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&lt;p&gt;Welcome to Ideal Homes Portugal’s MoneyMatters Monday, your trusted weekly newsletter delivering fresh expert insights into international real estate investing.&lt;/p&gt;
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&lt;p&gt;This week in Money Matters Monday, we shift our focus to what happens when you find -&lt;em&gt;&lt;span&gt;&#160;&lt;/span&gt;&lt;strong&gt;The One&lt;/strong&gt;&lt;/em&gt;&lt;span&gt;&#160;- what happens after your offer is accepted. From the legal due diligence that takes place behind the scenes, to the hands-on support that ensures a seamless transition into your new home, our experts break down the full post-acceptance journey.&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;N&#237;dia Concei&#231;&#227;o of Mart&#237;nez-Echevarr&#237;a Lawyers&lt;/strong&gt;&lt;span&gt;&#160;explains the legal steps that follow a successful offer - from contract reviews to registrations - while&#160;&lt;/span&gt;&lt;strong&gt;Justine Ness-Van Niekerk, Ideal Homes Portugal’s Head of Aftersales,&lt;/strong&gt;&lt;span&gt;&#160;shares how her team works with our international clients through every step to deliver not just keys, but peace of mind, wherever in the world you may be.&lt;/span&gt;&lt;/p&gt;
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&lt;p&gt;&lt;em&gt;Hello, good to be back and take you through the most exciting part of your new purchase - &#160;making it official, legally. You&#39;ve found the perfect property; your offer&#39;s been accepted – thrilling! But wait, there&#39;s still a legal journey ahead before you get the keys in hand. Here’s a step-by-step breakdown of what goes on behind the scenes, so you know exactly what to expect.&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;1. Offer Accepted – But Nothing is Legally Binding Yet.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;You&#39;ve taken the first big step – your offer has been accepted. However, at this stage, nothing is legally binding. The agreement is still “subject to contract.”&lt;/p&gt;
&lt;p&gt;Behind the scenes:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;The seller appoints their solicitor or conveyancer.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;You need to instruct your own solicitor to represent you.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;The seller’s solicitor starts drafting the contract.&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;2. The Conveyancing Process Begins&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Conveyancing is the legal name for the process of transferring property ownership. It may sound complex, but your solicitor handles the legal side — your job is to stay informed.&lt;/p&gt;
&lt;p&gt;What this includes:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;Title checks: Ensuring the seller legally owns the property and can sell it.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Property searches: Covering local authority information, environmental risks, drainage, and more.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Legal enquiries: Your solicitor might raise questions based on documents or search results.&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;3. Mortgage &amp;amp; Valuation&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;If you&#39;re taking out a mortgage, your lender will:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;Carry out a valuation of the property.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Issue your formal mortgage offer, outlining all terms.&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Tip: It’s wise to commission an independent survey (e.g. HomeBuyer Report), especially for older or unusual properties.&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;4. Signing the Contract&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Once all legal checks are completed, the mortgage is approved, and everyone is happy with the terms, it’s time to sign the contract. A completion date is also agreed – this is the day you’ll officially take ownership and move in.&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;5. Exchange of Contracts&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;This is the key legal moment: your purchase becomes legally binding.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;Both solicitors exchange the signed contracts.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;You pay a deposit, usually 10% of the purchase price.&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;From this point, pulling out usually means losing your deposit or facing legal consequences.&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;6. Completion Day&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The big day arrives!&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;Your solicitor transfers the remaining funds to the seller’s solicitor.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Your solicitor pays the taxes, if applicable.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;They register the property in your name with HM Land Registry.&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;You receive the official Title Deeds and any final documents.&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;Once the payment is confirmed, you get the keys. The property is officially yours - Congratulations!&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;The legal side of buying a property can feel overwhelming, but with a good solicitor and a clear plan, it’s entirely manageable. Personally, I love guiding clients through this part of the journey, there&#39;s nothing better than seeing the happiness on our clients faces when everything becomes official. If you&#39;re getting ready to finalise your next purchase, I’m happy to help, don’t hesitate to get in touch – N&#237;dia&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;Contact Nidia: &lt;a href=&quot;mailto:legal@idealhomesportugal.com&quot;&gt;legal@idealhomesportugal.com&lt;/a&gt;&lt;/em&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;&lt;strong&gt;Spotlight Property:&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Brand-New 2-Bedroom Apartment | Lagos&lt;/strong&gt;&lt;/p&gt;
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&lt;p&gt;Price: €495,000 |&lt;span&gt;&#160;&lt;/span&gt;&lt;a rel=&quot;noopener&quot; href=&quot;https://click.mailchimp.com/track/click/30010842/www.idealhomesportugal.com?p=eyJzIjoiNUpHRjFzdktIWWRqNVBPNG1IQnU2cVRuN2FJIiwidiI6MiwicCI6IntcInVcIjozMDAxMDg0MixcInZcIjoyLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL3d3dy5pZGVhbGhvbWVzcG9ydHVnYWwuY29tXFxcL3Byb3BlcnR5XFxcL2FwYXJ0bWVudC1pbi1hbGdhcnZlLWlkaDMzNjE0LTk0NTg2XFxcLzk0NTg2XCIsXCJpZFwiOlwiNGJiYmUyOWI5YTE2NDk4MDljM2ZlYWM1MDJmNjA3MmVcIixcInVybF9pZHNcIjpbXCJiNjU3YWY1MDA3OGNiNGY5MTQ3OTI1Njg3ZDAzMzg4Zjk4ZmQxMTdjXCJdLFwibXNnX3RzXCI6MTc1MzA4OTE2OH0ifQ&quot; target=&quot;_blank&quot; data-saferedirecturl=&quot;https://www.google.com/url?q=https://click.mailchimp.com/track/click/30010842/www.idealhomesportugal.com?p%3DeyJzIjoiNUpHRjFzdktIWWRqNVBPNG1IQnU2cVRuN2FJIiwidiI6MiwicCI6IntcInVcIjozMDAxMDg0MixcInZcIjoyLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL3d3dy5pZGVhbGhvbWVzcG9ydHVnYWwuY29tXFxcL3Byb3BlcnR5XFxcL2FwYXJ0bWVudC1pbi1hbGdhcnZlLWlkaDMzNjE0LTk0NTg2XFxcLzk0NTg2XCIsXCJpZFwiOlwiNGJiYmUyOWI5YTE2NDk4MDljM2ZlYWM1MDJmNjA3MmVcIixcInVybF9pZHNcIjpbXCJiNjU3YWY1MDA3OGNiNGY5MTQ3OTI1Njg3ZDAzMzg4Zjk4ZmQxMTdjXCJdLFwibXNnX3RzXCI6MTc1MzA4OTE2OH0ifQ&amp;amp;source=gmail&amp;amp;ust=1753176038889000&amp;amp;usg=AOvVaw30jiYbokGG-SIVEQJT9s7I&quot;&gt;Ref. IDH33614&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Set in a prime location in the heart of Lagos, this beautifully finished, contemporary apartment is part of a high-spec private condominium built by the acclaimed AJ Viegas. Just a short stroll from beaches and the historic centre, this turnkey property offers a luxurious coastal lifestyle with excellent investment potential.&lt;/strong&gt;&lt;/p&gt;
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&lt;p&gt;&lt;strong&gt;Key Features:&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Interior:&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;Stylish open-plan living and dining area&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Fully fitted modern kitchen with top-tier appliances&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Underfloor heating and multi-split air conditioning throughout&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Energy-efficient hot water system with solar thermal panels&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Double-glazed windows and electric shutters&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Natural ventilation systems in kitchen and bathrooms&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;strong&gt;Bedrooms:&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;Master bedroom with built-in wardrobes and en-suite bathroom&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Second bedroom and an additional full bathroom&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Outdoor Living:&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;Expansive 29.30 m&#178; wraparound balcony – perfect for sunbathing or dining al fresco&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Access to a stunning communal rooftop swimming pool with panoramic sea views&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Private 17.60 m&#178; garage space located on level -1&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Additional Highlights:&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;p&gt;Total Build Size: 94.4 m&#178;&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Air conditioning (heating and cooling)&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Lift access and rooftop terrace&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Private parking included&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Garden areas and sea views&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Solar panels for water heating&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Located in a secure, private condominium&lt;/p&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;p&gt;Walking distance to beaches, shops, restaurants, and the Lagos fish market&lt;/p&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Location:&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Lagos is one of the Algarve’s most sought-after destinations, known for its charming old town, vibrant marina, and stunning beaches. This apartment places you within easy reach of it all, making it a fantastic choice for full-time living, a holiday getaway, or a high-performing rental investment.&lt;/p&gt;
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&lt;p&gt;&lt;em&gt;Hello! I’m delighted to be back, telling you more about Ideal Homes Portugal’s Aftersales service. Buying a property in Portugal is a moment to celebrate, but what happens after the contract is signed is just as important as the purchase itself. That’s where our dedicated Aftersales team steps in.&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;At Ideal Homes Portugal, we believe the post-purchase experience should be smooth, supportive, and stress-free. As Head of Aftersales, it’s my role to ensure every client receives the personal attention and practical assistance they need, from the moment the ink dries, right through to move-in day and beyond. Want to know more? Keep reading!&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;So, what happens AFTER the deeds are signed?&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;After your purchase, you&#39;ll be introduced to your dedicated Aftersales contact: your trusted advisor and support person throughout the rest of your journey. Their role is to handle the practical details that are often overlooked. These can include:&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;• Coordinating utility connections (electricity, gas, water)&lt;/p&gt;
&lt;p&gt;• Assisting with internet and TV setup&lt;/p&gt;
&lt;p&gt;• Arranging cleaning services ahead of handover&lt;/p&gt;
&lt;p&gt;• Managing key collection and property inspections&lt;/p&gt;
&lt;p&gt;• Providing support with local registrations and services&lt;/p&gt;
&lt;p&gt;• We’re here to simplify your life so that your transition into your new property feels effortless.&lt;/p&gt;
&lt;p&gt;• Furnishing &amp;amp; Interior Design&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Turning a house into a Home&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;This takes more than just a key. That’s why we connect clients with some of the best furniture suppliers and interior designers in the Algarve; professionals with years of experience creating comfortable, stylish, and functional spaces. Whether you&#39;re furnishing a holiday home, rental property, or full-time residence, we’ll help bring your vision to life.&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Airport transfers &amp;amp; local support&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;We know how important it is to feel welcomed when you arrive. We work with reliable, professional airport transfer services to ensure you and your family get to your new home safely and comfortably. Need other local services? From gardeners and pool maintenance to security systems and insurance providers, our team is always happy to make trusted referrals.&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Key Ready Service&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Our Key Ready Service is designed to ensure your home is completely ready for you. This includes:&lt;/p&gt;
&lt;p&gt;• A final walk-through and inspection&lt;/p&gt;
&lt;p&gt;• Utility and internet setup&lt;/p&gt;
&lt;p&gt;• Coordination with cleaners, handymen, and local trades&lt;/p&gt;
&lt;p&gt;• Ensuring keys are safely handed over or held securely on your behalf&lt;/p&gt;
&lt;p&gt;Wherever you are in the world, you’ll always have peace of mind knowing that everything is taken care of; whether you’re arriving tomorrow, next week or next season.&lt;/p&gt;
&lt;p&gt;&#160;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Alojamento Local (AL) Licence Support&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;If you&#39;re planning to rent your property, we can also help you get ready for an Alojamento Local (AL) licence. Our team assists with:&lt;/p&gt;
&lt;p&gt;• Ensuring safety compliance (fire blankets, smoke alarms, etc.)&lt;/p&gt;
&lt;p&gt;• Ordering and installing required equipment&lt;/p&gt;
&lt;p&gt;• Guiding you through the application process and inspection&lt;/p&gt;
&lt;p&gt;&lt;em&gt;We’re experienced in helping clients prepare their property for the short-term rental market and can answer any questions along the way. Aftersales is more than a service, it’s a relationship. Whether you need help preparing your new home, finding a local expert, or just want someone to talk through your next steps, we’re here. At Ideal Homes Portugal, we don’t just help you buy a home, we help you settle in, feel confident, and enjoy your investment.&#160; Please feel free to reach out if we can assist you in any way.&lt;/em&gt;&lt;span&gt;&#160;- Justine&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Contact Justine: &lt;a href=&quot;mailto:info@idealhomesportugal.com&quot;&gt;info@idealhomesportugal.com&lt;/a&gt;&lt;/p&gt;
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&lt;p&gt;Looking to maximise capital appreciation with early access to real estate opportunities? We’re launching&#160;MoneyMatters – FirstMovers Investment Club&#160;your exclusive gateway to off-plan developments and high-potential projects in the Algarve, Portugal, and beyond.&lt;/p&gt;
&lt;p class=&quot;mcePastedContent&quot;&gt;As a member, you’ll gain&#160;&lt;strong&gt;insider access&lt;/strong&gt;&#160;to our wide network of real estate developers, banking partners, mortgage and insurance providers, and more. You’ll also benefit from&#160;&lt;strong&gt;early updates&lt;/strong&gt;,&#160;&lt;strong&gt;priority access&lt;/strong&gt;, and&#160;&lt;strong&gt;exclusive insights&lt;/strong&gt;&#160;into high-potential real estate opportunities to stay ahead of the market and capitalise on the benefits of early-stage investment.&lt;/p&gt;
&lt;p class=&quot;mcePastedContent last-child&quot;&gt;We’re currently accepting registrations before launching the club as a paid membership, offering even greater benefits.&#160;&lt;strong&gt;Register Below&lt;/strong&gt;&#160;and be among the first to position yourself for success or contact us to learn more, and schedule a private consultation.&lt;/p&gt;
&lt;p class=&quot;mcePastedContent last-child&quot;&gt;&lt;a href=&quot;mailto:firstmovers@idealhomesportugal.com?subject=FirstMovers%20Club%20-%20Sign%20me%20up!%20&amp;amp;body=Hello%2C%20please%20sign%20me%20up%20for%20FirstMovers...&quot; data-anchor=&quot;?subject=FirstMovers%20Club%20-%20Sign%20me%20up!%20&amp;amp;body=Hello%2C%20please%20sign%20me%20up%20for%20FirstMovers...&quot;&gt;FIRST MOVERS CLUB - SIGN ME UP!&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;Stay tuned for expert interviews, global property trends, and success stories to guide your investments with confidence. Have questions, topic suggestions, or need help with your property search? &#160;Reach out anytime. Until next Monday!&lt;/p&gt;
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MoneyMatters: Finding the One & Getting to Signed, Sealed & Delivered

Welcome to Ideal Homes Portugal’s MoneyMatters Monday, your trusted weekly newsletter delivering fresh expert insights into international real estate inves