International properties, a beginning of a new life.

A comfort zone is a psychological state in which things feel familiar to a person and they are at ease and in control of their environment, experiencing low levels of anxiety and stress. In this zone, a steady level of performance is possible.

Investing in a property abroad is more than a portfolio diversification asset,
but possibly a life changing experience.


We all know that a property abroad is a good way to diversify your wealth, more than that it can be a life changing experience. When you move from your comfort zone to discover new horizons, usually new opportunities appear. A property abroad is also a second home for your family, an outpost for your financial expansion.

A property abroad can as well generate income in a foreign currency, most likely tax free. It can save money in accommodation when you are travelling or even become your retirement house later on.

Additionally, it is a hard asset and can be passed to your next generation usually without inheritance tax. It is also an asset more difficult to be targeted by unforeseen circumstances, an international property can be a secretive asset.


Where to invest in a second property?

There are several countries to consider for a international property investment, some offer better conditions, however, today the most import point to be taken into consideration is how overvalued the particular property market is. Most of the popular international Real Estate markets today are in high risk of recession and overvalued in the property valuation cycle, to mention some the US, Canada, the UK, Australia, New Zealand are not a buyers’ market today.

Look for more financially attractive property market, one of the best and most stable property market to invest today is in southern Europe. These countries suffered deep property value corrections in the last decade and are better positioned in the property cycle, meaning that a property purchased in one of these markets is more likely to gain in value in the next 10-20 years. Also these markets are considerably mature, under trusted and reliable European governments with strong property rights and guarantees.




The Iberian property market, especially the Portuguese, offers the less risky investment against possible return of all analyzed markets. The Portuguese property market has suffered severely in the last 20 years and only now is recovering. Portugal also offers the Golden Visa program, a resident visa for those who invest more than 500,000 Euros in the Country including buying Properties.

Portugal also has other very attractive tax incentives for high net worth individuals and retirees. When you become a non-habitual resident, you can benefit from a very good tax regime, one of the best in Europe, there is also no inheritance tax, gift tax or wealth tax in Portugal, and for the first 10 years there is no income tax for foreign income such as :

  • Investment income, such as dividends and capital gains and rental income.
  • Foreign pensions, including private and personal pensions.*
  • Royalties which are received in another country may also be exempt.
  • Income from foreign employment, provided it is taxed at source under double tax treaty agreements.

*While the pension income may be taxed at source, it may also be possible to transfer the pension to a jurisdiction which means tax is also not deducted at source.


Other factors to consider investing in a property abroad

Except for the obvious of a holiday home in the sun, owning a property elsewhere invites you to truly reinvent your life. Owning a second home will be a temptation for more frequent quick breaks and short holidays.

Arranging a travel without the usual inconvenient logistics of packing and looking for accommodation potentially create an excuse to reunite with family, enjoy special occasions and appreciate the simple things in life that we tend to forget about in our busy everyday lives. You may also get to know other like-minded families and become a part of a selected community circle where special bounds are made and unique friendships developed.

At some point such experience can make you feel like a local in the new place and provide you with the unique chance of having two lives and being able to make an informed choice in terms of best place for you and your family to not only spend holidays but also study, work, retire or access healthcare. Not to mention that you may have your friends and relatives renting your place out to help deal with the maintenance costs or even earn some income! And talking about money – what you spend on your trips and management can be tax deductible.

The last but not least, owning a property can be a first step towards getting a residency or becoming a citizen as we explained.

Other favorable points

  • A great way to enrich your life and start off fresh
  • Enjoy the thrill of integrating into and exploring a new culture
  • Boost the quantity and quality time you get with your family
  • Experience the total immersion into the new world around you
  • Prepare yourself for the unexpected in life
  • Have your private gateway that’s always there if you need somewhere to escape and unwind


‘Home is a shelter from storms – all sorts of storms’ (William J. Bennett)

Things to consider before investing in a foreign property:

Is your international property desired realistic?

Can the property generate income if needed?

Can you afford it?

Do you have the necessary documents?

What is the main purpose for it?

Is the location compatible with you and your finances?

Do you appreciate the property’s country and culture?

If needed, would you be happy living in the property/Country abroad?

Find fantastic properties in Portugal and Spain