Young adults aged between 18 and 35 years old;

Residents of Mainland Portugal or the Autonomous Regions of Madeira and the Azores;

Purchasing their first owner-occupied primary residence;

Properties with a purchase price of up to €450,000;

If you meet the eligibility requirements for the exemption, you will not pay Property Transfer Tax (IMT) or Stamp Duty on the purchase, except where the property value exceeds €330,539.

Applicants must not own any other residential property and must have no outstanding debts to the Portuguese Tax Authority or Social Security.

For properties valued between €330,539 and €660,982, a partial exemption applies, meaning IMT and Stamp Duty are only payable on the portion of the purchase price exceeding €330,539.

For properties valued above €660,982, the exemption does not apply and the full amount of IMT and Stamp Duty will be payable.

In the Autonomous Regions (Madeira and the Azores), the applicable value thresholds are higher.

The lender may finance up to 100% of the property's purchase price;

The Portuguese State guarantees up to 15% of the outstanding loan amount;

The need for an initial deposit may be eliminated, subject to the lender accepting full financing under the State Guarantee Scheme;

It supports access to owner-occupied housing for young people by enabling the financing of the full property value.