Before you send the balance, check the final package.
The deed appointment is booked. The seller has sent bank details. Your bank may be preparing mortgage funds. Everyone says the transaction is almost finished. This is exactly when the buyer should stop and check the deed, registry, seller mortgage, final balance, payment recipients, tax documents, registration plan and key handover. A Portuguese lawyer checks the final document, registry, seller mortgage, taxes, payment flow and registration plan before you sign.
- Completion Review Memo
Why this matters
Signing the CPCV did not finish the legal work. Between CPCV and final deed, important things can change: a new registry request, unresolved seller mortgage, bank mechanics, deed wording, payment instructions, POA acceptance, missing documents or unfinished repairs.
The final appointment being scheduled does not mean the file is ready.
What we answer
The review answers eight questions
- 01
Does the final deed match the deal?
We compare the final deed or DPA draft with the agreed transaction: parties, property, unit, parking/storage, price, payment method, mortgage references, burdens, POA references and completion conditions.
- 02
Is the property registry still clear?
We check current registry information: seller owner status, new burdens, pending requests, property description, deed consistency and seller mortgage.
- 03
Is the seller entitled to sign?
We check the available documents showing who will sign for the seller: personal seller, co-owners, company representative, attorney, estate or spouse participation.
- 04
How will the seller’s mortgage be removed?
We check creditor bank, outstanding amount, payment to bank, cancellation declaration, timing and who confirms the charge has been removed.
- 05
Is the final payment correct?
We check purchase price, deposit already paid, later payments, outstanding balance, bank contribution, buyer own funds, payment to seller bank, payment to seller and retention.
- 06
Who receives the money?
We review recipient name, IBAN, account holder, relationship to seller, split payment, timing, payment proof and receipt wording.
- 07
Are the taxes and deed-stage documents ready?
We check available IMT, Stamp Duty, Energy Certificate, CPCV, registry, mortgage-cancellation, preference-right evidence, IDs, POA and condominium declaration where applicable.
- 08
Who registers the purchase after signing?
We check whether registration is included in Casa Pronta, submitted by lawyer/notary/conservatory, whether DPA deposit is needed, whether buyer mortgage is registered and who checks updated registry afterward.
What we review
- final deed or DPA draft
- updated Certidão Permanente Predial
- CPCV and amendments
- seller-mortgage documents
- buyer-mortgage documents
- payment instructions
- tax evidence
- power of attorney
- public preference evidence where relevant
- handover documents, repair agreements and retention terms
What you receive
You receive a written Completion Review Memo with:
- first-page conclusion
- final deed comments
- registry summary
- payment map
- missing-document list
- completion-day checklist
- post-completion checklist
The conclusion will say whether the package is ready, should proceed only after listed items are resolved, or whether the final balance should not yet be transferred.
How it works
From completion package to a safe transfer
- 01Send the completion package: deed/DPA draft, CPCV, registry code, payment instructions, mortgage documents, tax evidence, POA, handover agreements and completion date.
- 02We confirm the scope.
- 03A Portuguese lawyer reviews the final package.
- 04You receive the memo.
- 05You resolve open items, request corrections, confirm IBAN, ask for documents, delay payment, request a new draft or move to broader representation.
Price and scope
Final Deed & Completion Review — from €500
Included
- one property
- one final deed or DPA draft
- one CPCV and standard amendments
- updated registry review
- available seller-mortgage cancellation documents
- available tax-payment evidence
- payment-instruction review
- written memo
- completion-day checklist
- post-completion registration checklist
Not included by default
- full pre-CPCV due diligence
- CPCV Review
- negotiation
- complex tax calculation
- mortgage brokerage
- technical inspection
- attending the final deed
- making or receiving payments
- acting under POA
- obtaining missing documents
- submitting registration
- checking registration after completion
- unlimited revisions
- full buyer representation
Expanded scope applies for buyer mortgage financing, seller mortgage with split payment, several parties, company seller, several POAs, several properties, complex retention, unresolved repairs, off-plan completion, extensive addenda, public preference issues, several rounds of amendments or urgent same-day work.
When another service is better
- Use Full Buyer Representation for broader closing coordination.
- Use Lawyer Negotiation After Review for disputed completion points.
- Use Technical Property Inspection for physical condition before payment.
- Use Power of Attorney Review if a representative will sign.
- Use Condominium Documents Review for final condominium costs and declarations.
The final transfer is usually the largest payment in the purchase. Do not make it on the basis of an old registry extract, an unreviewed deed and an IBAN sent at the last minute.
Final Deed & Completion Review — from €500.