Greece has long been a dream destination for Irish property buyers — from whitewashed villas on the islands to apartments in Athens. The combination of affordable prices, Mediterranean climate, and EU membership makes Greece particularly attractive. Understanding the notarial requirements before you begin will save time and avoid complications.
Can Irish Citizens Buy Property in Greece?
Yes. As EU citizens, Irish nationals can buy property in Greece without restrictions in most areas. Some border regions and certain islands near Turkey have restrictions for non-Greek EU citizens that require additional approvals, but these are becoming less common. Greece is a member of the Hague Apostille Convention, which simplifies the document authentication process.
Power of Attorney
A power of attorney authorising your Greek lawyer to act on your behalf is the key document for most Irish buyers. This allows your lawyer to handle the purchase process without you needing to be present for every step. Greek notaries (symvolaiografos) have specific requirements for powers of attorney, and your Greek lawyer should draft the document.
The power of attorney is notarised by Hugh Phelan in Cork, apostilled by the DFA, and then your Greek lawyer arranges a sworn Greek translation (if needed) before use.
AFM Tax Number
An AFM (Arithmós Forologikoú Mitroou) is Greece’s tax identification number. You need one before you can buy property, open a bank account, or enter into any significant financial transaction in Greece. Your Greek lawyer can apply for an AFM on your behalf using the power of attorney, along with a notarised copy of your passport.
The Purchase Process
The Greek property purchase process involves several key steps:
- Due diligence: Your lawyer checks the property’s legal status at the Land Registry (Ktimatologio) or Mortgage Registry (Ypothikofilakio), verifying ownership, checking for debts or encumbrances, and confirming planning permissions.
- Pre-contract: A preliminary agreement may be signed, with a deposit paid.
- Contract signing: The final purchase contract (symvolaio) is executed before the Greek notary. Both parties (or their authorised representatives) sign, and the notary registers the transfer.
- Registration: The sale is registered at the Land Registry to transfer title.
Costs and Taxes
- Transfer tax: 3.09% of the assessed property value for resale properties.
- Notary fees: Approximately 1–1.5% of the contract value.
- Legal fees: Typically 1–2% of the purchase price.
- Land Registry fees: Approximately 0.5% of the contract value.
- Annual property tax (ENFIA): Based on property size, location, and value.
Greece Golden Visa
Greece offers a Golden Visa programme for non-EU nationals, but as Irish citizens are EU nationals, the Golden Visa is not applicable. Irish citizens have the right to reside in Greece as EU citizens. However, if you are purchasing property above certain thresholds, your Greek lawyer should advise on any reporting requirements.
How to Get Started
Contact Hugh Phelan’s office in Cork:
- Call (021) 489 7134 or email info@phelansolicitors.com
- Share the draft power of attorney from your Greek lawyer
- Bring your passport and valid photo ID
Hugh Phelan is a Solicitor and Notary Public practising from East Douglas Street, Douglas, Cork. He holds a BCL from UCC, a Diploma in Notarial Law and Practice, and is dual-qualified as a solicitor in both Ireland and England & Wales. Appointed as a Notary Public by the Chief Justice of Ireland and commissioned for life.
Frequently Asked Questions
Can Irish citizens buy property anywhere in Greece?
Generally yes. As EU citizens, Irish nationals can buy most property types in Greece. Some border regions and islands near Turkey have restrictions that may require additional military approvals, but these are becoming less common.
Do I need a Greek bank account?
Yes. A Greek bank account is needed for the property purchase and for ongoing expenses. Your lawyer can open one on your behalf using the power of attorney and your AFM tax number.
How much is property transfer tax in Greece?
Transfer tax is 3.09% of the assessed property value for resale properties. For new-build properties purchased from a developer, VAT at 24% may apply instead of transfer tax.
Is Greece in the Hague Apostille Convention?
Yes. Greece is a member. Your documents are notarised in Cork, apostilled by the DFA, and then accepted by Greek authorities without embassy legalisation.
Need Documents Notarised for Greece?
Contact Hugh Phelan, Solicitor & Notary Public in Cork, for prompt professional service.
Looking for a Notary Public in Cork?
Hugh Phelan is a Solicitor & Notary Public appointed by the Chief Justice of Ireland. Same-day appointments available.
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