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105-E Offshore situation 2017 : Offshores
103-E Mortgages : Offshores
109-E Buying, Selling & Cost 2018 : Buying & Selling
104-E Changing offshore taxation : Offshores
118-E Building & Architects : Building
107-E Education in Portugal : Education
106-E Tax on Rental Income : Taxation & Succession
120-E Building restrictions in Portugal : Building
110-E SZA-Homecare : Health
124 E Other mortgages : Offshores
134-E Fiscal Representation : Taxation & Succession
100-E Realestate-Algarve INFO : Home
195-E Marriage : Licences
205-E A.I.M.I. Additional Rates Tax : Taxation & Succession
207-E Labour contracts : Labour contracts
229-E Trust 10 years on : Offshores
230-E Rights of a sole trader : Labour contracts
236-E New ID Card for Residents : From the Newpapers
000-D More about Us : Home
201-E Divorce in Portugal : General
Austerity and stabiliation package for Portugal : Taxation & Succession
195-E New austerity measures : Taxation & Succession
208-E Is it still worth it? : Offshores
202-E New Local Lodging Regulations : Rentals and Letting
233-Earthquakes & Tsunami : General
238-E AIMI TAX : Taxation & Succession
: Offshores
133-E Capital Gains Tax on Rental properties : Taxation & Succession
244-E Income tax Spain 2019 : Taxation & Succession
In the Algarve : Heating and Cooling
101-E Business profile : About Us
114-E Long term property rentals : Rentals and Letting
204-E Condominium requirements : General
116-E Tax evation & Tax planning : Taxation & Succession
121-E New tax reforms on realestate : Taxation & Succession
111-E Tax on Rental Income : Taxation & Succession
115-E AFPOP : General
117-E Architects : Building
119-E Project Management : Building
122-E Buying or Building : Building
123-E New property tax laws 2004 : Taxation & Succession
201-E Re Valuation of properties in 2012 : Taxation & Succession
246-E Income tax Spain on Rental Income : Taxation & Succession
200-E Evaluations of older properties : Taxation & Succession
211-E Portuguese Nominee Company Yes or No : Offshores
232-E I.M.T. - 2018 : Real Estate
Via CTT registration : From the Newpapers
237-E New law for independent workers : Social Security
239-Capital Gains Tax : Taxation & Succession
245-E Non Habitual Residence : Taxation & Succession
248-E Golden Visa : Taxation & Succession
145-E Property licening : News letters
145-E Reversed mortgages : Offshores
144-E Letting your property in Portugal : Rentals and Letting
142-E Legalisation of illegal buildings : Building
146-E Newsletter March 2006 - 1 : News letters
147-E Newsletter March 2006 - 2 : News letters
194-E Inspection Rental Licence : Rentals and Letting
112-E Taxation in Portugal 2009 : About Us
150-E Newsletter March 3 : News letters
151-E Newsletter April 1 Rentals : News letters
152-E Newsletter 2 April 2006 : News letters
153-E Rentals license - the total picture : Rentals and Letting
100-E About Realestate Algarve 2017 : About Us
154-E Property Management : Property Management
198-E Commissions rate : Real Estate
206-E Compensation to staff : Labour contracts
Home : About Us
155-E Again about rentals. : News letters
156-E Rentals and no progress : News letters
157-E Fiscal Number : Taxation & Succession
158-E Possible change in off-shore taxation : Offshores
159-E New Residency Laws : General
235-E New AL Legislation July 2018 : Rentals and Letting
190-E Short term rentals : Rentals and Letting
215-E Law about Local Lodging (AL) : Rentals and Letting
216-E Health Insurance : Health
217-E Tax on Rental Income : Taxation & Succession
001-D Over Ons : General
219-E Social Security : Social Security
219-E Social Security : Social Security
227-E Bush fire prevention : From the Newpapers
228-E Last day for paying Rates : From the Newpapers
231-E New legislation offshore property companies : Offshores
242-E Register of Beneficial Owners : Offshores
197-E Environmental-friendly houses : Building
241-E Register Effective Beneficiary : Offshores
199-E Disclosure of assets in Belgium : Offshores
225-E Residencia : Moving to Portugal
192-E Energy Certificate : Licences
191-E Rental issues again : Rentals and Letting
249-E Central Registration Benficial Owners : Taxation & Succession
160-E Documents needed for title Deed (Escritura) : Buying & Selling
161-E Development control : Building
162-E Capital Gains again : Taxation & Succession
164-E Tax on Expatriates : Taxation & Succession
165-E Hunting : Miscellaneous
166-E Villa licensing and no progress : Rentals and Letting
167-E Algarve Resident Feb. 2007 : News letters
168-E ReAct Discretionary Trust : Taxation & Succession
169-E Off-Shores and Trusts : Offshores
170-E Reverse home schemes : Offshores
171-E April 2007 : Rentals and Letting
172-E Tax Amnersty for British off-shore accounth : Taxation & Succession
173-E Off-Shore Bank accounts : Taxation & Succession
174-E Short-term holiday letting : Rentals and Letting
175-E Property Management Agreement : Property Management
176-E Equity release schemes : Offshores
177-E Holiday let licening : Rentals and Letting
178-E English inheritance tax : Taxation & Succession
179-E Holiday lets and Rental Income : Rentals and Letting
180-E Buying off-plan : Buying & Selling
181-E Setting up a company : Business structures in Portugal
226-E Owning Spanish Property in a company : Offshores
234-E Stricter laws on local rentals : Rentals and Letting
230-E AL Licence explained : Rentals and Letting
182-E Calculation C.G.T. : Taxation & Succession
215-E Law about Local Lodging : Rentals and Letting
Registration ViaCTT : From the Newpapers
183-E Trusts : Offshores
117-E Application short term rentals : Rentals and Letting
196-E Importing a car : General
126-E What inheritance law applies in Portugal : Inheritance
210-E Car Issues : Motoring
094-E Taxation and Taxes in Spain : Taxation & Succession
213-E Demise of Offshore Property Companies. : From the Newpapers
214-E Delaware not included in black-list : From the Newpapers
240-E Rights of a sole trader : Social Security
184-E Tax retuns (IRS) 2007 : Taxation & Succession
185-E New Road Tax : Taxation & Succession
186-E Driving license renewal : General
187-E Valuations : General
218-E 15 countries from the black list : Offshores
188-E New Tourist Rental License : Rentals and Letting
189-E New Car tax system 2008 : Taxation & Succession
203-E Non Habitual Residence (10 years exemption) : Taxation & Succession
125-E Inhertiance Tax in Portugal : Inheritance
Algarve Events 2017 : From the Newpapers
212-E Bearer Shares : Offshores
193-E Registration of Hydric Resources : Licences
247-E Mortgage process Portugal : Mortgages
209-E Change in US Registered companies : Offshores
245-E Application Dutch AOW : Health
247-E Non-Habitual Resident : Taxation & Succession
222-E Conveyance : Real Estate

009-D Thuiszorg in de Algarve : Gezondheid & Soc.Verzekeringen
014-D Sociale Verzekeringen : Gezondheid & Soc.Verzekeringen
019-D Bouwbeperkingen in de Algarve : Bouwen
011-D AWBZ : Gezondheid & Soc.Verzekeringen
000-D Introductie : Home
004-D Makelaardij in Portugal : Algemeen
003-D Hypotheken in Portugal : Hypotheken
005-D Belastingen in Portugal 2005 : Belastingen & Erfrecht
008-D Veranderingen in offshore per 1/1/02 : Offshores
015-D Kwalitatief Marktonderzoek : Belastingen & Erfrecht
013-D Ziektekosten verzekering : Gezondheid & Soc.Verzekeringen
017-D Kopen en Wonen in Portugal : Algemeen
018-D Bouwbegeleiding : Bouwen
007-D A.F.P.O.P. : Diversen
009-D Kopen en verkopen & kosten : Algemeen
024-D Nieuw Nederlands belastingstelsel : Belastingen & Erfrecht
025-D Veranderingen in makelaardij : Algemeen
002-D Makelaars in Portugal : Algemeen
033-D I.M.I. - Onroerende zaak belasting : Belastingen & Erfrecht
037-D Uitwisseling gegevens rentetegoeden : Belastingen & Erfrecht
035-D Erfrecht procedure : Belastingen & Erfrecht
036-D Naheffing in SISA : Belastingen & Erfrecht
038-D Vermogenswinstbelasting 2014 : Belastingen & Erfrecht
078-D Sociale Verzekeringen 2010 : Gezondheid & Soc.Verzekeringen
080-D Omgekeerde hypotheek : Offshores
039-D Het Nieuwe Nederlandse Erfrecht : Belastingen & Erfrecht
041-D Sociale lasten onafhankelijke werkers : Gezondheid & Soc.Verzekeringen
081-D Nederlands onderwijs in de Algarve : Onderwijs
073-D Vergunningen voor waterbronnen. : Vergunningen
075-D Trouwen : Algemeen
076-D Versimpeling Europees erfrecht : Belastingen & Erfrecht
082-D Tweetraps Testamenten : Belastingen & Erfrecht
118-D A.I.M.I. - Aanvullende belasting : Belastingen & Erfrecht
142-D Aanvullende AL wetgeving : Huur en Verhuur
020-D Verbouwen van een boerderij : Bouwen
077-D Inrichting en Binnenhuis Architectuur : Bouwen
083-D Zorgtoeslag : Gezondheid & Soc.Verzekeringen
082-D Aanvaarding van een erfenis : Belastingen & Erfrecht
087-D Tolheffing in Portugal : Algemeen
084-D Hertaxatie van huizen in 2012 : Belastingen & Erfrecht
089-D Belastingveranderingen 2012-2013 : Belastingen & Erfrecht
090-D Belastingen in Spanje : Belastingen & Erfrecht
100-D Belastingheffing op huurinkomsten : Belastingen & Erfrecht
101-D Beneficiar aanvaarden van een erfenis. : Belastingen & Erfrecht
103-D Woonlandfactor : Gezondheid & Soc.Verzekeringen
107-D Executeur-Testamentair : Belastingen & Erfrecht
109-D Verhoging van de AOW leeftijd : Gezondheid & Soc.Verzekeringen
136-D Belastingvrij schenken : Belastingen & Erfrecht
151-D Erfenis uit het buitenland : Belastingen & Erfrecht
152-D Belastingschijven 2019 : Belastingen & Erfrecht
036-D December 2002 : Nieuws uit de kranten
108-D Nieuwe huwelijks recht per 01/01/2018 : Belastingen & Erfrecht
023-D Huren voor een langere termijn : Huur en Verhuur
012-D Belastingontduiking & Belastingplanning : Belastingen & Erfrecht
016-D Veranderingen in onr. goed bel. per 1-1 : Belastingen & Erfrecht
027-D Nieuwe belastingwetgeving 2004 Patrimonium : Belastingen & Erfrecht
003-D Hypotheek Info RABO : Hypotheken
028-D Buitenlandse spaartegoeden per 1-1-2005 : Belastingen & Erfrecht
029-D Inkomstenbelasting of I.R.S. : Belastingen & Erfrecht
030-D Belasting vertegenwoordiging : Belastingen & Erfrecht
031-D Nieuwe makelaardij wetgeving : Makelaardij
032-D Ficha Tecnica de Habitação : Bouwen
114-D Hoe nu verder met de off-shore - deel 1 : Offshores
Woonvergunning : Vergunningen
001-D Meer over Ons : Algemeen
130-D Wie erft zonder testament? : Belastingen & Erfrecht
135-D Hoeveel AOW per 01-07-2018 : Gezondheid & Soc.Verzekeringen
131-D Verhuur 2e woning in Spanje : Huur en Verhuur
134-D Belasting op verhuur Spanje : Belastingen & Erfrecht
120-D Belastingplichtig na vertrek? : Belastingen & Erfrecht
042-D Legalisatie illegale bouw : Bouwen
043-D Een eigen bedrijf in Portugal : Zakenlijk
044-D Verhuur van Uw huis in Portugal : Huur en Verhuur
045-D Aangifte inkomsten uit werkbetrekking : Belastingen & Erfrecht
046-D Belastingaangifte uit arbeid : Belastingen & Erfrecht
072-D CVZ en terugbetaling : Gezondheid & Soc.Verzekeringen
047-D Wie is belastingplichtig in Portugal : Belastingen & Erfrecht
095-D Over erfrechtzaken : Belastingen & Erfrecht
098-D Schenken tijdens het leven aan kinderen. : Belastingen & Erfrecht
048-D Nieuwe Huurwet 2006 : Huur en Verhuur
049-D Overlijdensakte : Gezondheid & Soc.Verzekeringen
051-D Is een off-shore nog de moeite waard? : Offshores
052-D Wat te doen indien U nog een off-shore heeft : Offshores
053-D Maken van testament en echtscheiding. : Belastingen & Erfrecht
062-D Vermogenswinstbelasting in Spanje : Belastingen & Erfrecht
063-D Medische behandeling in Nederland : Gezondheid & Soc.Verzekeringen
134-D Flitsscheiding : Belastingen & Erfrecht
140-D Nieuwe verhuurwetgeving (AL) juli 2018 : Huur en Verhuur
064-D Korte termijn verhuur : Huur en Verhuur
119-D Aandelen aan toonder : Offshores
129-D Zwart geld in het buitenland : Nieuws uit de kranten
126-D- Wie heeft er recht op AOW : Gezondheid & Soc.Verzekeringen
123-D Belastingen over 2018 : Belastingen & Erfrecht
127-D DigiD : Belastingen & Erfrecht
139-D Aanmerkelijk belang : Belastingen & Erfrecht
065-D AOW in het buitenland : Gezondheid & Soc.Verzekeringen
066-D Wonen en werken buitenland : Algemeen
079-D Importeren van een Auto : Diversen
084-D Rechtzaak Zorgverzekering : Algemeen
093-D Belastingen in Spanje : Belastingen & Erfrecht
104-D Nieuwe wetgeving vakantieverhuur AL : Huur en Verhuur
067-D Energielabel : Vergunningen
068-D Franchise organisaties in Nederland : Algemeen
097-D Nieuwe registratie van Ont. Goed in Loulé : Juridisch-Legaal
094-D Energie label - Nieuwe aanvullende wetgeving : Juridisch-Legaal
069-D Tarieven AOW 2009 : Gezondheid & Soc.Verzekeringen
054-D Aftrekbare medische kosten voor IRS : Belastingen & Erfrecht
005-D Belasting en Erfrecht 2006 : Belastingen & Erfrecht
055-D Niet of te late betaling van belastingen : Belastingen & Erfrecht
056-D AOW & ANW uitkeringen & Min. Loon : Gezondheid & Soc.Verzekeringen
057-D Afhandeling erfenis in Portugal : Belastingen & Erfrecht
058-D Huishoudelijk Personeel : Personeel
: Belastingen & Erfrecht
099-D Formulieren sociale zekerheid in Europa : Gezondheid & Soc.Verzekeringen
102-D Verantwoordelijkheid Makelaar : Makelaardij
143-D Aanvragen AOW : Gezondheid & Soc.Verzekeringen
059-D Witwassen geld : Belastingen & Erfrecht
060-D Vermogenswinst belasting in EG : Belastingen & Erfrecht
061-D Schenken aan kinderen : Belastingen & Erfrecht
071-D Zorgtoeslag in het buitenland : Gezondheid & Soc.Verzekeringen
113-D Schenken in Spanje : Belastingen & Erfrecht
124-D Hoeveel bedraagt de AOW in 2018 : Gezondheid & Soc.Verzekeringen
122-D Erfenis uit het buitenland : Belastingen & Erfrecht
092-D Kopen in Spanje : Makelaardij
111-D Erfrecht in Europa : Belastingen & Erfrecht
117-D De Staatsbegroting = OE 2018 : Belastingen & Erfrecht
125-D Residentie kaart : Vestigen in Portugal
085-D Echtscheiding : Belastingen & Erfrecht
001-D Over Ons : Home
110-D Schenking O.G. Portugal aan kinderen : Belastingen & Erfrecht
116-D Hoe nu verder met de offshore - deel 2 : Offshores
121-D Belasting op vermogen in België & Nederland : Belastingen & Erfrecht
128-D Zo regelt U uw erfenis : Belastingen & Erfrecht
070-D Zorg in het buitenland : Gezondheid & Soc.Verzekeringen
074-D Verlaging successierechten : Belastingen & Erfrecht
133-D ERFRECHT : Belastingen & Erfrecht
115-D Belastingvrij schenken aan een kind. : Belastingen & Erfrecht
132-D Testament in Spanje : Belastingen & Erfrecht
086-D Uitschrijven uit Nederland : Belastingen & Erfrecht
106-D Aftrekosten I.R.S. 2015 : Belastingen & Erfrecht
088-D Nogmaals Tolwegen : Algemeen

print article105-E Offshore situation 2017

Portuguese property purchase 28/03/2017


Since 2002 there have been various reforms of property taxation by the Portuguese authorities, including the introduction of a penalty tax rate which increased the level of Municipal Tax (rates) payable in respect of properties held by companies included on the Portuguese Finance Ministry "blacklist". That tax rate is now set at a flat 7.5% of the "Valor Patrimonial" (Rateable Value) making the tax payable unacceptable for most properties. The same changes also imposed a tax on a presumed rental income calculated at 1/15th of the "Valor Patrimonial" in the case of a property held by such a blacklisted company.

Notwithstanding the above, there are still advantages to be achieved by holding Portuguese property in the name of a suitable non "black listed" non resident company including:

1. SUCCESSION CONSIDERATIONS – Whilst inheritance tax in Portugal was abolished as from 01.01.2004, it has been replaced with a 10% stamp duty based on the tax department value of the asset - unless the inheritors are close family members. The tax department has now completed revaluing all properties upwards to a more realistic market level and accordingly that 10% stamp duty charge can be meaningful. Thus in cases where a property investment is to be held by non-related parties it is often better to have the title held by a company with the shares issued to the beneficiaries in the appropriate percentages. As a company never dies, a Portuguese property owned by a company should not be subject to any charge to stamp duty in Portugal.

It should also be noted that the purchase of property by a company may give tax planning opportunities in respect of the eventual transmission of ownership on death, where the beneficial owner of the company is subject to inheritance tax in his or her home jurisdiction. The establishment of a discretionary trust to hold the shares of the company offers considerable advantages which may include any or all of the following: (i) avoidance of the considerable expense and delays of probate; (ii) asset protection; (iii) capital or income tax savings; (iv) confidentiality; (v) flexibility. For further information please contact us.

2. AVOIDANCE OF PORTUGUESE CAPITAL GAINS TAX - Portugal taxes resident individuals under a unitary individual income tax, capital gains being amalgamated with other income for tax purposes. For residents only half the capital gain is considered as taxable and thus the effective rate of tax payable on a gain could reach a maximum of 24%.

There is an opportunity for tax residents to "roll-over" a gain into a similar investment either within Portugal or the EU area. For non-residents, however, any gain made is taxed at a flat rate of 28% on the whole gain – there is no exemption. This tax may be avoided by transferring the shares in the property owning company ensuring no transfer takes place in Portugal.

3. SAVING OF PURCHASE COSTS - A purchaser of property in Portugal is liable to pay a property transfer tax called I.M.T. (Imposto Municipal sobre Transmissões) and will also incur notarial and registration fees. I.M.T. is charged on a sliding scale on any property with a value above €92,407. The maximum rate is 6% which applies to properties valued at €550,836 and over. As an example, a property valued at €500,000 would attract I.M.T. of €28,964.75. Notarial and registration fees are fixed by law at reasonably low amounts but Stamp Duty is charged at 0.8% of the value. Plots of urban building land are charged at a flat rate of 6.5% of the value concerned. 2

If a purchaser is offered the opportunity of purchasing shares in a non resident company he or she may avoid incurring these expenses. This makes the purchase an attractive proposition for the purchaser and would normally allow the seller to charge more for the property. The savings made by a purchaser of the shares would often, if invested, earn more than the cost of maintaining the company.

4. EASE OF SALE - Transferring shares in a non resident company avoids the potentially lengthy and protracted procedures which are necessary to register a fresh title in Portugal. The sale and purchase can thus usually be achieved more quickly, easily and cheaply.

5. PROPERTY FINANCE FACILITY - The shares of a non resident company can be used to secure a loan for the purchase of the property. Commonly, the shares are charged to the bank in return for a loan equal to a proportion of the value of the property. This can also be advantageous when two or more parties join together in an investment and/or development project as loan agreements between the parties can be drafted and shareholders agreements entered into to protect or determine future decisions.

6. PRIVACY, CONFIDENTIALITY AND ASSET PROTECTION - These are other advantages of company ownership. It is relatively straightforward to hide the beneficial ownership of the property with subsequent advantages under the above headings.


As mentioned at the start of this information sheet, the traditional holding company jurisdictions of Gibraltar & Bahamas etc are now penalised simply due to their low corporate tax basis. Whilst it is still possible to use these, the higher tax charges imposed normally make it unwise to do so.

Sovereign believes that the most suitable corporate vehicles to hold Portuguese property are those incorporated in either Malta, Delaware - USA, or the UK. None of these appear on the Portuguese black list of offshore jurisdictions and Sovereign believe that it is extremely unlikely they will be added to that list in the light of their EU membership, in the case of Malta and the U.K., and the fact that all are tax treaty partners of Portugal.

In the case of Malta, the vehicle used is subject to Malta corporation tax. In the case of a property company this would normally only be in respect of rental income which would be taxable in the first instance in Portugal due to the fact that the income producing asset is sited there. Whilst that income should be declared as well in Malta the more generous system of allowances and rebates in operation there would normally mean that there would be no further tax to pay although some added accounting costs would need to be considered. Please also note further Maltese tax issues under the heading "Capital Gains" on page 4 of this information sheet.

Delaware corporations only pay a nominal level of State taxes but are liable for US Federal tax (15%-39%). This would generally only be imposed on US source income but for the avoidance of doubt, Sovereign advises that the use of a Limited Liability Company (LLC), where the tax liability flows through to its members, is the preferred structure. Under normal circumstances Sovereign would provide the Members to a Delaware LLC thus providing a measure of tax protection to the beneficiaries.

In respect of the UK, it is vital to ensure that the Portuguese property is held by the UK company holding as "nominee" for the beneficial owner. Under this arrangement title of the property is registered in the name of the company but at the same time a legal agreement is prepared which makes it clear that the company is not the real owner but is holding the asset for the beneficiary and that all financial benefits, being any rental income and any capital gains produced by the sale of the Portuguese assets, are the absolute property of that beneficiary. As such all income and capital gains would be declarable by the beneficiary as being income and capital gains belonging to him or her and the company will always file zero returns at the UK Company Registry and tax department. 3


Whilst the power of attorney issued by the Company to acquire the property can be prepared in the Portuguese language it may also be necessary to provide the Land Registry with a translation of the notarised and legalised copy of the Certificate of Incorporation. This translation is not included in the attached Schedule of Fees and would normally be attended to by the client’s lawyer or other legal representative. However if necessary, Sovereign can arrange for this translation to be effected for an additional cost of €160.00 inclusive of IVA/VAT. A company acquiring property in Portugal must apply to the central commercial registry for a fiscal number. This again would normally be arranged by the clients legal representative but if necessary can be provided through our services at an additional cost of €300 inclusive of IVA/VAT.

Administrative offices of The Sovereign Group are able to assist clients with the preparation and submission of annual accounts for their companies. The costs quoted for accounts support on the Fee Schedule are on the understanding that the client provides the relevant information for accounts to be prepared in a timely manner and that the property is not receiving rental income. If information is not forthcoming Sovereign reserves the right to increase costs according to the extra time spent.

Capital Gains: Capital Gains Tax in Portugal may be avoided if the transfer of the property takes place by transferring the shares of the property owning company leaving title to the property unaltered. However, any capital gain made by selling the shares may be taxable directly on the beneficial owner of the property according to the rules of wherever that owner happens to be tax resident at the time the gain is made. If a buyer does not wish to acquire the company and requires a transfer of title of the property to him/herself, then any capital gain made will be taxable in Portugal at the rate of 25% less limited deductions. The gain may also be taxable wherever the beneficiary resides but generally the tax paid in Portugal may be set off against any personal tax liability in that country. It should be noted that in the above circumstances, capital gains tax would be payable in Malta at the rate of 35%. After deduction of tax paid in Portugal the balance of tax due may be able to be mitigated by the introduction of other deductible expenses.

Income Tax: If the property is let then any rental income must be declared in Portugal and Portuguese tax may be payable following allowable deductions. The income may also have be declared in your own home territory depending on your tax status and local advice should be sought. For details on letting corporate held property to achieve an effective rate of only 3,75% on the income please contact Sovereign – Consultoria Lda via

Fiscal Representation: Any non-resident individual or company, resident outside the EU, who acquires property, must appoint a resident fiscal representative. The fiscal representative is the tax department’s contact point in all fiscal matters in respect of the property. The Sovereign office in Portugal is able to provide this service for a very reasonable initial and annual fee thus ensuring all fiscal matters get dealt with promptly and efficiently. Further details are available on request

Property Insurance: Irrespective of the requirements of a mortgage lender, it is important that a property is adequately insured. Sovereign Insurance Services Limited (SIS) can give advice on a wide range of insurance – property or otherwise They will liaise with various insurance companies to obtain the best policy for you. Please contact us for a quotation, without any obligation.

Sovereign Asset Management: Sovereign Asset Management Limited (SAM) is the division of the Sovereign Group that provides advice and management on investment related matters, specific to client needs. Please contact us for further information.


Date Inserted: 26 December 2002
Last Updated: 19 March 2005
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