per year€10,604
Est. net yield3.4%
How we estimate what you keep
Rent less one empty month, our 10% fee, IMI, condominium, insurance and repairs. Before income tax.
What isn't included
A lawyer, a building survey, furniture and any renovation. Your advisor adds them to your own cost sheet.
Want it checked?
Send us a listing link and we'll send back the real numbers, usually the same day. Book a free call