Silver Coast · Portugal

Your home on the Silver Coast, found with care.

Personal guidance for international and local buyers and sellers on Portugal's Silver Coast. In English, Dutch, French and Portuguese.

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Virginie Verschaete welcoming visitors at a modern villa with pool
Buyers & sellersHomes, land, new builds
EN · NL · FR · PTFour languages
Start to finishFrom first visit to escritura
Services

How I can help

i.

Selling

A price based on a thorough market analysis. I bring properties to market at a realistic value, because a correctly priced home attracts serious buyers and sells. Add to that a premium presentation with photography and video, and reach towards international buyers.

Request a valuation →
What documents you need to sell →
iii.

New builds & land

Off-plan apartments and villas and building plots, explained clearly so you know what you are buying before it is built.

Selling

The documents you need to sell in Portugal.

Having your documents ready avoids delays between the CPCV and the escritura. I help you gather and check them before your property goes on the market.

  • Caderneta predial urbanaThe property's tax record, issued by the tax authority (Finanças).
  • Certidão permanente do registo predialThe land registry record: owners, mortgages and other charges.
  • Licença de utilizaçãoThe use licence from the municipality. Not required for buildings from before 1951 without later alterations.
  • Ficha técnica da habitaçãoThe technical sheet of the home, for homes licensed after March 2004.
  • Certificado energéticoThe energy certificate, required to advertise and to sell.
  • Declaração do condomínioFor apartments: a statement from the building administration on outstanding charges, needed at the deed.
  • DistrateIf there is a mortgage: the release from the bank at the deed.
  • IdentificationID and Portuguese tax number (NIF) of all owners.

General overview. Your lawyer or notary confirms what applies to your property.

Your route as a seller

From valuation to escritura.

  1. Set a realistic price

    A market-based valuation, from your caderneta and a visit.

  2. Mediation contract

    Signed before the marketing starts. You choose the type of contract.

  3. Documents

    Gathered and checked before your property goes on the market.

  4. Marketing

    Prepare and enhance the property, invest in professional photography and promote it through the right channels, in Portugal and abroad.

  5. Viewings and offers

    Viewings organised, offers negotiated through to the CPCV.

  6. Escritura

    Signing the deed and handing over the keys.

Three types of contract

Exclusive

One point of contact who coordinates the whole sale. Other agents can still bring their buyers, so your property reaches the entire market.

Semi-exclusive

I am your agent, and you can also sell the property yourself. If you find the buyer yourself, 50% of the commission is due, for the work already carried out.

Non-exclusive

Your property can be sold by you or by other agents. Only the agent who brings the buyer receives the commission.

I advise you on the contract that best suits your situation.

Valuation

Request a valuation of your property

Tell me about your property and, if you have it, attach the caderneta predial. I prepare a valuation based on the market and contact you within 24 hours.

Prefer a quick online estimate first? Use the online tool →

Buying
Buyer's agent

Every property on the market. One agent on your side.

Most agents show you their own listings. As your buyer's agent I look at the whole market for you: properties listed by other agencies, new developments and homes sold privately by their owners.

With a buyer's agent agreement I work for you, the buyer. We agree my fee in writing before we start, and it is only due when your purchase goes ahead. For properties already listed by an agency, the commission is usually paid by the seller; for private sales, we agree the fee in your buyer's agent agreement.

  • 01

    Search across agencies, portals and private sellers

  • 02

    Viewings selected and prepared, also when you are abroad

  • 03

    Checks of the property documents together with your lawyer

  • 04

    Negotiation on your behalf, through to the escritura

Your route as a buyer

From first conversation to escritura.

  1. Conversation

    Your plans, budget and timing.

  2. Search

    A shortlist matched to your brief, from the whole market.

  3. Viewings

    Organised, prepared and followed up.

  4. CPCV

    Negotiation and the promissory contract.

  5. Escritura

    Signing the deed and receiving the keys.

Buying from abroad

What international buyers ask me first.

General information to get you started. Every purchase is different, so always check your own situation with a lawyer.

Can I buy property in Portugal as a foreigner?

Yes. There are no general restrictions on foreigners buying property in Portugal. You will need a Portuguese tax number (NIF) before you sign.

How does the purchase work?

Usually in two steps: first the CPCV, a promissory contract with a deposit, then the escritura, the deed, signed before a notary or another authorised professional. The purchase taxes (IMT and stamp duty) are paid before the deed.

Do I need a lawyer?

It is not compulsory, but I always recommend an independent lawyer to check the property's documents and the contracts. I can introduce you to lawyers I work with.

Do I have to be in Portugal to buy?

Not necessarily. With a power of attorney (procuração), someone can sign on your behalf. Most buyers still like to visit before deciding, and I organise those viewings so your time here is well spent.

What does it cost on top of the price?

Mainly IMT (property transfer tax), stamp duty, deed and registration costs, and your lawyer. The amounts depend on the price, the type of property and your situation. I help you estimate them for a specific property.

Can you help me with a property listed by another agency or a private seller?

Yes. As your buyer's agent I can help you with any property on the market, not only my own listings. For private sales we agree the terms in a buyer's agent agreement before we start.

For sale

Current properties

My up-to-date listings, with prices, photos and details, are on my professional listings page.

Looking for something that isn't listed? Tell me what you're searching for.

Areas

Where I work

The Silver Coast, with a focus on these towns and the municipalities around them.

ATLÂNTICO Alcobaça São Martinho do Porto Foz do Arelho Caldas da Rainha Óbidos Bombarral Lourinhã ↓ LISBOA
Portrait of Virginie Verschaete
About

International outlook, local knowledge.

I'm Virginie Verschaete. My international life started early, with an Erasmus exchange, and later I moved from Belgium to Portugal myself. So I know first-hand what it means to find a home in a new country. Today I guide buyers and sellers from Portugal, across Europe and further afield.

My background is in business economics: I hold a postgraduate master's in Business Economics from KU Leuven and a European master's in Sport Management. In Belgium I ran an exclusive wellness centre, where I learned what premium service really means. In 2017 I built my first house in Portugal, followed by three more, all run as holiday rentals (Alojamento Local). From that experience I moved into real estate. I look at every property through the eyes of an owner, a builder and an investor.

Whether it is a family home, a building plot or an exclusive villa, every client gets the same approach: honest advice, clear communication and someone who stays involved until the keys change hands.

I have always loved a challenge. I am driven and, admittedly, a perfectionist. I prepare every viewing carefully, follow every file closely and answer every question, because buying or selling a home leaves no room for half measures.

KU LeuvenBusiness economics
Since 2017Building and renting in Portugal
4 housesBuilt and run as holiday rentals
Virginie Verschaete
Contact

Let's talk about your plans.

Call, email or send a WhatsApp message. I reply in English, Dutch, French or Portuguese.

I reply within 24 hours.

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