Portugal Golden Visa With Mortgage

In recent years Portugal has been offering the Portuguese Golden Visa to non-EU residence investors willing to buy real estate in Portugal or purchase a business that employs at least 5 people. With this golden visa, you receive residence permit in Portugal and can live and work there indefinitely. Additionally, when buying a property or a business with a value over €500.000 you will get Portuguese resident status by investment, eligible to obtain a second passport which also allows you to travel visa-free to numerous countries including EU Schengen space, UK and Switzerland.

The Golden Visa, also known as the Residence by Investment Program (RBI) is a way to attain residence in an EU country. Portugal introduced the Golden Visa in 2012 and enjoyed high interest from investors. There are no limitations for minimum investment, time of investment or number of entries to Portugal required. You will receive your visa quickly and get your passport stamped at a Portuguese Embassy or Consulate. The Golden Visa is the only truly global residence by investment program available in the world today; you can become a resident of Portugal without having to move there. As a result, citizenship via residency could be the most desirable option for many people with different demands and needs.

Portugal has been labelled as a very lucrative destination for foreign investors, as well as for Portuguese citizens who wish to change their citizenship into another European nationality. The golden visa program is the most sought after…

Portugal Golden Visa With Mortgage

Portugal’s Golden Visa program is one of the most popular residency by investment programs in Europe and in the world.  The program started in October 2012 and since then more than 10,000 applicants have received their Golden Visas.

What You Will Find in This Article:

Your Guide to Portugal Golden Visa

At Get Golden Visa, we helped hundreds of investors and families from 37 different countries obtain a Golden Visa in Portugal.

Contact us and speak to our independent advisors who can assist you with all your investment and Portugal Golden Visa Program related questions.

Talk to a Portugal Golden Visa Advisor

What makes Portugal Golden Visa so sought after? In a nutshell:

  • Portuguese Golden Visa provides a range of relatively affordable investment options for you to choose from in obtaining your residence permit,
  • You are only required to spend a minimum of seven days in Portugal per year,
  • Portugal Golden Visa Program gives you visa-free access to the Schengen states,
  • You can become a Portuguese citizen within five to six years,
  • Portugal is a safe, secure, affordable country with a high quality of life, solid infrastructure, superb climate, and good health and education systems.

What Is Portugal Golden Visa?

The Portugal Golden Visa program, also known as the residence permit for investment activity (ARI), is a residency by investment scheme designed for non-EU citizens.

Portugal launched the program in October 2012. The main objective was to attract international capital into the country, as it was much in need after the 2008 economic crisis. The program proved to be a great success, raising over €6 billion since then.

Portugal offers a dreamy landscape, a wide coastline, a climate full of sunshine, hospitable people, and delicious cuisine.  Better yet, it provides this high quality of life at a very affordable cost of living.  These features make Portugal a very attractive destination for international investors to invest in and obtain the right to live, work, and study in the country.

Furthermore, the Portugal Golden Visa program provides the opportunity to become a permanent resident or a citizen in Portugal in only five years.

Benefits: What Are the Benefits of the Portugal Golden Visa?

  • You can qualify for residency by investing €280,000 which is one of the lowest investment thresholds in Europe,
  • You don’t have to move to Portugal to keep your residence permit. Staying in the country for seven days on average per year will suffice,
  • You can be eligible to apply for Portuguese citizenship in five years. This is one of the quickest in Europe,
  • Once you become a Portuguese citizen, you get visa-free access to 188 countries.
Portugal Golden Visa EU Schengen Visa Countries

Travel and Visa-Free Countries

The Golden Visa permit registers you in the Schengen Area central system.  So, you can freely travel within Europe without an additional visa.

At the end of five years, if you decide to get Portuguese citizenship, you can get a Portuguese passport. The Portuguese passport allows you to travel to 188 countries without the need for a visa.

Living, Working, and Studying

Portuguese Golden Visa allows you to live, work, and study in Portugal.

If you decide to live in Portugal full-time with your Portuguese Golden Visa, then you will be required to have medical insurance.  You will, however, have full access to all public services including healthcare and education.

State schools follow the Portuguese curriculum, though there are numerous private British and American international schools.

The work permit allows you to work anywhere, as well as start and run your own business in Portugal.

Family Reunification

As the main applicant, you may extend your Portuguese Golden Visa to your family members.  The application process is simultaneous for the main applicant and the dependents.

Following members of the family are eligible to apply along with the main applicant:

  • Spouse,
  • Children under the age of 18,
  • Dependent children under the age of 26, provided that they are full-time students and not married,
  • Parents of the main applicant, if over the age of 65 years old.

Citizenship and Passport

You may apply for citizenship after five years of holding a Golden Visa in Portugal.

In order to qualify for citizenship, you must have:

  • No outstanding tax payments in Portugal,
  • Clean criminal records from Portugal and from your home country,
  • Entered and passed a basic language test in Portuguese.

Later in the article, we will touch on the specifics of the Portuguese language test.

Tax Benefits

Portugal Golden Visa Program will not bring any tax responsibility to you unless you spend more than 183 days of the year in Portugal.  In case you do, then you become a tax resident in Portugal.

Portugal has a favorable tax regime for foreigners who consider relocating to Portugal and becoming tax residents.  Through the non-habitual residency (NHR) program, the country offers certain exemptions from income tax for the first 10 years of residence. The program slightly changed in 2020, exempting foreign pensioners from getting tax breaks on their pension income.

Overall Benefits

As a Portuguese Golden Visa applicant, you have the right to live and work in Portugal, but there is no requirement to do so.  The country offers a favorable tax regime if you decide to relocate to Portugal.  With your Golden Visa, you can enjoy free travel within the European Schengen visa zone. After holding a Golden Visa for five years, you can apply for citizenship or permanent residency in Portugal, leading to a passport.  The Portuguese passport allows you to live, work, study anywhere within the European Union.

Eligibility: Who Is Eligible for a Golden Visa in Portugal?


Any non-EU/EEA/Swiss national can apply for the Portugal Golden Visa.


You’re required to be at least 18 years old and hold a clean criminal record from your home country, as well as from Portugal. The funds for the investment should arrive from outside of Portugal.

Golden Visa Minimum Investment

In order to qualify for Portugal’s Golden Visa, a qualifying investment has to be made. Investment categories include real estate, venture capital fund, transfer of capital, company formation, and donation.  Later on in this guide, you can find a list of qualifying investments.

Family Members

Under family reunification, you may extend the Golden Visa to the rest of the family members.  A comprehensive list of eligible dependents is listed in the previous section.


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