D7 visa: the passive-income route
The D7 is the longest-established Portuguese residency route for non-EU citizens with stable passive income. It suits retirees living on UK pensions, FIRE applicants drawing from investment portfolios, and anyone with substantial rental, dividend or royalty income. The minimum income threshold in 2026 is €820 per month (€9,840 per year), with proportional uplifts for dependants.
The route requires proof that the income is stable and not earned from work inside Portugal. UK State Pension, private pension drawdowns, UK rental income, and dividends from UK-listed companies all qualify. Income from continuing remote work for a UK employer technically qualifies under the D7 in some consulates and not others — the D8 is the cleaner route for that case.
Application is filed at the Portuguese Consulate in London with income proof, NIF, accommodation evidence in Portugal, apostilled UK documents, Portuguese health insurance, and a clean criminal record check. Timeline is typically 4 to 6 months. Once granted, the initial residence permit is 2 years, renewable for 3, with citizenship eligibility at year 5 after an A2 Portuguese language test.