It lives on WhatsApp
No app, no login, no portals. Tell it what you want in your own language; it does the rest and keeps you posted.
AI property concierge for buying in Portugal
Your Portuguese home, run for you.
Buy in Portugal from abroad, in your language, without being ripped off. One assistant on WhatsApp runs your whole purchase, from first brief to keys, and coordinates the mortgage broker, lawyer, agencies and inspector for you.
The private team wealthy buyers have always had, now for everyone.
- Nothing to pay upfront
- Flat fee, full transparency
- Works in WhatsApp alone
Casa Conciergeonline
Hi! We're a couple in Dublin. We'd like a 2-bed near Lagos, up to €450k, as a holiday home we'd rent out sometimes.
Welcome! Three quick questions so I can plan your purchase: 1) Cash, a Portuguese mortgage or a loan from home? 2) Where are you tax resident? 3) When would you like the keys?
Mostly cash. Ireland. Next spring 🌞
Got it. Your plan has 12 steps (the mortgage step is off). Step 1 today: your Portuguese tax number (NIF) through our lawyer partner. I'll send you the forms.
📍 Today's picks: 3 homes. ⚠️ Home #2 is listed by 3 agencies at different prices: I've flagged the cheapest listing. Price history and nearby sales are on your private page 🔗
The offer
One assistant. The whole purchase. Brief to keys.
Buying a home in Portugal from abroad means juggling portals, several agencies, a lawyer, a bank, a tax number, a notary and deadlines, often in a language you don't speak. We take all of that off your hands.
It runs the process
Search, viewings, offer, legal checks, contract, mortgage, deed, move-in. Every step planned, chased and tracked.
It coordinates people
A vetted network of licensed partners does the work that needs a professional. The AI handles every message between them and you.
It checks everything
Duplicate listings, price history, recent nearby sales, missing licences or energy certificates. Flagged before you fall in love.
Who it's for
Foreign buyers first.
People who buy in Portugal for the life it offers, not just the yield.
Holiday-home buyers
A place for the family, often rented out when you're not there.
Relocators
Moving to Portugal for work, retirement or a new chapter. American relocators are the fastest-growing group.
Buying from abroad
You can't fly in for every viewing, signature and bank meeting, and don't want to.
Focus regions (planned)
- Algarve
- Cascais & Lisbon
- Madeira
First languages and markets (planned)
- 🇺🇸 United States
- 🇬🇧 United Kingdom
- 🇮🇪 Ireland
- 🇫🇷 France
- 🇩🇪 Germany
- 🇧🇷 Brazil
Local buyers come next, on the same engine.
The market
A small share of deals, a large share of value.
- 8,471
- purchases by buyers taxed abroad in 2025 (−13.3% on 2024)
- €3.4bn
- total value of those purchases
- 8.2%
- of all purchase value, from just 5% of purchases
- €335k / €470k
- average price paid by EU / non-EU buyers
Source: INE (Statistics Portugal), 2025 data. ine.pt
Why they buy: agency data
- Algarve luxury
- 50–60% holiday homes · 25–30% investors · 10–20% main homes
- Cascais
- about 60% main homes
- Lagos
- about 80% bought without a mortgage
Agency data from Engel & Völkers market commentary. There is no national survey of buyer motives, so treat these as indicative.
How it works
A journey that adapts to you.
Your first conversation sorts four things: how you're funding (Portuguese mortgage, a loan from home, or cash), where you live, why you're buying and when. Steps then switch on or off, so you only do what your purchase needs.
Try it: build your plan
Your plan: 12 of 13 steps active
AIPartnerYou decide
1Prepare
Step 1: Brief
A conversation about what you want, your budget, timing and how you're paying.
Not needed for your plan
Step 2: Funding
Mortgage pre-approval through our partner broker.
Proof of funds, anti-money-laundering checks and a currency-transfer partner for better exchange rates.
Not needed for your plan
Step 3: Tax number and bank
Your Portuguese tax number (NIF), always needed. A Portuguese bank account is offered, not required. Handled by our lawyer partner.
+ a tax representative, required if you live outside the EU.
Not needed for your plan
2Find and offer
Step 4: Search and checks
Every portal and agency, duplicates removed, prices checked, daily picks.
Not needed for your plan
Step 5: Agents and viewings
We contact the agents and book the viewings for you.
Not needed for your plan
Step 6: Viewings
With the listing agent, or for buyers abroad a local partner doing a live video tour with our checklist.
Not needed for your plan
Step 7: Offer
The AI suggests a price with the evidence. You decide. The listing agency passes it to the seller.
Not needed for your plan
3Secure
Step 8: Legal checks and inspection
Land registry, debts and licences checked by the lawyer. Survey by an inspector.
Not needed for your plan
Step 9: Pre-contract (CPCV) and deposit
Prepared and signed with the lawyer, with power of attorney if you can't be there.
Not needed for your plan
Step 10: Loan and valuation
Bank valuation and final mortgage approval, through the broker.
Not needed for your plan
Step 11: Deed (escritura)
Signed with the lawyer, notary and bank. The AI checks taxes and that everything is ready.
Not needed for your plan
4Settle
Step 12: Move in
Insurance, utilities and movers, arranged with partners.
Not needed for your plan
Step 13: After the keys
Property manager or rental partner, the IMT refund deadline, a moderate-rent let and short-term rental licence checks.
Not needed for your plan
People step in for the mortgage, tax number, viewings, legal work, signing and inspection.
The AI does all the coordination, chasing and communication, around the clock.
Why us
Everyone else helps you search, or helps the agent. We work for you after the search.
Portals now offer AI search inside ChatGPT. Agency networks and startups use AI to help their agents. Buyer's agents barely exist in Portugal: the seller pays the agency (around 5% plus VAT), the same home is often listed by several agencies, and the agent showing it owes you no loyalty. Nobody runs the whole journey for the buyer. That's what we do.
| Property portals | Listing agent | Buyer's agent | Casa Concierge | |
|---|---|---|---|---|
| Works for | You, for search | The seller | You | You |
| Finds homes | ✓yes | Own listings | ✓yes | ✓yes |
| Flags the same home listed at different prices | –no | –no | partly | ✓yes |
| Price history and nearby sales | partly | partly | partly | ✓yes |
| Coordinates lawyer, broker, inspector, notary | –no | partly | partly | ✓yes |
| Plans your IMT refund and tracks deadlines | –no | –no | partly | ✓yes |
| On WhatsApp, in your language, from abroad | –no | partly | partly | ✓yes |
| Cost to you | Free | Paid by seller | Varies, rare in Portugal | Flat fee, cashback |
General comparison of roles in the Portuguese market, not of any specific company.
Checks on every home we show you
Same home, several listings
We spot the same property listed by different agencies at different prices, and flag the cheapest.
Price history
How long it has been for sale and how the asking price has moved.
Nearby sales
The asking price compared with recent sales close by.
Red flags
Missing habitation licence or energy certificate, and other gaps, before you go further.
Real money on the table
The 7.5% non-resident IMT, and the route to getting it back.
Since around 25 May 2026, under Decree-Law 97/2026, buyers who are not resident in Portugal pay a flat 7.5% property transfer tax (IMT). As we understand the rules, the difference can be refunded if you:
- become tax resident in Portugal within 2 years, or
- let the home within 6 months at a moderate rent (€2,300 a month or less) for 36 of the first 60 months.
Most former residents and emigrants are exempt. We plan your route to the refund from day one and track every deadline, so it doesn't slip.
ⓘ General information only, not tax or legal advice. Rules may change; your lawyer partner confirms how they apply to you.
What we bring
A network of trusted partners, coordinated for you.
We don't hire a team. We work with independent professionals, each doing what they're licensed to do.
Casa ConciergeWhatsApp
- Mortgage brokerRegistered with Banco de Portugal.
- Property lawyerChecks, CPCV, deed, power of attorney, tax number, tax representative.
- Listing agenciesA small group of 3–5 partner agencies.
- Video viewersLocal freelancers who tour homes live for you.
- InspectorIndependent survey before you commit.
- InsurerHome insurance ready for the deed.
- MoversFrom your old door to your new one.
- Property managerCare and rentals when you're away.
- Currency transferBetter rates than a bank transfer.
Optional, through partners: help with the IFICI tax regime (20% flat tax for qualifying jobs, not for retirees) and D7 / D8 visas.
How it works for partners: WhatsApp only
- No new softwarePartners stay on WhatsApp. No app, no portal, no login.
- One-to-oneThe AI messages each partner directly, with the buyer's file and exactly what's needed.
- Reads anythingReplies, voice notes and PDFs. It files them and moves the deal on.
- Chases politelyFollow-ups happen automatically, so nothing waits. Email as a backup for banks.
Your private page
A companion page. No login.
Everything works in WhatsApp alone. When you want the bigger picture, open your private link.
- Shortlist side by side
- Map
- Price histories
- Checks and red flags
- Your documents
- A simple purchase timeline
🔒 Reached by a private link sent in WhatsApp. On a new device, a one-time code arrives in WhatsApp.
- Brief agreed (done)
- Tax number (NIF) issued (done)
- Mortgage approved (done)
- Offer accepted (done)
- CPCV signed (done)
- Deed booked (in progress)
- Keys
Pricing
One flat fee. Nothing upfront.
€2,000flat fee, paid by you, the buyer
- No upfront payment
- One fee for the whole journey, brief to keys
- Cashback: anything the seller's agent shares with us goes back to you
- Partner professionals (lawyer, notary, inspector, bank) are paid as usual for their own services
Where it's going
One engine, more journeys.
- Now
Foreign buyers
Holiday homes and relocation.
- Next
Local buyers
The same concierge for people already in Portugal.
- Then
Sellers
Through a licensed estate agency partner.
- Then
Heirs abroad
A decree approved on 22 Oct 2026 (not yet in force) would let any heir force the sale of an inherited home after two years, with online auctions as a fallback. Help for heirs abroad, and more renovation and auction homes for buyers.
- Later
Rental and property management
Ongoing care for the homes we help buy, and an app for long-term clients.
Good to know
Questions
Are you an estate agency?
No. We're a concierge that works for the buyer. Anything that needs a licence, such as negotiating for a seller, legal work, credit or valuations, is done by licensed partners.
Do I need to speak Portuguese?
No. You talk to the assistant in your language; it handles the Portuguese side with partners, agents and offices.
Do I need to install anything?
No. It works in WhatsApp. The private page opens in any browser, without an account.
Who makes the decisions?
You do. The AI suggests, explains and chases. It never makes an offer or signs anything without you.
Is the tax information advice?
No. It's general information. Your lawyer partner confirms how the rules apply to your case.
Buying in Portugal soon?
We're opening to a first group of buyers. Join the waitlist and we'll be in touch.
WhatsApp number coming soon
Join by email