Investment Structuring
We'll help you choose the optimal ownership structure — considering your goals, taxes, and exit plans
Property Ownership Structures
The choice depends on your goals: personal residence, investment, or business
Personal Ownership
Buying as an individual — simple and straightforward
Pros:
- Easy to set up
- Low maintenance costs
- Clear taxation
Cons:
- •Personal liability
- •Harder to pass to heirs
- •Capital gains tax
Best for:
For personal residence or single property
Portuguese Company (Lda)
Unipessoal Lda — single-member company
Pros:
- Limited liability
- Tax optimization
- Easier to scale
Cons:
- •Accounting costs
- •21% corporate tax
- •Complex structure
Best for:
For multiple properties or rentals
Holding Structure
Foreign company owns the Portuguese entity
Pros:
- Tax optimization
- Asset protection
- Exit flexibility
Cons:
- •High costs
- •Complex compliance
- •Requires planning
Best for:
For large investments from €1M
Tax Comparison
| Parameter | Individual | Company |
|---|---|---|
| Rental income tax | up to 48% | 21% |
| Capital gains tax | up to 48% (50% base) | 21% |
| Maintenance costs | Minimal | €2-5k/year |
| Inheritance transfer | More complex | Easier |
| Asset protection | No | Yes |
What's Included
Individual analysis and recommendations for the optimal structure
Goal Analysis
We'll discuss what you want: personal residence, investment, or business
Tax Modeling
We'll calculate taxes for different structures using your example
Structure Recommendation
We'll suggest the optimal option considering all factors
Implementation Plan
We'll provide a step-by-step plan: what to do and in what order
Frequently Asked Questions
When does it make sense to set up a company?
Usually for investments from €300-500k or when planning multiple properties. Also if asset protection or inheritance optimization is important.
How much does company maintenance cost?
Accounting €150-300/month, plus annual reports and audits for larger companies. On average €2-5k per year.
Can I transfer property to a company later?
Yes, but it triggers taxes as if selling. Better to decide on the structure before buying.
Do I need to be a Portuguese tax resident?
Not necessarily, but NHR status provides significant tax benefits. We'll discuss this in the consultation.
Book a Consultation
Leave a request — we'll contact you to discuss your situation
Or contact us directly:
Related Articles
All ArticlesGolden Visa Portugal
Fund-based residency program — structuring for GV investors
Investment Overview
Compare investment strategies and structures
New Construction Projects
Investment opportunities in new developments
Capital Gains Tax
Tax implications when selling investment property