Set along the tranquil Ria Formosa lagoon, this charming city has long been overshadowed by flashier resort towns. But Faro is quietly becoming a buyer’s favourite – offering a more authentic year-round lifestyle, good transport links, and excellent value for money compared to coastal hotspots further west.

Whether you’re looking for a holiday apartment, a full-time base or a long-term investment, Faro delivers. From the cobbled streets of the old town to marina-front developments and peaceful countryside villas, the property market here has real variety – and a slower pace that suits second-home buyers and relocators alike.

In this article, we explore what makes Faro so special – including property prices, local lifestyle, standout neighbourhoods and practical steps to buying a home in this sunny southern city.

Contents

• Why buy property in Faro?
• Property types and what you can get for your money
• Best areas and parishes to buy property in Faro
• Lifestyle, climate and outdoor living
• Year-round appeal and long-term potential
• Ownership costs and ongoing expenses
• How to buy property in Faro
• FAQs about buying in Faro
• Start your property journey in Faro

If you buy property in Faro, you will gain a home that is in the heart of the Algarve

Why buy property in Faro?

Faro is the administrative and cultural heart of the Algarve – and one of Portugal’s most liveable cities. It offers all the benefits of coastal living, without the seasonal crowds of nearby beach resorts. With its historic walled centre, vibrant marina, and strong transport links, Faro is increasingly popular with overseas buyers seeking a balance of charm, convenience and year-round life.

The city is home to Faro International Airport – the main air hub for the Algarve – and sits along the regional train line, making it one of the best-connected places in southern Portugal. It’s also at the heart of a growing urban corridor alongside Loulé and Olhão, with a planned metro system and investment in housing, services and infrastructure.

Unlike purpose-built tourist towns, Faro is a working city with a resident population and strong local economy. That translates to better amenities, schools, healthcare and transport – as well as stable property demand outside of the summer high season.

With the Ria Formosa natural park on its doorstep and a reputation for sunshine, seafood and slower living, Faro offers an unbeatable combination for buyers wanting a slice of the Algarve with long-term potential.

For a closer look at the whole purchase process, claim your free copy of our Portugal Buying Guide:

Download now

Property types and what you can get for your money

Faro’s property market is varied and still offers excellent value compared to other parts of the Algarve. Whether you’re seeking a coastal holiday apartment, a full-time home near schools and services, or a countryside villa with views, there are plenty of options to suit a range of budgets.

In the historic old town (Vila-Adentro), you’ll find renovated townhouses and character apartments with original features like stone arches and tiled facades. These properties appeal to lifestyle buyers and boutique investors but are limited in supply and often come at a premium.

More modern apartments and duplexes can be found in neighbourhoods like Montenegro and São Pedro, often with balconies, underground parking and access to public transport. Prices here typically start around €200,000–€250,000 for a two-bedroom apartment, rising to €400,000+ for new-builds or larger homes in prime locations.

If you’re after more space, look to Estoi or Santa Bárbara de Nexe for villas and quinta-style homes. Detached properties with gardens and pools can range from €400,000 to over €1 million depending on size, views and condition.

Buyers who act early can still find value in up-and-coming zones around the university or future Metro stops, where regeneration and demand are growing.

Best areas and parishes to buy property in Faro

Faro is divided into four parishes, each offering something different in terms of lifestyle, property types, and price points. Whether you’re seeking historic charm, modern convenience, or rural peace, you’ll find a setting to suit your goals.

Sé e São Pedro forms the heart of Faro, covering the historic old town, marina, and city centre. Expect character homes, walkable streets, and easy access to cafés, markets and cultural venues. This area suits buyers who prioritise atmosphere and location, though parking and space can be limited.

Montenegro, close to the airport and university, is popular with families and rental investors. It’s one of Faro’s more modern areas, with apartments, villas and proximity to Faro Beach. You’ll also find good schools, supermarkets and growing demand from professionals and students alike.

Conceição e Estoi offers a more traditional setting. Think whitewashed villas, cobbled lanes and views across the hills. This area is ideal for those seeking a quieter, rural feel – while still being within 15–20 minutes of central Faro.

Santa Bárbara de Nexe lies further inland, popular with expats and retirees. With its spacious villas, country lanes and peaceful pace, it’s a favourite for those looking for privacy, gardens and Algarve sunshine all year round.

Lifestyle, climate and outdoor living

Faro offers the best of southern Portugal’s lifestyle – sunny skies, laid-back days, and easy access to coast and countryside. As a city with over 3,000 hours of sunshine per year, it’s one of the sunniest places in Europe. Summers are long, hot and dry, while winters are short and mild, with daytime temperatures often reaching 15–20°C.

Faro is surrounded by the Ria Formosa Natural Park, a vast lagoon system that protects the coast and provides a haven for birds, boaters, and beachgoers. Whether you’re kayaking through channels, birdwatching for flamingos, or walking the trails, the area is ideal for outdoor living. The nearby islands of Culatra, Farol and Deserta are only reachable by boat and offer pristine beaches and a peaceful escape from the mainland.

Within the city, Faro is known for its vibrant marina, historic core, lively food markets, and café culture. You’ll find a relaxed yet cosmopolitan feel, especially as the city increasingly attracts digital nomads, young families and retirees from across Europe.

With fresh seafood, local produce, and a slower pace of life, Faro offers all the charm of the Algarve – without the resort-town intensity.

Year-round appeal and long-term potential

Unlike some Algarve resorts that quieten down outside of summer, Faro stays active all year. It’s a regional capital with universities, a growing international population, and a real sense of everyday life – not just seasonal tourism.

Faro International Airport welcomes nearly 10 million passengers annually, with direct flights across Europe, including budget carriers. This makes it easy to visit year-round and ensures strong potential for both short-term holiday lets and longer stays. The planned Algarve Metrobus system, which will connect Faro with Loulé and Olhão, is set to boost local infrastructure and accessibility by 2029.

The University of the Algarve brings students and academic staff into the housing market, supporting steady rental demand even outside peak seasons. Faro’s proximity to the Ria Formosa and its thriving ecotourism industry also attracts nature lovers, digital nomads, and retirees seeking sunshine with substance.

With ongoing investment, strong connectivity, and a lifestyle that’s both laid-back and lively, Faro is positioning itself as one of the Algarve’s best long-term bets – not just for holidays, but for full-time living and sustainable returns.

Ownership costs and ongoing expenses

Buying a property in Faro comes with relatively manageable ownership costs, especially when compared to larger cities or Algarve resort towns. However, budgeting correctly for both purchase and ongoing expenses is essential.

The main annual cost is the IMI (Imposto Municipal sobre Imóveis), a local property tax based on the property’s rateable value. Most homes fall between 0.3% and 0.45%, with exemptions available for energy-efficient properties or first-time buyers in certain categories. Luxury homes may be subject to AIMI (additional property tax) if valued above €600,000 individually or €1.2 million jointly.

Apartment owners will also pay condominium fees to cover shared services such as lift maintenance, cleaning, and common area repairs. These typically range from €30 to €100 per month, depending on the building’s facilities and location.

You should also budget for insurance, utilities (water, gas, electricity), and if applicable, property management or lettings support. For short-term rentals, ensure your property qualifies for an AL (Alojamento Local) licence, though Faro’s restrictions are less tight than in Lisbon or Porto.

Planning a budget? Consider locking in favourable exchange rates with a forward contract – especially for larger transfers like deposits or renovations. Speak to a currency specialist to explore your options.

How to buy property in Faro

Buying property in Faro follows the same legal process as elsewhere in Portugal and is open to all foreign buyers. You’ll first need a NIF (Número de Identificação Fiscal) – your Portuguese tax number – which is required to open a bank account and complete the purchase.

Once you’ve found a property, your lawyer or agent will carry out due diligence, check land registry records and draft the promessa de compra e venda (preliminary contract). This is usually signed with a 10% deposit. Final completion takes place at a notary’s office, where the deed (escritura) is signed and the remaining balance paid.

The process generally takes 4–8 weeks. New-build or off-plan purchases follow a slightly different structure (VEFA), with staged payments and completion upon handover. A lawyer is highly recommended throughout.

If you’re planning to let the property as a holiday rental, check licensing requirements for an AL (Alojamento Local) licence. Restrictions are less strict in Faro than in Lisbon or Porto, but rules vary between parishes.

Start your property journey in Faro

Explore property for sale in Faro – from modern marina apartments to historic townhouses and country villas. Want help narrowing your search? Book a free consultation with one of our local property experts.

If you’ve still not picked what part of the country you want to call home, use our other location guides to work out where to buy property in Portugal. For greater detail on the process, read our how to buy property in Portugal articles. And for a sense of life after the move, we’ve a collection of resources on living in Portugal.

FAQs about buying in Faro

Can foreigners buy property in Faro?

Yes. Portugal has no restrictions on foreign property ownership. The process is transparent, safe, and open to buyers from anywhere in the world. You will need a NIF number and a local bank account to get started.

Is Faro a good place to live year-round?

Absolutely. Faro is a working city with a resident population, international airport, university, and strong infrastructure. It stays vibrant beyond the summer season, making it ideal for permanent living as well as holidays.

What are typical property prices in Faro?

Two-bedroom apartments in good areas typically range from €200,000 to €400,000. Detached villas with land can start from €450,000 and go above €1 million in more sought-after areas like Estoi or Santa Bárbara de Nexe.

Can I rent out my property as a holiday let?

Yes – Faro allows short-term holiday lets (Alojamento Local), though licensing is required. Rules vary between parishes, so it’s important to check local guidelines before committing if rental income is part of your plan.

What are the ongoing costs of owning a home in Faro?

Expect to pay IMI property tax (typically 0.3–0.45% annually), utility bills, condominium fees (if in a shared building), and insurance. Most owners also budget for occasional maintenance and, if renting, management fees.

The post Buying property in Faro in 2025 – everything you need to know appeared first on Your Overseas Home.

Whether you’re a digital nomad, lifestyle investor, retiree, or remote-working family, Lisbon’s appeal is clear: it’s safe, sunny, well connected and packed with personality. You’ll find strong long-term rental demand, stable capital growth, and a property market that continues to attract international buyers looking for charm, convenience and coastal access.

In this article, we explore Lisbon’s most popular districts, typical property types, costs, and the process of buying – so you can make an informed decision about finding your place in Portugal’s most iconic city.

Contents

• Why buy property in Lisbon?
• Property types and what you can get for your money
• Best neighbourhoods to buy in Lisbon
• Lifestyle, climate and culture
• Year-round appeal and long-term potential
• Ownership costs and ongoing expenses
• How to buy property in Lisbon
• FAQs about buying in Lisbon
• Start your property journey in Lisbon

Buying a property in Lisbon means owning a home in Portugal’s bustling capital

Why buy property in Lisbon?

Lisbon is not just Portugal’s capital – it’s one of Europe’s most exciting cities to live, invest and retire in. As a global city with deep historic roots, it offers a compelling mix of old-world beauty and modern infrastructure. With around 3 million people in its wider metropolitan area, Lisbon accounts for nearly a third of Portugal’s population and economic activity.

The property market here is dynamic and internationally appealing. Foreign buyers are drawn by the lifestyle, climate, and cityscape – while investors appreciate Lisbon’s status as a tech and tourism hub, supported by international schools, transport links and EU residency options.

Lisbon is also a relatively safe capital to invest in, with stable governance, a transparent legal system and no restrictions on foreign ownership. Despite rising prices, it still offers better value than other Western European capitals – particularly when looking at restored character apartments, riverfront developments or buy-to-let opportunities in growing districts.

Whether you’re searching for a pied-à-terre, a relocation base, or a smart investment in a city that still feels deeply human, Lisbon makes a persuasive case.

For a closer look at the whole purchase process, claim your free copy of our Portugal Buying Guide:

Download now

Property types and what you can get for your money

Lisbon offers a wide mix of property styles to suit a range of budgets and buyer priorities. From renovated Pombaline apartments in the historic centre to sleek new builds in riverside Parque das Nações, there’s no single Lisbon market – rather, a collection of micro-neighbourhoods each with their own appeal.

In central districts like Alfama, Bairro Alto, and Chiado, expect to find period buildings with high ceilings, decorative tiles, and wrought-iron balconies. Prices in these areas are among the highest, often starting at €500,000 for a one-bedroom and climbing into the millions for large penthouses or prime-view homes. Some are tightly restricted by local heritage rules, so renovation opportunities are limited but valuable.

More affordable options exist in up-and-coming districts like Beato and Alcântara, where old warehouses and industrial buildings have been transformed into lofts, duplexes and modern flats – ideal for buyers seeking long-term growth and rental demand.

Further out, areas like Benfica or Marvila offer family-sized apartments from under €300,000, often with balconies and parking. New developments with energy efficiency and shared amenities are increasingly popular with remote workers and expats looking for modern convenience and value.

Whether you’re investing or relocating, Lisbon’s property market offers character, variety and capital appreciation potential.

Best neighbourhoods to buy property in Lisbon

Lisbon is a city of neighbourhoods – each with its own character, architecture and pace. Whether you’re looking for old-world charm, urban convenience, riverside living or creative regeneration, there’s a bairro to match your priorities.

Alfama is the city’s oldest district, known for its narrow cobbled lanes, Fado bars, and hilltop views. Properties here are full of charm and history, with tiled facades and wrought-iron balconies. It’s perfect for lifestyle buyers, though heritage restrictions can limit renovation flexibility.

Bairro Alto and Chiado offer a livelier urban atmosphere, mixing nightlife, theatres and boutique shopping. Apartments here can be expensive but are in demand among tourists and expats, making them strong rental performers.

Alcântara and Beato are regeneration hotspots. With riverside warehouses turned into galleries, coworking spaces and lofts, these areas are popular with young professionals and creative entrepreneurs. Properties here often offer better value and growth potential.

Parque das Nações is Lisbon’s most modern district. Think glass-fronted apartments, green spaces and riverfront promenades – ideal for those seeking comfort, parking and newer construction.

Other popular areas include Estrela for leafy avenues and embassies, and Graça or Marvila for up-and-coming charm with capital appreciation potential.

Lifestyle, climate and culture

Lisbon is a capital that lives outdoors. With over 2,800 hours of sunshine a year and mild winters, the climate supports a relaxed, sociable lifestyle – from café terraces and miradouros (viewpoints) to riverside cycling and long seafood lunches by the sea.

The city’s Mediterranean feel is matched by Atlantic influence. Summers are hot and dry, with breezes from the coast, while winters are cool and rainy, but rarely cold. With temperatures rarely dipping below 10°C, Lisbon is a year-round city where life carries on comfortably in every season.

Culturally, Lisbon blends centuries of heritage with cutting-edge design. Historic tramlines pass tile-covered townhouses, while new galleries, concert halls and creative districts add a contemporary pulse. You’ll find everything from fado bars and open-air cinemas to international film festivals, art biennales and global music acts.

Food is central to Lisbon’s identity. Whether it’s a pastel de nata in Belém, a bacalhau dish in Alfama or fusion cuisine in Beato, dining is affordable, diverse and consistently excellent. The city is walkable, welcoming and increasingly multilingual, with a strong international community and a laid-back pace that invites you to stay longer than planned.

Year-round appeal and long-term potential

Lisbon isn’t just a summer destination – it’s a thriving year-round capital with a strong economy, growing population and expanding international profile. With over 3 million people in the wider metropolitan area, it’s the cultural, political and business heart of Portugal.

The city’s appeal goes beyond tourists. Lisbon is a magnet for remote workers, entrepreneurs and international students, with a strong digital infrastructure, co-working culture and world-renowned events like Web Summit. Its global status brings steady rental demand and makes it one of Portugal’s most reliable markets for long-term investment.

Property here is especially attractive for those seeking income potential. Long lets, student housing, and short-term holiday rentals (in areas where permitted) all perform well – particularly in well-connected neighbourhoods like Avenidas Novas, Alcântara and Parque das Nações.

Lisbon also benefits from Portugal’s residency and visa pathways, which have historically attracted foreign investors. While Golden Visa rules are evolving, Lisbon remains a focal point for international buyers drawn to its blend of urban buzz, coastal beauty and long-term stability.

Whether you’re buying to live, let, or a little of both, Lisbon offers one of Europe’s strongest city-living propositions.

Ownership costs and ongoing expenses

Compared to other European capitals, Lisbon offers relatively low annual property costs – but it’s still important to factor in all recurring expenses when budgeting for a home here.

All owners pay IMI (Imposto Municipal sobre Imóveis), a municipal property tax based on the property’s tax value. Rates range from 0.3% to 0.45% annually for urban properties, though exemptions are available for energy-efficient or low-value homes. You may also encounter a stamp duty on your purchase and an annual wealth tax on properties valued above €600,000 (or €1.2 million for couples).

Other costs include condominium fees (for shared buildings), home insurance, utilities, and maintenance. If you plan to let the property short-term, be aware that licensing rules in Lisbon are evolving and subject to local council approval. Letting platforms may also charge service fees.

If you’re buying from abroad, fluctuating exchange rates can also impact your ongoing payments. For predictable budgeting, many buyers choose to use a currency forward contract to lock in an exchange rate for major transfers like deposits and renovation work.

Overall, Lisbon offers good value, but like any property purchase, full transparency on costs is key to a smooth and confident investment.

How to buy property in Lisbon

Buying property in Lisbon is a straightforward process for international buyers – but it helps to understand the key steps before you begin.

First, you’ll need to obtain a NIF (Número de Identificação Fiscal) – a Portuguese tax number – which is essential for any financial transaction in Portugal. You’ll also need a Portuguese bank account to handle payments. Many buyers choose to work with a local lawyer to assist with due diligence and to ensure contracts are correctly reviewed.

Once you’ve found a property, you’ll sign a promessa de compra e venda (preliminary contract) and typically pay a 10% deposit. This agreement sets out the terms and timeline for the sale. Completion usually takes 4–8 weeks and is handled by a notary who oversees the legal transfer and payment of taxes.

There are no restrictions on foreign ownership. However, rules around rental licensing (especially short-term holiday lets) can vary by neighbourhood, so it’s essential to check local regulations before committing.

Start your property journey in Lisbon

For a broader overview of the process, visit our guide to how to buy property in Portugal. If you’re still researching the country, we’ve collected together all of our location guides to help you choose where to buy property in Portugal. Or, if you want to you know about your life after the move, be sure to read our articles on living in Portugal.

Ready to take that next step? Speak with one of our expert consultants for personalised guidance or explore our curated listings of property for sale in Lisbon – from riverfront apartments and historic townhouses to investment-ready new builds.

FAQs about buying property in Lisbon

Can foreigners buy property in Lisbon?

Yes. There are no restrictions on foreign buyers purchasing property in Lisbon. The legal system is transparent and the process is well regulated. You’ll need a Portuguese tax number (NIF), a local bank account, and a notary to finalise the transaction.

Is Lisbon a good place to invest in property?

Absolutely. Lisbon has strong year-round rental demand from students, professionals and tourists. It also benefits from ongoing infrastructure investment and long-term population growth. Areas like Beato, Alcântara and Parque das Nações offer particularly good value and rental yield potential.

What’s the average property price in Lisbon?

Prices vary by neighbourhood. Central and historic areas like Chiado or Alfama can reach over €7,000 per square metre, while up-and-coming districts like Marvila or Benfica offer properties starting under €4,000 per square metre. Lisbon remains more affordable than most other Western European capitals.

Can I rent out my property as a holiday let?

Yes, but local restrictions apply. Some areas have suspended new AL (Alojamento Local) licences due to high tourism pressure. If short-term letting is your goal, check the current regulations for the specific freguesia before buying.

What are the ongoing costs of owning a property?

Typical annual costs include municipal property tax (IMI), condominium fees (for apartments), insurance, and maintenance. If renting, budget for income tax and possible property management charges. Most owners spend between €1,500–€5,000 annually depending on size and location.

The post Buying property in Lisbon in 2025 – everything you need to know appeared first on Your Overseas Home.

Whether you’re relocating for work, buying a second home near one of Boston’s leafy parks, or investing in one of the city’s fast-moving rental markets, this article will walk you through everything you need to know in 2025. From understanding local property prices to navigating the legal process, we’ll help you take the next step with clarity and confidence.

Contents

• Why you should be buying property in Boston
• What to expect from the Boston property market
• Top neighbourhoods to consider
• Is buying property in Boston a good investment?
• The process of buying property in Boston
• Frequently asked questions

When buying property in Boston, you need to find the right neighbourhood for you

Why you should be buying property in Boston

Boston offers a rare mix of historical charm, modern infrastructure and international prestige – making it a compelling choice for overseas property buyers in 2025. Whether you’re seeking a second home in a walkable cultural capital or a long-term investment in a stable US city, Boston delivers on every front.

One of Boston’s most attractive features is its scale. Unlike many American cities built around car travel, Boston is famously compact, pedestrian-friendly and rich in architectural character. Its leafy residential streets, riverside parks and cobbled historic districts give it a European feel that appeals to international buyers. Add in a reliable public transport system (including subway, bus, ferry and commuter rail), and it’s easy to live without a car – a rarity in the United States.

Boston is also a global centre for education and healthcare. The city is home to world-class universities such as Harvard and MIT, as well as leading hospitals and research institutions affiliated with Harvard Medical School and Tufts University. This brings a steady population of students, professionals and academics, supporting long-term housing demand and a strong rental market.

For lifestyle buyers, Boston has much to offer. Cultural institutions, professional sports, fine dining and seasonal beauty draw people from across the US and abroad. From rowing on the Charles River in summer to leaf-peeping in the nearby Berkshires in autumn, Boston offers a distinctly New England lifestyle with global appeal.

Finally, Boston stands out for its economic resilience. With a diversified economy that spans tech, finance, biotech, higher education and healthcare, the city has weathered national downturns better than many metros. For overseas buyers seeking long-term stability in an English-speaking market with no foreign ownership restrictions, Boston is a smart and rewarding choice.

What to expect from the Boston property market

Boston’s property market remains remarkably stable in 2025, grounded in strong fundamentals, balanced supply, and resilient rental demand – making it a wise choice for discerning overseas buyers.

Strong rental market fundamentals

Multifamily housing in Boston continues to deliver robust performance. Average effective rents rose 2.3% year‑over‑year in 2024 – well above the national average of 1.0% – and are forecast to increase by 2.9% in 2025. Occupancy rates have remained firmly stable, with Q4 occupancy climbing 10 basis points year‑over‑year to approximately 96.5%. Submarkets across the region – from Back Bay and South End to North and East Boston – are sustaining high occupancy and steady rent growth.

Recent reports confirm continued absorption of new units, with over 1,300 units leased in Q1 2025, and 1,851 additional units absorbed in Q2. Although new construction remains active, it’s measured – Boston added ~7,200 new rental units in 2024, with about 7,000 more expected in 2025 – representing just 2.6% of total inventory and aligning with historical averages.

Healthy income and expense dynamics

On the financial front, net operating income (NOI) in Boston’s multifamily sector rose by approximately 6.4% in the year ending November 2024, reflecting effective rental strategies and cost control. Although some luxury properties are seeing slower rent growth due to added leasing incentives, Class B and C properties continue to yield solid returns.

Home prices: solid but competitive

Boston remains one of the priciest housing markets in the country. Zillow reports the average home value at approximately $780,000, a modest 0.9% increase over the past year. Redfin’s July 2025 data puts the median sale price slightly higher at $826,000, with homes selling in around 25 days – indicating a competitive but steady market. Neighborhood-specific prices reflect this premium: Back Bay averages $1.24 million; South Boston averages around $915K, though down slightly year‑over‑year; and broader Boston–Cambridge–Newton urban metrics hover near $733K.

Why it matters for overseas buyers

For international buyers, these figures signal a well-balanced market. High occupancy levels and moderate rental growth point to sustained demand and reliable income potential. The controlled pace of new supply reduces risks of oversupply shocks that have challenged other markets. Meanwhile, home prices – though elevated – have shown resilience rather than volatility, maintaining attractiveness for long-term investment.

In short, Boston offers stability, predictable cash flow, and gradual capital appreciation – making it a solid foundation for overseas purchasers looking to combine lifestyle value with financial prudence.

Buying property in Boston puts beautiful architecture on your doorstep

Top neighbourhoods to consider

Boston offers a wide array of neighbourhoods suited to different buyer profiles – from families and second-home seekers to investors and digital nomads. Each district has its own personality, price point and advantages. Here’s where to start your search in 2025:

Back Bay

One of Boston’s most prestigious addresses, Back Bay is known for its elegant brownstones, tree-lined streets and proximity to Boston Common and the Charles River Esplanade. It’s a top choice for second-home buyers who value character, centrality and exclusivity. Expect prices to start around $1.2 million, with waterfront homes commanding significantly more.

South Boston

Once working class, “Southie” has undergone extensive regeneration. It now combines traditional charm with sleek new-build apartments and excellent public transport links. Popular with young professionals and investors, South Boston offers proximity to the Financial District and waterfront. The median home value is around $890,000, with strong rental demand and walkable access to beaches and dining.

South End

Stylish and historic, South End is a hub for arts, culture and gastronomy. Its Victorian townhouses and converted lofts appeal to creatives and professionals alike. With average home values over $1 million, it’s well-suited to lifestyle buyers who want a cosmopolitan, central location with long-term value.

Bay Village

One of the smallest and most exclusive neighbourhoods in the city, Bay Village sits between Back Bay and the Theatre District. With narrow, quiet streets and red-brick townhouses, it’s ideal for buyers looking for tranquillity in the heart of Boston. Home values here average $1.23 million, making it one of the most desirable micro-neighbourhoods in the city.

North and South Dorchester

For those seeking value and long-term growth, Dorchester is a compelling option. These large and diverse neighbourhoods offer homes from around $675,000, well below the city average. With continued infrastructure investment and community development, Dorchester appeals to first-time overseas buyers and investors alike.

Chinatown / Leather District

Situated near South Station and Downtown Crossing, these areas attract buyers interested in walkable city living with easy access to transport and amenities. Home values in both areas hover around $950,000, with demand supported by their proximity to Boston’s financial, legal and tech hubs.

Roxbury

Roxbury offers an affordable entry point into Boston’s central property market, with median prices around $650,000. With ongoing urban renewal projects and a growing creative community, it’s gaining attention from buyers who want to balance city access with investment potential.

Each neighbourhood offers a different blend of character, convenience and community. Whether you’re after a luxury pied-à-terre, a family-friendly suburb or a high-yield rental, Boston’s diverse districts ensure there’s something for every overseas buyer in 2025.

Is buying property in Boston a good investment?

Boston remains one of the most attractive real estate markets in the United States for international investors in 2025. With strong economic fundamentals, high rental demand, and a relatively constrained housing supply, the city continues to offer stable, long-term opportunities for both capital appreciation and income generation.

Unlike some Sun Belt cities that have seen volatile post-pandemic price swings, Boston’s property market has shown steady growth underpinned by a diversified economy. The city is a global centre for higher education, life sciences, finance, and technology, providing a consistent stream of well-paid renters and homebuyers. Employers such as Harvard, MIT, Massachusetts General Hospital, and major biotech firms contribute to low unemployment and high housing demand – especially in neighbourhoods close to academic and medical hubs.

Foreign buyers also benefit from Massachusetts’ favourable legal framework. There are no restrictions on overseas ownership, and properties can be held in individual names or US-based entities. Rental income is subject to US taxation, but your liabilities can often be reduced with proper financial planning and the help of a tax adviser.

It’s worth noting that Boston is a high-cost market, with median sale prices around $826,000 citywide and well over $1 million in prime areas. However, this is balanced by rental resilience and low vacancy risk. Short-term lets are heavily regulated, so most investment returns come from long-term tenants or furnished rentals aimed at students, academics and professionals.

For buyers focused on financial performance, neighbourhoods like South Boston, Dorchester and Roxbury offer comparatively lower entry prices with solid growth prospects. Meanwhile, established districts such as South End and Beacon Hill remain safe bets for capital retention and prestige.

In short, Boston is not a speculative market – it’s a secure, high-demand city where property holds its value and generates reliable income. For overseas buyers looking for long-term returns in a culturally rich, economically stable environment, it remains one of the most attractive destinations in the US.

The process of buying property in Boston

Buying property in Boston follows the same legal framework as the rest of Massachusetts and is straightforward when guided by trusted local professionals. While it differs in some key ways from the UK and Europe, international buyers will find the system transparent, secure, and relatively quick to complete.

1. Decide your goals and financing

Start by defining whether you’re buying for personal use, investment, or a combination of both. Consider your budget carefully – including closing costs, taxes, and currency exchange – and decide whether you’re buying with cash or financing through a lender. Mortgages are available to foreign buyers, though you may need to provide a larger deposit and supporting documents.

2. Appoint a real estate agent

In Massachusetts, most buyers work with a licensed estate agent known as a buyer’s agent. Their role is to help you identify suitable properties, negotiate on your behalf, and guide you through the process. They are paid by commission – typically 5–6% of the purchase price, split between the buyer’s and seller’s agents – which is usually covered by the seller.

3. Work with a real estate attorney

Unlike in some other US states, it is common – and advisable – for buyers in Massachusetts to appoint an attorney. Your lawyer will handle title checks, draw up contracts, and help protect your interests, particularly if you’re buying from overseas. They will also help explain unfamiliar terms like contingencies and escrow.

4. Make an offer and sign the purchase agreement

Once you’ve found a property, your agent will help you submit a written offer. If accepted, you’ll sign a purchase and sale agreement. At this stage, you’ll typically pay an earnest money deposit – often 5–10% – into an escrow account. The contract may include conditions (known as contingencies), such as home inspection or mortgage approval.

5. Conduct due diligence

You’ll usually have the right to commission a home inspection and appraisal. Your attorney and agent will also carry out a title search and verify that there are no liens or legal issues affecting the property. If issues arise, you can usually renegotiate or walk away within the contingency period.

6. Plan your currency transfers

If you’re buying in US dollars but your funds are in pounds or euros, it’s essential to protect yourself from currency fluctuations. A forward contract from a currency specialist lets you lock in an exchange rate, ensuring your budget remains stable from offer to completion. Speak to Smart Currency Exchange to learn more about securing your funds.

7. Complete and close the sale

Final closing usually happens within 30–60 days of signing the purchase agreement. Your attorney will coordinate with the escrow agent to finalise documents, transfer funds and register the title. Once recorded, you’ll receive the keys and become the legal owner. Remote closings are possible for overseas buyers using secure power of attorney or notary services.

While buying property in Boston may involve more steps than you’re used to, it’s a well-regulated and buyer-friendly system – especially when supported by a professional team. Local agents, legal advisers and currency specialists will help ensure a smooth, stress-free purchase from offer to ownership.

Take the next step

Boston combines historic elegance with modern resilience, offering a unique opportunity for overseas buyers seeking long-term value, rental potential, and a high quality of life. With a stable housing market, strong tenant demand, and no restrictions on foreign ownership, the city is one of the most reliable destinations for property investment in the United States.

Whether you’re looking for a characterful brownstone in Back Bay, a sleek apartment near the Seaport, or an investment property with consistent returns, Your Overseas Home can help you every step of the way. Our team works with trusted local agents, legal advisers and currency specialists to make buying in Boston smooth, safe and stress-free.

Book your free property consultation to begin your Boston property journey with expert guidance.

Frequently asked questions

Can foreigners buy property in Boston?

Yes. There are no restrictions on foreign nationals buying property in Massachusetts. You can own real estate in your name or through a company, whether or not you are a US resident. However, it’s important to understand your tax obligations and visa status, especially if you plan to spend long periods in the US.

Is Boston a good place to buy rental property?

Absolutely. Boston has strong rental fundamentals, with occupancy rates consistently above 95% and annual rent growth forecast at 2.9% in 2025. Demand is driven by the city’s universities, hospitals and tech sector, creating reliable opportunities for long-term lets.

What are average property prices in Boston?

Citywide, the median home price is around $826,000. Prime neighbourhoods like Back Bay, South End and Bay Village often exceed $1 million, while more affordable options exist in areas like Roxbury and Dorchester, where prices start from around $650,000–$700,000.

How long does the property buying process take?

Most purchases close within 30–60 days from the date an offer is accepted. This includes the inspection period, legal due diligence and the transfer of funds. Remote closings are possible for overseas buyers using secure power of attorney or notary services.

Are there any extra costs I should budget for?

Yes. In addition to the property price, budget around 3–5% for closing costs, which include legal fees, title insurance, and local taxes. If you’re financing your purchase, there may be lender fees as well. Currency transfer fees can also add up—consider using a forward contract to lock in your exchange rate and protect your budget.

The post Buying property in Boston in 2025: everything you need to know appeared first on Your Overseas Home.

Prices are rising, particularly in Lisbon and the country’s coastal regions. Home costs rose by an average of 9.1% – a pace that outstripped much of Europe and placed Portugal firmly in the spotlight for both domestic and international buyers.

The capital remains Portugal’s powerhouse, drawing in younger local buyers supported by government incentives and foreign investors attracted to its cosmopolitan lifestyle. Coastal areas such as the Algarve and Cascais retain their long-standing appeal, offering beaches, international schools and rental potential.

But you can use this information to your advantage.

Prices jumped in Portugal in 2024, but that doesn’t mean you should avoid the country

Lisbon – a market of prestige

Lisbon remains the beating heart of Portugal’s property market, according to the latest European property survey by the ERA group. In 2024, the capital represented nearly a third of total market value, with average prices around €362,040. Beyond the numbers, Lisbon’s position as the country’s cultural, political and financial centre explains its enduring appeal.

From the historic Alfama district to the riverfront developments of Parque das Nações, the city offers a diversity of property styles that continues to draw both local and international buyers. Demand is particularly strong for centrally located apartments with character, but modern new-builds and luxury penthouses are equally in focus for investors seeking steady rental returns.

For international buyers, Lisbon is both a lifestyle and investment choice. It offers access to international schools, transport links, and a thriving digital economy that attracts a younger, mobile population.

But with prestige comes a premium. Buyers must account not only for purchase price but also transaction costs, property taxes, and ongoing maintenance.

If you’re preparing to buy property in Portugal, factor in the costs of buying property in Portugal and always commission a detailed property survey in Portugal. In a fast-moving market like Lisbon, decisive action matters – but informed decisions will protect both your lifestyle goals and your investment for years to come.

The coastal squeeze

Portugal’s coast has long captured the imagination of overseas buyers. The Algarve, Cascais and other shoreline destinations offer sunshine, leisure, and an international community that makes settling in straightforward.

These coastal areas remain magnets for retirees seeking a relaxed pace of life, second-home buyers wanting year-round appeal, and investors looking for high rental demand. Even after the end of the Golden Visa programme, demand has not slowed – Brazilian, European and Angolan buyers remain active, with many purchases supported by mortgages.

In these coastal hotspots, however, the balance between supply and demand is under increasing pressure. Sea-view villas and modern apartments command strong premiums, and competition can be intense.

To succeed in these markets, preparation is essential. Buyers should review the potential pitfalls of buying property in Portugal and take time to understand the full impact of Portuguese property taxes. Strategic negotiation is part of the process, and knowing when to move quickly is just as important as knowing when to walk away. Before making an offer on a property in Portugal, ensure your financing is secure and your expectations realistic.

For an overview of what’s available, there’s a quick comparison below:

Notes: Lisbon average price sourced from the ERA Europe Market Survey 2024/2025. Coastal town pricing varies by micro-location, property type and condition – review current comparables and total acquisition costs before committing.

Regions of opportunity

Head inland or north and the value proposition changes dramatically. While Lisbon and the coastal zones dominate headlines, the North of Portugal quietly recorded more than 46,000 transactions in 2024 – the highest of any region. Average prices there remain far more attainable, at €181,080, and the region also delivered the country’s largest number of new housing completions.

For buyers, that means a rare balance of affordability and choice, with modern, energy-efficient homes entering the market alongside character properties in historic towns.

Porto and its surrounding municipalities are central to this story. The city offers all the energy of a major urban hub – international schools, universities, and a growing digital economy – yet at a fraction of Lisbon’s price point.

Buyers considering buying property in Porto gain access to a cosmopolitan centre that remains well-connected to Europe through its international airport. For those seeking leisure and investment returns, the nearby Douro Valley combines vineyard landscapes with boutique tourism appeal.

Further south, the Setúbal Peninsula and central Portugal present strong alternatives, offering more space and lower costs while still being within reach of Lisbon.

If budget is your guiding factor, Portugal continues to offer options that suit different stages of the buying journey. Our overview of affordable property in Portugal highlights towns and regions where prices remain accessible, from up-and-coming interior cities to villages attracting younger families and digital nomads.

Once you have a sense of your priorities – lifestyle, rental potential, or long-term investment – you can refine your search by property type, from traditional stone houses to contemporary apartments in new developments. Take a look at houses for sale in Portugal to see what’s available.

Porto is just one of the many beautiful places in Portugal you could call home

Financing and process – move quickly, but with structure

With prices still rising – and existing homes outperforming new builds in 2024 – the best-prepared buyers are the ones who secure their property of choice.

Being finance-ready is no longer optional, it is essential. That means having conversations early with a mortgage broker in Portugal, understanding what it takes to get a mortgage in Portugal as an international buyer, and mapping out the step-by-step process of buying in Portugal. With a clear financial framework, you will be in a position to act decisively when the right property appears.

Equally important is maintaining a balance between ambition and caution. Negotiating in Portugal can be an art, and rushing in without clarity on fees, taxes, and legal obligations can cause costly delays.

Practical resources such as our money-saving tips, guidance on the legal requirements of buying property in Portugal, and advice on completing your property purchase will help you keep momentum without missing critical checks. The goal is not just to move quickly, but to move with structure – ensuring your purchase stands on firm financial and legal ground while still capturing the lifestyle that drew you to Portugal in the first place.

Outlook – value is shifting, opportunity remains

Market activity is expected to stay lively in 2025, with sustainability and energy efficiency increasingly shaping demand. Affordability in Lisbon and coastal areas will remain a challenge, while peripheral and regional markets are positioned for steady growth – an advantage for buyers who are flexible on location.

If your priority is lifestyle, see our broader guides to why buy a property in Portugal and how to find property in Portugal. If you are planning a relocation, you may also want to explore visas & residency options for non-residents in Portugal and our complete guide to living in Portugal.

The post Portugal property prices surge but you can still find value in 2025 appeared first on Your Overseas Home.

From sacred tradition to summer celebration

The Dormition, meaning the “falling asleep” of the Virgin Mary, marks the belief that she died peacefully and was taken into heaven, body and soul. The feast has been observed since at least the early centuries of the Church and is preceded by a two-week fast in her honour. For generations, Cypriots have marked the day with church services, family gatherings and village feasts – traditions still lovingly preserved today.

Yet this is also very much a modern holiday. At the peak of the island’s summer, the long weekend blends deep spiritual meaning with the vibrant joy of the season. It’s a time when whole families return to their ancestral villages, when friends reunite under vine-covered terraces and when every town square seems to echo with music, dancing and laughter late into the night.

For newcomers, understanding these rhythms is a first step to feeling at home in the island’s way of life; our guide to Cypriot culture is a helpful primer.

During the August holiday weekend, the beaches become filled with celebrations

The post Why August 15th is the best day to experience Cyprus like a local appeared first on Your Overseas Home.

This article brings together everything you need to understand the day-to-day reality of living in France. From healthcare, schooling and utilities to language, culture and food, it’s designed to help you feel informed, prepared and supported as you settle in. Wherever you’re starting from, this is where your new life begins.

Contents

• Settling into everyday life in France
• Setting up your home in France
• Education, healthcare and money
• Language and lifestyle
• Frequently asked questions

After the move, you will need to get down to the serious business of living in France to the fullest

Settling into everyday life in France

Adjusting to a new way of life takes time, but small, everyday experiences often make the biggest difference. If you’re in the early stages of settling into France, it helps to know what to expect – from the pace of life to the kinds of social interactions that shape your day.

Understanding French customs and culture is key to feeling more at ease, while embracing French food and drink is one of the simplest and most enjoyable ways to immerse yourself. Whether you’re browsing a village market or sitting down for a café lunch, food quickly becomes part of the rhythm of local life.

Everyday routines like shopping in France may also work differently to what you’re used to, so knowing where to go and what to expect can ease the transition. For getting around, our guide to transport in France explains your options, whether you’re relying on public networks or planning to drive.

Moving abroad can also bring emotional challenges. If you’re finding the transition harder than expected, our article on homesickness in France offers practical strategies to help you settle more comfortably. And for those relocating with animals, knowing how to take your pets to France will ensure a smoother, stress-free journey for everyone involved.

Setting up your home in France

Once you’ve secured your property, the focus shifts to making it feel like home. If you’re relocating from abroad, knowing how to move your belongings to France can help you avoid delays, minimise costs and navigate customs with ease. Planning ahead makes the whole process far smoother.

Once you’re in, you’ll need to get your household essentials in place. Our guide to utilities in France explains how to connect electricity, gas, water, internet and mobile services – all vital for settling in comfortably.

If the property needs work, knowing how to hire a tradesperson in France will help you find reliable professionals and understand local expectations around quotes, contracts and timelines.

And if you’re planning to make more significant changes – from adding a pool to restoring a stone farmhouse – our article on how to renovate your property in France covers planning permission, budgeting and working with French builders, so you can manage your project with clarity and confidence.

Education, healthcare and money

Understanding how key systems work in France is essential when you’re planning a long-term move. For families, that starts with the French education system. Whether you’re considering public or private schooling, it’s important to know how enrolment works, what the curriculum looks like and how to support your child’s learning in a new environment.

Accessing medical care is another priority. Our guide to access to French healthcare explains the public and private options available, how to register for the state system, and what costs you may need to prepare for.

Moving abroad also comes with financial considerations. Knowing how to manage your money in France – from opening a bank account to handling regular payments or currency transfers – will help you stay in control and avoid unnecessary stress as you settle in.

Language and lifestyle

Building a life in France isn’t just about logistics – it’s about finding a rhythm that feels your own. One of the most valuable steps you can take is to learn French. Even a basic understanding of the language can make a big difference in everyday situations, from ordering lunch to forming meaningful connections in your local community.

Next steps

Outside the practicalities, living in France is also an opportunity to enjoy a rich and varied lifestyle. Our guide to sports and leisure in France explores activities across the country – from skiing and cycling to pétanque and Pilates – helping you make the most of your free time while meeting like-minded people.

Once you’ve explored what living in France really means, the next step is finding the right place to call home. Our guide to where to buy property in France takes you through the most popular regions for overseas buyers, from coastal towns to countryside retreats. When you’re ready to move forward, how to buy property in France covers everything you need to know – from legal checks to local costs.

If you’d like tailored advice to help shape your plans, you can book a free consultation with one of our property experts at any time.

Frequently asked questions about living in France

Is it easy to adapt to everyday life in France?

It depends on where you’re coming from, but understanding French customs and culture will help you feel more settled. Learning the rhythm of daily life and being open to small differences can make the adjustment smoother.

What do I need to do before moving my belongings to France?

You’ll need to plan logistics around customs, timing and transport. Our guide on how to move your belongings to France walks you through the steps and helps you avoid common mistakes.

How do I connect utilities in France?

Setting up utilities in France involves contacting providers for electricity, gas, water, internet and mobile services. Timelines and contracts may differ from those in your home country, so it’s useful to understand the basics before you arrive.

Can I access healthcare in France as a foreign resident?

Yes. The French healthcare system is open to residents, and you may qualify for state coverage depending on your circumstances. Our guide on access to French healthcare explains how to register and what to expect.

Is it difficult to enrol children in school?

It’s very possible with the right information. Our article on the French education system outlines the structure, enrolment steps and types of schools available.

How do I manage my finances after moving to France?

From setting up a local bank account to handling regular transfers, knowing how to manage your money in France helps you stay on top of your finances from day one.

The post Living in France – your complete guide appeared first on Your Overseas Home.

This article brings together everything you need to understand the practical side of living in Cyprus. From healthcare and education to furnishing your home, learning the language and managing your move, these resources are here to support you as you settle in. Wherever you’re starting from, this is your place to begin.

Contents

• Everyday life in Cyprus
• Practicalities of setting up home
• Working, learning and healthcare
• Leisure and lifestyle
• Frequently asked questions

Are you read to start living in Cyprus and enjoying its daily delights?

Everyday living in Cyprus

Settling into everyday life takes more than unpacking your boxes. Understanding Cypriot culture can help you navigate local customs, build connections and feel more at home, while embracing the food of Cyprus is one of the most enjoyable ways to get to know your new surroundings.

Getting familiar with shopping in Cyprus will also make day-to-day routines easier – from markets and supermarkets to sourcing everyday essentials. If you’re planning to stay long term, learning the language in Cyprus can open doors both practically and socially, helping you feel more confident in local life.

Transport is another key part of adapting, and our guide to transport in Cyprus explains how to get around by car, bus or on foot. And while relocating can be a rewarding experience, it’s natural to have moments of doubt – our article on homesickness after moving to Cyprus offers support and strategies for finding your footing emotionally as you settle in.

Practicalities of setting up home

Once you’ve secured your property, the focus shifts to making it liveable. If you’re relocating from abroad, knowing how to move your belongings to Cyprus can help you plan shipping, customs and delivery with confidence, avoiding unexpected delays or costs.

When it comes to settling in, you’ll want your home to feel like your own. Our guide to how to furnish your home in Cyprus covers everything from where to buy furniture to how to furnish efficiently if you’re starting from scratch.

And for any work that needs doing – from minor repairs to full-scale renovations – it’s essential to find tradespeople in Cyprus you can trust. Understanding how the local industry works will help you avoid pitfalls and get the job done well.

Working, learning and healthcare

If you’re planning to build a long-term life in Cyprus, understanding how to work in Cyprus is essential. From employment rights to registering for tax and social insurance, this guide explains what you need to know before starting a job or setting up a business.

For families, choosing the right school is a key part of planning the move. Whether you’re looking at local state schools or private international options, our guide to how to find schools in Cyprus will help you navigate the education system with confidence.

Healthcare is another important foundation. Our article on how to access healthcare in Cyprus outlines the difference between public and private care, how to register with the national health service and what to expect in terms of cost and coverage.

Leisure and lifestyle

Life in Cyprus isn’t just about settling in – it’s about enjoying what the island has to offer. Whether you’re drawn to the sea, the mountains or something more social, there’s no shortage of ways to stay active and connected. Our guide to sports and leisure activities in Cyprus explores everything from walking trails and watersports to local clubs and cultural pursuits, helping you make the most of your free time in your new home.

If you’re still weighing up your options, our guide to where to buy property in Cyprus explores the island’s most popular regions, from coastal resorts to quieter inland towns. When you’re ready to take the next step, our article on how to buy property in Cyprus walks you through the process – from legal checks to financial planning.

If you’d like tailored guidance for your move, you can book a free consultation with a property expert at any time.

Frequently asked questions about living in Cyprus

Is it easy to get around in Cyprus?

Yes, but it depends on where you live. Our guide to transport in Cyprus explains the pros and cons of driving, using public transport and walking, so you can plan accordingly.

How do I move my belongings to Cyprus from abroad?

Shipping personal items to Cyprus requires customs paperwork, timing and sometimes professional removals help. Find out more in our guide on how to move your belongings to Cyprus.

Can I work in Cyprus as a foreigner?

Yes – many expats live and work in Cyprus. Our article on how to work in Cyprus outlines everything from visas to employment rights and registering with the authorities.

How does healthcare work in Cyprus?

Healthcare in Cyprus is delivered through both public and private systems. To access the public system, you’ll usually need to register. Learn more in our guide on how to access healthcare in Cyprus.

Is it difficult to adjust to life in Cyprus?

Relocation always involves a period of adjustment. Learning about Cypriot culture, understanding local customs and managing homesickness after moving to Cyprus can help you feel settled sooner.

Can I send my child to a local school?

Yes – Cyprus offers both public and private education. Our guide to finding schools in Cyprus helps you understand the system and what to consider when choosing the right school.

The post Living in Cyprus – your complete guide appeared first on Your Overseas Home.

This hub brings together everything you need to navigate the practical side of living in Portugal. From healthcare and transport to learning the language and managing your home, it’s designed to help you feel informed, prepared and supported as you settle in. Whatever your reasons for relocating, the aim is simple – to help you feel at home.

Contents

• Everyday living in Portugal
• Working, studying and going legal
• Living well: health, language and leisure
• Home and property upkeep
• Frequently asked questions

When you’ve living in Portugal you have a whole new world to learn

Everyday living in Portugal

Daily life in Portugal can feel refreshingly different, but it takes time to find your rhythm. Understanding Portuguese culture and customs can help you settle in more easily, from social etiquette to the pace of daily routines. Getting to grips with transport in Portugal is another early step – whether you’re navigating city streets or exploring further afield, it’s useful to know how buses, trains and toll roads work.

If you’re bringing animals with you, there are clear steps for relocating your pets to Portugal, including travel rules and registration requirements. Once you’ve arrived, arranging your utilities in Portugal – from internet and mobile contracts to water and energy bills – is key to feeling properly moved in.

Budgeting is also an important part of the adjustment. The cost of living in Portugal may be more affordable than you’re used to, but it’s important to understand where your money will go day to day. And while moving abroad is a positive step for many, it’s normal to feel the distance. If you’re finding it difficult, our guide to how to overcome homesickness after moving to Portugal offers thoughtful advice on finding balance and connection in your new home.

Working, studying and going legal

If you’re planning to earn a living abroad, understanding how to work in Portugal is essential. From employment laws to tax registration and social security, it’s important to know how the system operates before you accept a role or start a business.

Families moving with children will also want to explore how schools in Portugal are structured. Whether you’re considering public or private options, this guide explains how the education system works and what to expect at each stage of your child’s learning journey.

And finally, every move abroad brings legal responsibilities. Knowing what it means to be legal in Portugal – from residency rights to registration requirements – will give you the clarity and confidence to move forward with peace of mind.

Living well: health, language and leisure

Living in Portugal isn’t only about meeting the formal requirements – it’s about building a life that feels fulfilling. One of the most valuable steps you can take is to learn to speak Portuguese. Even a basic understanding of the language can make everyday interactions smoother and help you connect more deeply with your new community.

Looking after your wellbeing is also key. Accessing healthcare in Portugal is relatively straightforward, with both public and private options available. Knowing how the system works – and how to register – can give you greater confidence and peace of mind.

For many, moving to Portugal is also a chance to embrace a more active lifestyle. Whether you’re joining a local hiking group, taking up tennis or surfing the Atlantic coast, sports in Portugal offer a great way to stay fit and feel part of something.

Home and property upkeep

Owning a property in Portugal opens the door to personalising your space and shaping it around your needs. Whether you’re restoring a traditional townhouse or upgrading a modern apartment, knowing how to renovate your home in Portugal can help you avoid delays, manage costs and stay on the right side of local regulations.

This guide covers the essentials – from permits and planning to finding reliable tradespeople – so you can approach your renovation with confidence and clarity.

What’s next

If you’re still deciding where to put down roots, explore our guide to where to buy property in Portugal, which breaks down the most popular regions for overseas buyers.

When you’re ready to take the next step, our detailed overview of how to buy property in Portugal walks you through the legal, financial and practical stages of the process.

If you’d prefer to speak to someone directly about your plans, you can book a free consultation with a property expert at any time.

Frequently asked questions about living in Portugal

What is everyday life like in Portugal?

Everyday life in Portugal tends to follow a slower, more relaxed rhythm. Social customs, mealtimes and daily schedules may differ from what you’re used to, but understanding Portuguese culture and transport can make the adjustment feel smoother. It’s also important to plan ahead for practicalities like utilities and budgeting day-to-day expenses.

Can I bring my pets when I move to Portugal?

Yes – many people relocate with their pets. You’ll need to follow EU regulations, which include vaccinations and microchipping, and register your pet with the local authorities once you arrive. Portugal is generally very pet-friendly, with access to green spaces and pet services in most areas.

How do I access healthcare in Portugal?

Portugal has both public and private healthcare systems. As a resident, you may be eligible to use the public system (SNS), though many expats also take out private insurance. You’ll need to register at your local health centre to access services.

Do I need to speak Portuguese to live in Portugal?

Learning to speak Portuguese will make daily life much easier. While English is widely spoken in some regions, particularly tourist areas, having even a basic level of Portuguese can help you feel more connected and confident in everything from supermarket trips to building friendships.

Can I work in Portugal as a foreign national?

Yes – as long as you meet the visa or residency requirements, you can work in Portugal. You’ll need to register for tax, social security and possibly professional licensing depending on your field. Understanding the local job market and labour laws is essential before starting work or launching a business.

What should I know before renovating a home in Portugal?

Renovating a home in Portugal often requires planning permission, particularly if structural changes are involved. It’s important to research local regulations, hire trusted professionals and factor in time and budget for approvals and sourcing materials.

The post Living in Portugal – your complete guide appeared first on Your Overseas Home.

From getting a French bank account sorted to preparing for life on a pension abroad, this article will help you get your financial ducks in a row before you make the leap.

Doing this right helps you avoid costly mistakes and enjoy a smooth and stress-free transition. Whether you’re relocating full time or buying a holiday bolt-hole, here’s everything you need to know.

Contents

• Opening a French bank account
• Setting up your savings
• Planning your pension move
• Seeking financial advice
• Frequently asked questions

Learn how to manage your money in France now to save stresses after your move

Opening a French bank account

Setting up a local bank account is one of the first things you’ll want to tick off your checklist. In France, having a local bank account makes it easier to pay bills, set up utilities and even get approved for a mobile phone contract or mortgage.

The major banking players in France include Crédit Agricole, La Banque Postale, Société Générale and BNP Paribas. If you’re more comfortable using English, look for an institution with bilingual staff or international banking teams. Online banks like Hello Bank! and Boursorama have also gained popularity in France, with easy app-based access and lower fees.

To open an account, you’ll usually need:

• A valid passport or national ID
• Proof of address in France (a utility bill or your property purchase contract can work)
• Proof of residence status if available

Some banks allow you to kick off the process online, though you’ll often need to attend a meeting to finalise it. Don’t expect instant service – set aside a few days to gather paperwork and wait for your account to be activated.

French banks tend to be strict about overdrafts. You must request one in advance, and if you overdraw without permission, it’s not only frowned upon – it can lead to penalties and even the closure of your account. Most debit cards have daily or weekly spending and cash withdrawal limits, which you can normally increase by arrangement.

Unlike in the UK, many French customers have a named bank manager. They’re generally very approachable and helpful, especially if you’re new to the country and the banking system. Take advantage of that relationship – it can be invaluable.

when it comes to daily spending, we’ve gone a little deeper on how to make all your essential payments in France.

For a closer look at the purchase process, claim you free copy of your France Buying Guide:

Download now

Setting up your savings

If you plan to stay in France long term, it may make sense to transfer your savings to a French bank. Doing so helps simplify your financial life – and avoids unpleasant surprises come tax time.

In the UK, savings in ISAs and similar accounts can grow tax-free. In France, however, these same savings usually become taxable as part of your worldwide assets once you become a French tax resident. This means your entire global income and investments – yes, even those interest payments earned back in the UK – may be subject to French taxation.

That said, France has its own tax-efficient savings schemes you should consider. The Livret A, for example, is a popular regulated savings account that’s completely tax-free. While the interest rate isn’t huge, it’s safe, accessible and exempt from tax up to a certain amount (currently €22,950 for individuals, or €45,900 for couples). Other options include the Livret de Développement Durable et Solidaire (LDDS) and the Plan Épargne Logement (PEL), designed specifically for those saving to buy a home.

Transferring your savings across borders and into different account types should be approached carefully. Currency fluctuations, potential fees and legal reporting requirements all need consideration. A bilingual financial adviser can help you make the right move for both your risk tolerance and legal obligations as a future French resident.

Planning your pension move

If you’re retired – or close to it – organising your pension before you move is an essential step to manage your money in France. The good news is that you can still receive your UK state pension while living in France, and thanks to the Brexit Withdrawal Agreement, your pension will continue to increase in line with UK rates just as if you lived there.

However, private pensions require a bit more attention. If you have a UK-based SIPP (Self-Invested Personal Pension), you can still access your funds while living in France, but you can’t contribute more if you’re a French resident. You’ll also need to consider how your withdrawals will be taxed under the French system. Income from pensions is generally taxable in France, although the UK-France tax treaty should help you avoid being taxed twice.

For those wanting to simplify their affairs, it may be worth exploring a QROPS (Qualifying Recognised Overseas Pension Scheme). Not all of these schemes are based in the EU post-Brexit, but some remain available depending on your personal circumstances. These might allow for more flexibility with tax or currency management, though they come with their own costs and conditions.

For the ins and outs of both schemes, read Smart Currency Exchange’s explainer on SIPPs and QROPs.

If you have multiple pensions, it’s a smart move to review them all together. Could consolidating help reduce your admin? Would converting some pension income into euros in advance help with budgeting? These are the sorts of questions best resolved with professional support from someone familiar with cross-border pensions and taxation.

Seeking financial advice

No matter how confident you are with your finances, moving to another country adds a layer of complexity that’s best managed with expert advice. And with rules around cross-border advice tightening since Brexit, it’s more important than ever to speak to someone qualified for both the UK and France.

Before your move, you can speak with a UK-regulated financial adviser. But once you’re living in France, you’ll need to work with an adviser licensed to practice there. UK-based advisers can no longer legally give financial advice to French residents unless they hold a European licence.

A good international financial adviser can help you:

• Structure your pension and savings for tax efficiency in France
• Minimise exposure to currency fluctuations
• Meet legal reporting obligations for overseas assets
• Decide whether to keep or wind down UK bank accounts and ISAs

When choosing an adviser, check that they are registered with one of France’s financial regulatory bodies, such as l’Autorité des Marchés Financiers (AMF) or l’Organisme pour le Registre des Intermédiaires en Assurance (ORIAS). Reviews and client testimonials also go a long way.

Taking the time to speak to the right professionals early on could save you tens of thousands in the long run – and prevent a lot of anxiety. We partner with many France experts who could help you on your journey. It gives you a clear sense of where you stand financially and allows you to plan with confidence, not confusion.

Arrive in France with financial confidence

Preparing to manage your money in France isn’t just about ticking boxes. It’s about creating peace of mind so you can actually enjoy your new life. From the complexities of French banking to navigating tax laws and pensions, there’s a lot to take in. But the right advice, preparation and bit of elbow grease will help you get it done right.

Whether you’re buying a holiday home or starting a new chapter entirely, make 2025 the year your finances worked as hard as your dreams. Ready to chat? Book a free consultation with one of our property experts and take the first step towards your life in France.

Frequently asked questions about how to manage your money in France

Do I need a French bank account to buy property in France?

While it’s not legally required to open a French bank account to buy property, having one makes it easier to pay utility bills, local taxes, and set up services like internet or a mobile contract. Most buyers open a French account shortly after purchase.

Will my UK savings accounts be taxed in France?

Yes, if you become a French tax resident, your worldwide income—including interest from UK savings and ISAs—may become taxable in France. It’s advisable to review your accounts and explore tax-efficient French savings products like the Livret A.

Can I receive my UK state pension while living in France?

Yes, UK state pensions can still be received in France and will continue to be uprated annually thanks to the Brexit Withdrawal Agreement. Private pensions may also be accessed, but taxation will occur under French rules, so speak to a cross-border adviser.

Should I close my UK bank accounts before moving to France?

Not necessarily. Many expats keep UK accounts open for pension or rental income. However, be aware that ISAs and other UK tax-free savings lose their tax advantages once you become a French resident. You’ll need to declare overseas accounts to French authorities.

Do I need a financial adviser for my move to France?

Yes, ideally one who is qualified in both the UK and France. Cross-border financial advice is tightly regulated post-Brexit. A dual-licensed adviser can help structure your pension, minimise tax, and comply with both countries’ reporting rules.

The post How manage your money in France – organising your finances for your move appeared first on Your Overseas Home.

This article will walk you through everything you need to know to get connecting utilities in France with minimal fuss. Whether you’re living in a bustling town or a quiet countryside hamlet, understanding the process will help you avoid delays, unexpected bills and unnecessary stress.

Let’s help you turn your property into a fully functioning home.

Contents

• What documents do you need?
• Setting up electricity
• Connecting the gas supply
• How to get your water connected
• Getting internet and phone services
• Watching TV in France
• Frequently asked questions

Before you connect your utilities in France, you should collect all your necessary documents together

What documents do you need?

Before you can open a utility account in France, you’ll need to provide some basic paperwork. Make sure you have:

• A valid passport or French residence permit
• Proof of address (a rental contract, official letter or previous utility bill)
• Your bank account details, usually in the form of a French RIB (banking details slip)

If you’re buying a home, your estate agent or notaire will normally give you necessary property details, such as the meter numbers and previous providers. In cases where you’re moving into a property with existing connections, it’s often a matter of changing names on the contracts. But if the supply was cut off, you’ll need to request a reactivation – which may take a week or more.

Most utility bills in France arrive every two to three months. They’ll show two charges: the abonnement (a fixed standing charge) and the consumption costs based on usage. VAT (TVA) is applied, alongside local taxes depending on your municipality.

While it’s possible to set these services up yourself, many buyers prefer to use the post-sale support offered by their estate agent or a local adviser to make the process smoother – especially if they don’t speak fluent French.

For a look at purchasing overseas, get your free copy of our France Buying Guide:

Download now

Setting up electricity

One of the first utilities in France you’ll want to connect is electricity. Electricity in France is generally dependable and reasonably priced compared to some other European countries. The primary provider is EDF (Électricité de France), which remains state-owned. That said, France’s energy market has opened to competition and you can now choose among a range of suppliers, including green-energy companies like Enercoop and Mint Énergie.

To set up your account, contact your chosen provider with your personal documents, the point de livraison (PDL) number from the meter, and the name of the previous occupant (if available). Most suppliers allow you to sign up online or via their helplines – some even have English-speaking advisors. Keep in mind that EDF’s customer portal is user-friendly and available 24/7.

If your property isn’t yet connected, EDF or the alternative provider will organise a technician to activate the supply. This may take up to 10 working days, so plan ahead, especially if you’re arriving in colder months.

Meter readings are done remotely or every six months, and you can submit readings yourself. Payments can be made by direct debit, online or in person. In 2025, smart meters (Linky) are installed in most homes – allowing you to track consumption and adjust usage more easily, helping you save on energy every year.

Connecting the gas supply

Unlike electricity, gas availability in France depends heavily on location. Mains gas – le gaz de ville – is common in larger towns and cities but absent in many rural areas. If your property has access to mains gas, the main provider you’ll deal with is Engie, formerly known as GDF Suez.

To activate a connection, line up your details – including the Point de Comptage et d’Estimation (PCE) for the meter – and contact Engie or another licensed supplier. A technician visit may be necessary if it’s a new set-up or reconnection. You can find local suppliers and connection info via the official government platform: www.service-public.fr.

For rural properties without a mains connection, you’ll need to decide between bottled gas or installing a bulk tank. Tank systems – often placed underground – suit high-usage homes and are serviced by companies like Antargaz or Butagaz. Bottled propane or butane, available from petrol stations and supermarkets, are cost-effective solutions for low usage.

Butane should be stored inside due to its sensitivity to cold, while propane is more robust and can be kept safely in outdoor storage spaces. Always install a compatible regulator and check with your insurer, as some policies have specific storage requirements for gas bottles.

How to get your water connected

As utilities in France go, water is one of the most important. France’s water services are managed by private companies working in partnership with local councils. The provider can vary by commune – Veolia and Saur are the largest, but smaller regional providers also operate.

You’ll need to contact the supplier covering your address to open an account. They’ll typically ask for your ID, property details, and the meter reading on the move-in day. Invoices are usually issued every three to six months and, like electricity bills, include both a standing charge and a usage-based cost.

Water is metered almost everywhere and charged according to how much you use. Average costs range from €3–5 per cubic metre in 2025, with regional variation. In some very remote locations, water may still be drawn from private wells or shared communal sources. If you’re reliant on a well, consider installing a purification system and having it tested regularly – especially if you plan to rent out the property.

To avoid service interruptions, it’s a good idea to register with the supplier immediately after completion. If you’re unsure who services your property, ask your local mairie (town hall) – they can point you in the right direction.

Getting internet and phone services

High-speed internet in France is widespread, and the infrastructure continues improving year by year. ADSL remains the standard in many areas, but fibre optic coverage – known as la fibre – is accelerating, with over 80% of households expected to be eligible by the end of 2025 (source: ARCEP, the French telecom regulator).

There are four main providers:

• Orange – the largest and historically state-owned, still manages France’s landline infrastructure
• SFR – known for TV and mobile packages
• Bouygues Telecom – popular for competitive internet and phone bundles
• Free – low-cost provider with simple online-only setup

If you’re moving into a property with an existing line, setting up ADSL or fibre may just involve changing the name on the account. For new connections or fibre upgrades, the provider will usually send a technician for installation within 7–10 days. Be prepared to pay a connection fee unless it’s included in a promotional offer.

All major providers now offer triple-play packages including internet, landline and French TV – with optional extras like international calling or UK channel access. Don’t forget to compare coverage and speeds using France’s national broadband map: maconnexioninternet.arcep.fr.

Fibre may not be available in very isolated areas – so check coverage well in advance if you’re planning to work remotely.

Watching TV in France

Once your internet is installed, accessing French TV is straightforward. Most internet packages include free-to-air channels and the ability to add premium networks like Canal+. You’ll also find generous recording, catch-up and on-demand features built into the set-top box.

If you want to watch British television, you’ll likely need a satellite dish. You’ll need a correctly aligned dish pointing to the Astra 2 satellite and a compatible decoder – such as a French TNT Sat or Freesat box. Your best bet is to hire a local technician to carry out the installation and ensure the strongest signal – especially in southern France, where reception can be weaker.

It’s also possible to legally stream UK channels via a Virtual Private Network (VPN) and a UK-based streaming subscription – though quality can fluctuate on slower rural connections.

In France, the TV licence – la contribution à l’audiovisuel public – was abolished in 2022, saving homeowners around €138 annually. So unless this changes post-2025, you don’t need to pay a separate TV fee. However, if staying in France long-term and registering for tax, ensure you update your residence details correctly to reflect any TV usage changes.

Turn the lights on – and the stress off

As you settle into your life in France, having your utilities sorted will give you the freedom to focus on the joys of your new adventure. Whether that means enjoying a hot croissant in your kitchen with the heating working or streaming your favourite programme from your new living room, it all starts with the right set-up.

If any of this feels overwhelming – or you simply don’t have time to chase paperwork and phone calls – one of our specialist consultants can help. At Your Overseas Home, we’ve helped hundreds of buyers move safely and set up hassle-free lives in France. From organising viewings to connecting you with trusted local professionals, we’re by your side at every stage.

Book your free consultation now and let’s turn your French property into a fully functioning home.

Frequently asked questions about setting up utilities in France

What documents do I need to set up utilities in France?

You’ll need a valid ID (passport or residence permit), proof of address (rental contract or utility bill), and French bank account details (RIB). If buying a property, your notaire or estate agent can usually help provide meter numbers and supplier info.

How do I set up electricity in France?

Contact a supplier such as EDF with your personal documents, meter number (PDL), and details of the previous occupant. For new connections, a technician visit may be required. Most homes now have Linky smart meters, making setup and billing easier.

Is mains gas available throughout France?

No. Mains gas is common in urban areas but not in many rural regions. If unavailable, homeowners often use bottled or bulk propane/butane. For mains gas, providers like Engie will need your meter’s PCE number to activate service.

How do I get internet and TV in France?

ADSL is widely available and fibre optic coverage is expanding. Providers include Orange, SFR, Bouygues and Free. TV is often bundled with internet, or you can add a satellite dish for UK channels. Use France’s broadband map to check availability in your area.

Do I need to pay a TV licence in France?

No. The French TV licence (contribution à l’audiovisuel public) was abolished in 2022. As of 2025, there’s no separate fee, but always declare any changes when registering for tax to stay compliant.

The post How to connect utilities in France – electricity, gas, water, internet, phone and TV appeared first on Your Overseas Home.