AFC - Tax Intelligence

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Portugal
Almancil
AFC - Tax Intelligence

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We specialise in providing expert tax advice tailored to individuals, companies, and international investors.

14/10/2026

They registered for IFICI. Their advisor got it wrong. Two years later, they were overpaying by tens of thousands. Here is what happened next.

A German couple came to us after discovering their investment income had been incorrectly categorised under IFICI for two full tax years.

Their advisor had handled the registration — but had not structured the ongoing income declarations correctly.

We reviewed everything, filed amended returns, and worked directly with the AT to correct the position.

By the end of the process, their Portuguese tax liability for the corrected period was around 40% lower than it had been.

IFICI is a generous regime. But it only works if it is managed correctly, every year.

If you are on IFICI and have not had an independent review of your position, it may be worth one.

📩 [email protected]

06/10/2026

Thirty-two years. A lot has changed. One thing has not.

When AFC opened in 1994, Portugal was a different place. The NHR did not exist. The euro was five years away. Most of our current clients had not yet thought about moving here.

We have advised through all of it — the booms, the crises, the regime changes, the Brexit years, the post-pandemic surge in demand for the Algarve.

Through all of that, the same thing has kept us in business: being the people our clients could rely on, year after year, to know what they were doing.

That still feels like enough to build a firm around.

📩 [email protected] | ☎ +351 289 310 620 | 🌐 afc.pt

01/10/2026

Portugal has a new tax treaty with the UK — and it changes things for British nationals living here.

The UK–Portugal Double Taxation Treaty that came into force in January 2026 replaces one that had been in place since 1969. For British nationals on the IFICI regime — or considering it — the rules around cross-border income have shifted in ways that are not immediately obvious.

If you moved to Portugal from the UK, or if you are thinking about it, this is the year to get a proper view of how your income will be taxed under both the new treaty and IFICI together.

The combination is more nuanced than either document suggests individually.
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24/09/2026

Sometimes clients come to us not at the start — but in the middle of a problem. This is one of those stories.

A South African family was midway through selling their Algarve property when it became clear that their capital gains position had not been correctly prepared for the sale.

The cost basis was incomplete, and important details needed to calculate the capital gain had not been properly accounted for. With the sale progressing and the tax return deadline approaching, there was little time to put everything in order.

We came in, reviewed everything, corrected the position, and managed the conversation with the Autoridade Tributária directly.

The sale went through. The tax was paid correctly. And because we acted proactively, there were no penalties.

If you are selling a Portuguese property and you are not confident your tax history is clean — it is worth finding out before the notary appointment.

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23/09/2026

Here is an honest question. What was the one thing about Portuguese tax that nobody warned you about?

We ask because the answer is different for almost everyone — and almost always interesting.

The rental income rules. The AT's access to foreign bank data. The way NHR or IFICI interacts with income from back home. The fact that fiscal representation is advisable for all non-residents to avoid potential issues when dealing with the Portuguese Tax Authorities.

After thirty-two years of advising international clients here, we have heard most of them.

Tell us yours — in the comments, or by email if you would rather keep it between us.

📩 [email protected]

10/09/2026

The June deadline feels far away in September. It is not. Here is what international property owners should be thinking about right now.

Three things that are far easier to sort in the autumn than in the spring: rental income from this summer (was it declared? does it need to be?), your residency or IFICI position for 2026 (is the documentation in place?), and any property sales that completed this year (has the CGT position been reviewed?).

These are not urgent in October. By April, they are.

We help clients get ahead of the filing season every year — if you would like to do the same, get in touch now.

📩 [email protected]

03/09/2026

September in the Algarve. The summer crowd has gone home — and that is when the paperwork begins.

Every year, as soon as the season ends, our phones get busier. Rental income to declare. Property transactions to close out. Tax filings to review before December.

It turns out that owning a home in one of Europe's most beautiful places comes with a to-do list. We help with the list.

If you spent time in your Portuguese property this summer — renting it out, enjoying it, or both — and you are not sure what needs to be reported, now is the right moment to check.

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31/08/2026

We work with law firms, banks and wealth managers who refer their clients to us for Portuguese tax support. Here is how it works.

Many of our new clients come through professional introductions, from a solicitor in Dublin, a private banker in London, an estate agent in the Algarve, or a family office in Zurich.

The introducing firm trusts us to look after their client, communicate clearly, and stay within our defined scope of work.

In return, their client receives expert Portuguese tax representation, while their firm gains a reliable partner for the areas of their client’s affairs they cannot manage themselves.

If you work with clients who have Portuguese property, investments or tax obligations, and you do not currently have a Portuguese tax advisor you trust, we would be delighted to introduce ourselves.

📩 [email protected]

24/08/2026

The June deadline for Portuguese IRS has passed. If you did not file, here is what to do.

Missing the deadline does not mean ignoring it. In Portugal, late filing can trigger penalties, and if the tax authority already has information about your Portuguese income or property transactions, it can assess your position without your input.

An assessment made without your involvement will not include any reliefs or elections you may have been entitled to.

The practical advice is simple: file as soon as possible, even if you are late. Proactive regularisation is always cheaper than waiting.

If you missed the June deadline and are unsure what to do next, we can help.

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18/08/2026

Considering a move to Portugal? The NHR regime has changed. Here is what you need to know about NHR 2.0 (IFICI).

The original Non Habitual Resident regime ended for new applicants after 2023. In its place, Portugal introduced the IFICI regime, which offers a 20% flat rate on qualifying Portuguese source income for up to ten years.

Qualifying activities include technology, R&D, highly skilled professions, and certain investment roles.

If you have already moved to Portugal or are planning to do so in 2026, the application needs to be submitted correctly and within the relevant timeframe.

Our team has guided clients through every stage of the NHR and now IFICI process for over a decade.

Get in touch to understand your position.

📩 [email protected]

Endereço

Buganvilia Plaza, 47/48 Quinta Do Lago
Almancil
8135-024

Website

https://www.afc.pt/

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