Efficient Solutions for
Real Estate Investors in Portugal
Quick facts
- Founded in 2020
- Experienced management of 20+ years in real estate
- 50+ HNW clients trust us with their real estate investments in Portugal
- Average ROI for Value-Add Investors ~30%
- Average turnover ~2 years
- Average yearly yield for Passive Income Investors 6-10 %
Our mission
Our company is dedicated to enhancing our clients’ wealth through investments in properties with high profit potential and low risk.
Investors working with us aim to preserve their capital while earning returns significantly above long-term inflation rates, through property appreciation and/or obtaining passive income.
Our team
Roca Estate was founded by Nick and Anna Bratyna. Since 2020, the team has grown and now consists of talented analysts, architects, builders, and marketing professionals who have joined the company to deliver outstanding results for our clients.
What type of investor are you?
Value-Add Investor
Interested in purchasing properties that have the potential for significant improvement and appreciation.
Actively engage in value-adding activities, such as renovations, upgrades, or other enhancements, with the objective of reselling the property within 1-2 years.
The aim is to achieve a substantial return on investment by capitalizing on the increased value after improvements are made.
Passive Income Investor
Focus on generating a steady and reliable stream of income through rental properties.
The primary goal is to earn regular (monthly) income from renting out their real estate investments.
Prioritize stability and long-term passive income over significant appreciation or quick gains.
Check out our services for Debt & Equity Investors and Real Estate Developers:
Get Funding for Your Real Estate Project
Access financing for your next development with fixed-rate loans or equity partnerships. We connect you with investors ready to fuel your vision!
Invest Through Fixed-Rate Loans or Equity Stakes
Maximize your returns by investing in vetted projects through fixed-rate loans or equity stakes. Secure consistent returns or share in project success.
Read the latest market analytics:
Portuguese Housing Loan Rates Hit New Lows: October 2024 Insights for Investors
As of October 2024, the Portuguese housing loan market continues to experience notable shifts, reflecting broader economic trends and influencing investor decisions. This monthly analysis delves into the latest data and its implications for real estate investors considering Portugal. Key Highlights from October 2024: Implications for Real Estate Investors This...
ECB Rate Cuts Drive Down Euribor: What This Means for Portugal’s Real Estate Investors
The recent drop in the Euribor rate to a two-year low of 2.5% signals a noteworthy shift in the European mortgage landscape and, by extension, the Portuguese real estate market. With the Euribor serving as a benchmark for the majority of European mortgages, including those in Portugal, this decline brings...
Portugal’s Tourism Sector Rebounds: Key Insights for Real Estate Investors in September 2024
According to recent data, the tourism accommodation sector in Portugal exhibited signs of recovery in September 2024. Following a three-month slowdown, the sector achieved growth in both total revenues and key indicators like Revenue Per Available Room (RevPAR) and the Average Daily Rate (ADR). This resurgence highlights Portugal’s appeal as...
Positive Trends in Portugal’s Construction Sector Highlight Strong Investment Potential
In September 2024, Portugal’s construction sector displayed a steady upward trajectory, marking encouraging trends for real estate investors. As per the recent Indices of Production, Employment, and Wages in Construction report, Portugal’s construction industry saw a notable 2.3% year-on-year increase in production, with associated indices for employment and wages also...
Rising Labor Costs Drive Up Construction Expenses in Portugal’s Housing Market: Key Insights for Real Estate Investors
The latest report on Portugal’s Construction Cost Index for New Housing (CCINH) offers significant insights for investors in the Portuguese real estate market. The September 2024 data reflects notable trends in labor and material costs, both crucial components influencing construction expenses. This article explores the implications of these cost dynamics,...
Portugal’s Rising Mortgage Rates and Shifting Loan Volumes: What Real Estate Investors Need to Know
The Portuguese real estate market, renowned for its attractive investment opportunities, is currently navigating a period shaped by key financial indicators. For investors, understanding these trends -ranging from interest rates and loan volumes to liquidity patterns – provides essential insights for making data-driven investment decisions. The following analysis leverages recent...
Portuguese Tourism Demand Declines in Q2 2024
As Portugal’s tourism industry continues to impact its economic and property landscape, quarterly statistics on resident travel offer insights crucial for real estate investors. The Q2 2024 tourism report indicates a shift in resident travel behavior, suggesting trends that could influence the real estate market, particularly in short-term rentals and...
Surging Property Values in Portugal: September 2024 Investor Insights
The recent report on bank appraisals in Portugal for September 2024 provides insightful data for investors evaluating opportunities in the property market. With a continued increase in property values across different housing segments, this report sheds light on the dynamics at play, emphasizing trends in prices, regional differences, and types...
Steady Growth and Regional Shifts: Key Insights for Investors in Portugal’s Q2 2024 Real Estate Market
Portugal’s real estate market in the second quarter of 2024 exhibits steady growth despite regional fluctuations. Based on official data, this analysis offers critical insights into trends relevant to potential investors considering the Portuguese property market. Key Findings Conclusion and Strategic Takeaways for Investors The Portuguese real estate market continues...
Decline in Housing Loan Interest Rates Signals Opportunities for Property Investors in Portugal
In Portugal, shifts in implicit interest rates offer valuable insights into the market’s direction and investor opportunities. The latest report on implicit interest rates for housing loans in September 2024 reveals trends that could shape strategic decisions for real estate investors. Key Findings from the Report Market Implications for Investors...
Record-Breaking August 2024: Portugal’s Tourism Boom Signals Strong Opportunities for Real Estate Investors
August 2024 proved to be a record-breaking month for Portugal’s tourism sector, with the latest data showing significant growth in accommodation revenues and visitor numbers. The robust performance of the tourism industry highlights the ongoing demand for accommodation, offering new perspectives for real estate investors interested in Portugal’s property market....
Steady Growth in Portuguese Construction Sector Signals Opportunities for Investors
Overview of August 2024 Construction Data Recent data from August 2024 reveals consistent growth in the Portuguese construction sector, signaling stability and potential opportunities for investors. According to the official figures, the construction production index increased by 2.3% year-on-year. This growth marks a 0.5 percentage point improvement from July, demonstrating...
Rising Construction Costs in Portugal: Labor Expenses Surge by 9.6% in August 2024
The real estate market in Portugal has been shaped by a number of key trends, and one significant factor is the rise in construction costs. According to the latest Construction Cost Index for New Housing report for August 2024, the cost of building new residential properties in Portugal has increased...
House Prices on the Rise Again Across Europe
In recent months, house prices across Europe have resumed their upward trajectory, following a period of stagnation and even declines in some markets. This trend presents new opportunities and challenges for real estate investors, particularly in Portugal, where property values have shown consistent resilience and growth. Renewed Momentum in European...
Portuguese Tourism Peaks in August 2024: Rising Opportunities for Real Estate Investment in Emerging Regions
The latest flash statistics for August 2024 reveal a robust performance in the Portuguese tourism sector. This period recorded a new monthly peak, with 3.8 million guests and 10.5 million overnight stays, showing a year-on-year growth of 5.9% for guests and 3.8% for overnight stays. Notably, this growth occurred despite...
Portugal’s Housing Market Remains Strong: 8.2% Increase in Appraisals in August 2024
The real estate market in Portugal continues to show a steady upward trend, with new data on bank appraisals reflecting significant changes in housing values. According to the August 2024 bank appraisal data, the median value of housing increased to €1,664 per square meter, marking a 1.6% rise from the...
Portugal’s Rental Market Surges in Q2 2024: Key Growth Areas
In the second quarter of 2024, Portugal’s rental market continued its upward trajectory, showcasing significant growth across various regions. The median house rental value of new lease agreements increased by 11.1% compared to the same period in 2023, standing at €8.08/m². This rise signals a robust demand for rental properties,...
Portuguese Real Estate Market Sees Strong Growth in Q2 2024, Driven by Rising Prices and Increased Transactions
The second quarter of 2024 showed a continued and robust growth in Portugal’s real estate market, highlighted by both an increase in house prices and the number of transactions. For real estate investors considering entering the Portuguese market, this report provides important metrics to guide investment decisions. 1. House Price...
Declining Interest Rates in Portuguese Housing Loans: Key Opportunities for Real Estate Investors
The Portuguese property market continues to be an attractive option for both domestic and international real estate investors. However, one of the key factors that affect profitability and long-term return on investment is the cost of financing, which is primarily influenced by interest rates on housing loans. Based on recent...
Portugal’s Tourism Growth Offers Prime Opportunities for Real Estate Investors
The Portuguese tourism sector has long been a significant driver of economic activity, and its performance is closely linked to the real estate market, particularly for investors looking at opportunities in hospitality and short-term rental accommodations. The latest data from July 2024 provides valuable insights for real estate investors considering...
Portugal’s Real Estate Market Rebounds in Q2 2024 with Surge in New Construction and Completed Projects
The Portuguese real estate market in the second quarter of 2024 presents a nuanced landscape, marked by modest growth in construction activity and a significant uptick in completed dwellings. For real estate investors eyeing opportunities in this market, understanding the trends and metrics from the latest data is essential for...
Rising Wages and Production in Portugal’s Construction Industry: A Real Estate Investor’s Outlook
The Portuguese construction industry has demonstrated resilience and growth in recent years, offering a compelling landscape for real estate investors. The latest data from July 2024 provides valuable insights into this sector, highlighting trends in production, employment, and wages that may influence investment decisions. Below is a detailed analysis of...
Rising Labor Costs Drive 3.6% Increase in Portuguese Housing Construction Expenses
The construction cost index for new residential buildings in Portugal as of July 2024 has increased by 3.6% year-over-year, reflecting stability from the previous month. A notable observation is the divergence between labor and material costs. While material prices decreased by 0.5%, labor costs surged by 9.1%. This trend indicates...
Portuguese Set Records in Savings Deposits
According to information from the Bank of Portugal, Portuguese citizens have deposited more money than at any time in the past 21 years. In July, the amount of new deposits reached €12.559 billion, double what it was in the same month last year. This is the highest level recorded since...
Government Measures Spur Youth Homeownership but Drive Up Prices in the Portuguese Real Estate Market
In recent months, the Portuguese government has implemented new policies aimed at facilitating homeownership for young people. These measures, introduced four months ago, include tax incentives and a government guarantee for 100% financing. The objective is to make purchasing a first home more accessible to younger demographics. Impact on Housing...
ECB’s Anticipated Interest Rate Cut: A Positive Outlook for Portuguese Mortgage Holders and Real Estate Investors
As of late August 2024, the European Central Bank (ECB) is anticipated to implement its first interest rate cut in several years, reducing the main refinancing rate by 25 basis points to 4.25%. This change marks a significant shift in monetary policy, aimed at countering the declining inflation rates across...
Portuguese Real Estate Market Continues Upward Trend with Eighth Consecutive Month of Price Growth
In August 2024, the Portuguese real estate market continued its upward trajectory, as indicated by the latest data from the Instituto Nacional de Estatística (INE). This report marks the eighth consecutive month of rising property valuations, with the average price per square meter increasing to €1,638, up from €1,632 in...
Portuguese Mortgage Rates Fall Below 4.5% for the First Time Since October, Creating a Favorable Environment for Investors
In July, the implicit interest rate on mortgage loans in Portugal decreased to 4.487%, marking the first time it has fallen below 4.5% since October of the previous year. For new contracts, the rate dropped to 3.713%, the lowest level recorded since April of last year. The decline in mortgage...
Steady Growth in Portuguese Construction Sector: June 2024 Sees a 2.5% Increase in Production
The latest report on the Portuguese construction sector reveals a 2.5% growth in the Index of Production in Construction for June 2024, reflecting a positive trend in the market. This growth, slightly higher than the previous month, indicates a stable and potentially lucrative environment for real estate investors. Additionally, the...
Rising Construction Costs Driven by Labor Surge: Implications for Real Estate Investors in Portugal
The latest Construction Cost Index for New Housing in Portugal, as of June 2024, indicates a year-on-year increase of 3.7% in construction costs. This rise is driven predominantly by a substantial 8.4% increase in labor costs, with material costs remaining relatively stable, showing only a marginal 0.1% increase. This trend...
Steady Growth in Portuguese Property Market: Median Bank Appraisals Reach €1,618 per Square Meter in June 2024
The recent report on bank appraisals in Portugal reveals a steady increase in property values, reaching a median value of €1,618 per square meter in June 2024. This figure marks a slight monthly increase of €8 (0.5%) and a year-on-year growth rate of 6.6%. Despite a 3.2% decrease in the...
Luxury Real Estate in Lisbon: Market Continues to Surge
All 15 apartments in a soon-to-be-rehabilitated building in Lisbon were sold within 48 hours, highlighting the city’s robust demand for luxury housing. Lisbon remains the city with the highest property prices in Portugal, with a nearly 4% increase in housing valuations over the past six months. This high demand is...
Decreasing Interest Rates: Opportunities and Challenges for Portuguese Property Investors
The Portuguese property market has shown significant developments in implicit interest rates for housing loans as of June 2024. The implicit interest rate for all housing loan agreements has decreased for the fifth consecutive month, reaching 4.513%, down from 4.556% in May. Notably, the interest rate for new contracts signed...
Real Estate Prices in Lisbon: Twice the National Average
According to data from the National Institute of Statistics (INE), the average cost per square meter of housing in Portugal reached €1,644 in the first quarter of this year. In Lisbon, the most expensive municipality in the country, housing prices have significantly increased and now exceed the national average by...
Government Delays Review of Land Use Law Aimed at Expanding Housing Plots Amidst Concerns Over Market Speculation
The Portuguese government has deferred the review of the land use law, which is intended to expand the availability of housing plots. Although the amendments were initially expected by July 12, the Ministry of Infrastructure and Housing has not set a new deadline. The ministry is progressing with these amendments...
Agricultural Lands: A New Target for Real Estate Investors
The agroforestry sector in Portugal is currently undergoing a significant transformation through a process termed “financial integration.” This sector is attracting considerable attention from investment funds, primarily due to its high yields. Real estate agencies are closely monitoring this trend as it presents new opportunities for investment. According to Araújo,...
Mixed Signals in the Portuguese Property Market: Rising Prices Amidst Declining Transactions and Permits
In 2023, the Portuguese construction and housing market presented a mixed picture of challenges and opportunities for real estate investors. The number of building permits decreased by 6.1% compared to the previous year, with 23,439 buildings licensed. Despite this decline, the number of dwellings licensed increased by 3.1%, indicating a...
Portuguese Property Market Q1 2024: House Prices Show Varied Growth Amid Slowdown in Major Municipalities
The first quarter of 2024 in the Portuguese property market reveals several key trends that are essential for potential real estate investors to consider. Median house prices in Portugal have seen an overall increase, with notable growth in several populous municipalities and regions. Despite a year-on-year growth rate of 5.0%,...
Moderate Growth in Portuguese Construction Sector Amid Slight Deceleration in May 2024
The latest report on the indices of Production, Employment, and Wages in Construction for May 2024 highlights moderate growth in the Portuguese construction sector. The Index of Production in Construction increased by 2.0% year-on-year, marking a slight deceleration from the 3.1% growth observed in April. Employment and wages in the...
Rising Construction Costs in Portugal: A Double-Edged Sword for Real Estate Investors
The construction cost index for new housing in Portugal has shown a consistent upward trend, rising by 3.4% year-on-year as of May 2024. This increase is primarily driven by a significant rise in labor costs, which surged by 8.5%, while the cost of materials slightly decreased by 0.3%. For real...
Portuguese Property Market Continues Upward Trend Amid Regional Disparities: May 2024 Bank Appraisal Report Highlights Investor Opportunities and Risks
The latest bank appraisals for May 2024 indicate continued growth in the Portuguese property market, with median values for both apartments and houses showing a steady increase. This is particularly evident in regions such as Greater Lisbon, where appraisal values have maintained a consistent upward trajectory. The data suggests that...
Market Shifts in Portuguese Real Estate: Growth in Lisbon and the North, decline in the Algarve
In the first quarter of 2024, the Portuguese property market demonstrated a mix of stability and regional variations in terms of both the volume and value of transactions. Key regions such as Greater Lisbon and the North saw modest increases in their relative market shares, indicating ongoing demand and potential...
Declining Interest Rates Enhance Investment Opportunities in Portuguese Housing Market Amid Rising Debt Obligations
In May 2024, the implicit interest rate for all housing loan agreements in Portugal decreased for the fourth consecutive month, reaching 4.556%. For contracts closed in the previous three months, the interest rate also saw a decline for the seventh consecutive month, now at 3.845%. Despite the reduction in interest...
Portuguese Property Market Sees Decline in New Construction Permits Amid Rising Completed Buildings in Q1 2024
In the first quarter of 2024, the Portuguese property market presented a complex picture for real estate investors. According to the latest data on building permits and completed buildings, there was a notable decline in the number of buildings licensed for construction. Specifically, the total number of licensed buildings fell...
Portuguese Construction Sector Shows Robust Growth in April 2024: Opportunities and Challenges for Real Estate Investors
In April 2024, the Portuguese construction sector exhibited noteworthy growth, reflecting positive trends that could significantly influence investment decisions in the property market. Key highlights from the report include: Conclusion for Real Estate Investors For real estate investors looking to enter or expand their presence in the Portuguese market, these...
Portuguese New Housing Construction Costs Rise by 3.4% Amidst Surge in Labor Expenses and Material Price Fluctuations in April 2024
The April 2024 report on the Index of Construction Costs for New Housing (ICCHN) in Portugal provides crucial insights into the cost dynamics affecting new residential developments. Overall Construction Costs: Material Costs: Labor Costs: For real estate investors considering the Portuguese property market, these trends present both challenges and opportunities:...
Portugal’s Commercial Property Market Sees Decade-High Growth Amidst Converging Price Trends with Residential Sector in 2023
In 2023, the Commercial Property Price Index (CPPI) in Portugal demonstrated significant resilience and growth, recording a 5.5% annual increase. This growth rate is the highest observed in the last decade and marks a notable improvement over the previous year’s 4.2% increase. However, it’s crucial to contextualize this within the...
Declining Interest Rates Create Promising Opportunities for Real Estate Investors in the Portuguese Market
Recent Trends in Implicit Interest Rates in Portuguese Housing Loans April 2024 marks a significant point for real estate investors considering the Portuguese property market. The implicit interest rates for housing loans have shown a consistent downward trend for three consecutive months, with the rate decreasing from 4.613% in March...
Portuguese Construction Sector Shows Resilience with 3% Growth in March 2024 Amid Market Challenges
The Portuguese construction sector exhibited a robust performance in March 2024, recording a year-on-year growth of 3.0% in production. Despite a slight deceleration from February’s figures, this consistent growth underscores the sector’s resilience and potential for sustained investment opportunities. Key Highlights: Conclusion for Real Estate Investors: For real estate investors...
Rising Labor Costs Drive Moderate Increase in Portuguese Housing Construction Expenses for March 2024
As we evaluate the latest Construction Cost Index for New Housing in Portugal for March 2024, it is essential to consider its implications for the real estate market. The report from Statistics Portugal highlights a 2.1% year-on-year increase in the construction costs for new residential buildings. This rise is primarily...
Property Market Exhibits Growth Amidst Cooling in Major Municipalities: Investment Insights for Q4 2023
The Portuguese property market, as indicated by the 4th quarter 2023 statistics, continues to exhibit considerable growth in house prices, particularly in high-demand areas such as Grande Lisboa, Algarve, and Área Metropolitana do Porto. Despite a slowdown in some municipalities, the year-on-year growth rate of 7.9% and the enduring premium...
Turning Point Reached: Portuguese Housing Loan Rates Set for Further Decline
The recent data on implicit interest rates in housing loans reveals a trend that could influence real estate investment decisions in Portugal. For March 2024, the implicit interest rate for all housing loan agreements saw a decline to 4.613%, continuing a downward trend from the previous month. More specifically, for...
Tourism Sector Shows Strong Growth in Early 2024
Based on the tourism activity data for February 2024, the Portuguese property market, particularly in the tourist accommodation sector, exhibits robust growth and resilience, making it an attractive prospect for real estate investors. The sector witnessed a significant increase in guests (+7.0%) and overnight stays (+6.4%) compared to the previous...
Portuguese Construction Sector Shows Growth but Faces Emerging Challenges in February 2024
For real estate investors evaluating opportunities within the Portuguese market, the recent February 2024 data on “Indices of Production, Employment, and Wages in Construction” provides valuable economic indicators. The Index of Production in Construction showed a year-on-year increase of 4.7%, a modest deceleration from the previous month, yet indicative of...
Latest on the Construction Cost Index for New Housing: Prices Are Rising Due to Labor Costs
The latest data from the Construction Cost Index for New Housing (CCINH) indicates a continued upward trend in construction costs in Portugal as of February 2024. Notably, there has been a year-on-year increase of 2.2% in these costs, slightly higher than the previous month’s figures. This increment is primarily driven...
Price Growth Continues Amid Declining Transaction Volumes
The latest data shows that in 2023, the Portuguese real estate market demonstrated resilience with a continued increase in house prices, although the volume of transactions showed a significant decline. The House Price Index (HPI) observed an annual growth of 8.2%, albeit at a slower pace compared to the previous...