Top 4 Holborn-Exclusive Products to Access the Portuguese Golden Visa in 2025

Fully compliant with the current legislation.

1. Solaqua Hotel

(€349-399k)

  • Falls under the Share Capital or Fund category (not considered real estate)

  • Developer loan option available (up to €50,000)

  • Upfront returns of €101,000

  • Buyback guarantee or option to keep an apartment in year 6

  • Free stays benefit: 4 weeks per year

  • Combines EU citizenship with profitability

2. Navigator Hotel Chain

(€325k)

  • Invest in a hotel chain with 9 operating hotels

  • Falls under the Share Capital category (not considered real estate)

  • Developer loan option

  • Buyback guarantee at year 6 of €375,000

  • Free stays benefit: 3 weeks per year

  • Net Cashflow +€50,000 (325 out, 375 in)

3. Classic Investment Fund Route (€500k)

  • Investment in CMVM-regulated Portuguese funds

  • Fully compliant and time-tested structure

  • Broad selection of funds: varied risk/return profiles

  • ROI plus potential return of capital

  • Potential for the highest long-term financial return

  • Combines EU citizenship with investment growth

4. Private Financing (€168k contribution)

  • Under the investment fund category.

  • “Donation-style”, no uncertainty.

  • Private financial lender

Matias Aguayo, Residency and Citizenship
In partnership
with
Lincoln Global Partners
Greece Golden Visa · 2026

Greece Golden Visa: Europe's most flexible permanent residency by investment

Permanent residency from €250,000, for you, your spouse, children, parents and parents in law. The card renews every 5 years, for life, while the investment is held. No need to live in Greece, or even visit.

See every route
  • Matias Aguayo, Sr. Consultant at Lincoln Global Partners
  • Lodged by licensed Greek counsel

The programme in five lines

  • Lowest qualifying investment€250,000
  • Residency typePermanent
  • Card renewalEvery 5 years
  • Minimum stay to keep itZero days
  • Schengen countries29
Matias Aguayo, Residency and Citizenship
In partnership
with
Lincoln Global Partners

Matias Aguayo runs a private investment migration practice alongside serving as a Sr. RCBI Consultant for Lincoln Global Partners, a world renowned Dubai based investment migration firm and member of the Investment Migration Council. Greek filings are lodged by licensed counsel on the ground in Greece.

Lincoln Global Partners in the media
Investment Migration Council Investment Migration Insider Financial Times Bloomberg Investopedia Travel and Leisure expat.com
Timely · What is changing

Purchase tax for buyers from outside the EU is set to rise fivefold

On 6 September 2026 the Greek Prime Minister announced that property transfer tax for buyers from outside the EU will rise from 3.09% to 15%, effective 1 January 2027. Rumours suggest it could be pushed to 1 July 2027.

We will map your timeline against the dates that are actually confirmed. The only certainty is that Golden Visa programmes rarely get cheaper or easier with time.

Property transfer tax
Purchase priceNowFrom 2027
€250,000€7,725€37,500
€400,000€12,360€60,000
€800,000€24,720€120,000
Announced measure, not yet legislated. Notary, registry and legal fees sit on top. Fill the form to receive a personalised all in quote.
€250KLowest route
ZeroDays of stay
29Schengen countries
1,100+Units on our desk
Applicable investment routes

Real estate is the most popular route. It is not the only one.

On real estate the amount depends on where and what you buy. Each route needs one qualifying property.

Lowest entry · Most popular
€250,000

Conversion and restoration, anywhere in Greece

Conversion projects, commercial to residential, or the restoration of listed buildings.

  • Qualifies regardless of location or size
  • The developer handles the renovation, not you
  • Must already hold approved permits for change of land use
Single property
€400,000

Outside the high demand zones

Purchase of one property with a minimum size of 120 sqm.

  • One property, minimum 120 sqm
  • No conversion work involved
  • Also the entry tier for hospitality, location dependent
High demand zones
€800,000

Athens, Thessaloniki and the larger islands

Islands with more than 3,100 inhabitants included.

  • The deepest resale market in the country
  • Also the upper tier for hospitality
  • Same permanent residency, same zero stay

Instalment options are usually available, depending on the developer and project.

Tourism and hospitality

Hotel units and tourist residences

  • €400,00010 year lease or timeshare of hotel units or furnished tourist residences, location dependent
  • €800,000The same route in the higher priced locations
Funds and securities

Greek funds, shares and bonds

  • €350,000Mutual fund or EU based alternative investment fund invested exclusively in Greek assets
  • €500,000Capital into a Greek real estate investment company, closed end fund, or a Greek company on regulated markets
  • €800,000Shares, corporate bonds or government bonds on regulated Greek markets
Banking, deposits and bonds

The passive routes

  • €500,000Fixed term deposit with a Greek credit institution
  • €500,000Greek government bonds with at least 3 years remaining maturity
Startup investment

Elevate Greece

  • €250,000A Greek startup registered with Elevate Greece. Must create and maintain 2 jobs for 5 years, and you may hold no more than 33% of equity or voting rights

Running since 2013. Nearly 50,000 permits issued, over €4 billion in foreign direct investment, and a record 9,407 applications in 2024. Open to all non EU citizens with no criminal record.

The part nobody advertises

The €250,000 category has a pricing problem

Most clients aim to qualify at the €250,000 minimum. Approved conversion projects are limited, so demand outruns supply and the best ones sell out early, usually off plan.

Prices follow that pressure. Converted units are often priced well above comparable residential space on the open Greek market.

Fairly priced conversions do exist. Finding one means comparing a large number of units against real market data, not one developer's word.

1,100+

Qualifying conversion units on our desk

You screen the catalogue yourself, unit by unit, and see which prices hold up against the local market and which carry a Golden Visa premium.

  • Approved change of use permits, eligible on purchase
  • Listing price shown next to local comparables
  • Calls with the developers and a site visit before you commit
  • Optional rental guarantee on many projects, upfront on some
Timeline and process

Property to plastic card, handled end to end.

01 · FREE

Strategy call

What you need, and which route answers it. If Greece is the wrong answer I will say so.

02

Selection

Shortlist from the catalogue, calls with the developers and a site visit, in person or online. Then a 10% deposit and the reservation agreement.

03

Purchase

Power of attorney, tax number and bank account handled with local counsel.

04

Application and after

Application and white paper, biometrics in Greece, then the card. Then renewals, property management, furnishing and soft landing.

From the moment the deeds are transferred and the application made, the card is issued 1 to 4 months after biometrics, depending on the office selected. We recommend filing in faster offices to stay inside the 2 month objective timeline. Only one visit to Greece is obligatory, for the biometrics appointment. Everything else is handled by us and the appointed legal representatives on the ground.

Before you compare offers

The four details that decide whether this fits you

Permanent residency, with a card that renews

The residency is permanent. The plastic card is valid 5 years at a time and renews for life while the investment is maintained.

Renewals are done remotely by you or your representative. Government fees are €2,000 for the main applicant and €150 per dependant over 13, and processing takes 2 to 4 months.

Citizenship is a separate decision

An application can only be submitted after 7 calendar years of permanent and legal residence in Greece, during which you must also be a Greek tax resident, with a B1 Greek certificate.

Holding the card from abroad does not build toward it. Greece accepts dual citizenship, so you keep your original nationality.

No employment rights

Holders and their family cannot work as employees in Greece. Self employment and business ownership are permitted, and you can hold a Greek company as shareholder or non executive director.

Full EU work rights come with citizenship, not the card.

No short term letting

A Golden Visa property cannot be listed on Airbnb or similar. A minimum lease term of one year is mandatory.

Long term letting is allowed. Many projects offer an optional rental guarantee, typically 3% to 4% per annum, some paid upfront. Letting it yourself can return more. Many clients still take the guarantee, giving up some yield for peace of mind and a fully passive investment.

Your adviser

Matias J. Aguayo Grove

Sr. RCBI Consultant, Lincoln Global Partners

Chilean and Spanish citizen, and a Portuguese resident. A global citizen myself, living between the Southern Cone and Iberia. Five years in investment migration, specialising in both European and Latin American residency by investment.

In partnership with
Lincoln Global Partners

Lincoln Global Partners

Dubai based investment migration firm

Clients guided to residency and citizenship from 25 different countries across Europe, Latin America, the Caribbean, the Pacific and Africa.

  • Member of the Investment Migration Council
  • Cited in Bloomberg, the Financial Times, Investopedia and IMI
  • Filings lodged by licensed local counsel
Questions investors actually ask

Straight answers

Do I have to live in Greece to keep the residency?

No. There is no minimum stay, so you do not have to live in Greece or even visit to maintain it. The card is valid 5 years at a time and renews perpetually while the investment is maintained.

Physical residence only matters if you later pursue citizenship, which is a separate decision.

Why is the €250,000 route cheaper?

It is a specialised route for conversion projects, commercial to residential, and for restoring listed buildings. It qualifies regardless of location or size, which no other real estate route does.

The developer handles the renovation, not you, and the project must already hold approved permits for change of land use.

If conversion units are priced high, why buy one?

Because the premium is uneven. Approved projects are limited and demand exceeds supply, so some developers price accordingly and others do not, usually where they work at volume or the location is less obvious.

The only way to tell them apart is to compare a lot of units against real comparables. If nothing stands up on value I will tell you to look at the €400,000 route or wait, and explain why.

What happens if the 15% transfer tax comes in?

On a €250,000 unit the transfer tax moves from about €7,725 to €37,500. It is announced and not yet legislated, so we confirm the position in writing once the text is published and build your timeline around the rules in force when you sign.

Who else in my family is covered?

Your spouse or registered partner, single children under 21, your parents and your parents in law, with no dependency conditions on the parents. Applications can be submitted together and every permit carries the same validity as yours.

Children between 21 and 24 move to their own 3 year permit at renewal. After 24 they need their own solution, which can be their own application with you as their dependent parent.

Can I rent the property out?

Long term, yes. It cannot be listed on Airbnb or similar, and a minimum lease term of one year is mandatory. There is no obligation to live in it.

Many projects come with an optional rental guarantee, typically 3% to 4% per annum, and some pay the income upfront for a 3, 5 or 6 year contract. Letting it yourself can return more, but the guarantee keeps the investment passive.

How long does it take, and how often must I travel?

The card is issued 1 to 4 months after biometrics, depending on the office selected. Timing also depends on how fast documents reach the lawyers and your family's availability for biometrics.

Only one visit to Greece is obligatory, for the biometrics appointment. If your passport does not allow entry, the white paper receipt issued after the online application serves as a temporary permit for that trip.

What are the costs on top of the investment?

Government processing is €2,000 for the main applicant and €150 per family member over 13, for issuance and renewal. Under 13 are exempt. Card printing is €16 per person. Health insurance is mandatory for everyone on the application and runs €100 to €350 per person per year.

Acquisition costs are transfer tax, land registry and notary. Once a property is selected I calculate the exact figure. These amounts are updated yearly by the Greek authorities.

Do I have to pay tax in Greece?

The Golden Visa grants a residence permit, not automatic tax residency. That only applies if you spend 183 or more days a year in Greece, or Greece becomes your centre of vital interests.

Holders who are not tax residents are taxed only on Greek income, which for most investors means rental income, at a flat 15% up to €12,000 a year. General information, not tax advice.

Can I invest through my company?

Yes, within limits. The entity must be based in the EU or EEA, Greece included, it must fully own the property at the threshold for the route, and you must own 100% of the shares with no other shareholders.

Your next step

Start with the numbers, not a sales call.

The guide and the current unit catalogue arrive in your inbox straight away, then you pick a time on my calendar. Thirty minutes, no obligation.

Matias Aguayo, Sr. Consultant at Lincoln Global Partners
Lodged by licensed Greek counsel

Important. The contents of this page are provided for educational and informational purposes only and should not be construed as legal, financial, tax or investment advice. Immigration legislation and Golden Visa programme rules are subject to change. All investment and immigration decisions carry inherent risks, including rejection and loss of capital. Past performance or analysis does not guarantee future results. Do your own research before acting. No guarantees regarding residency approval, investment outcomes or programme availability are offered. Thresholds, rates, fees and timelines shown are indicative and current at September 2026. The 15% transfer tax referred to above was announced on 6 September 2026 and has not yet been legislated, so its final scope and date may differ. Nationals of Russia may only apply if they hold an alternative nationality.

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