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    Super Cheap

    • Chitré, Panama
    • Santa Marta, Colombia
    • Phuket, Thailand
    • Dumaguete, The Philippines

    Cheap

    • Medellin, Colombia
    • Boquete, Panama
    • Kyrenia, Cyprus
    • Hua Hin, Thailand
    • The Algarve, Portugal

    Affordable

    • Valencia, Spain
    • Cascais, Portugal
    • Las Terrenas, The DR
    • Pisa, Italy
    • La Rochelle, France
    • Mazatlán, Mexico

    Luxury

    • Ambergris Caye, Belize
    • Kotor, Montenegro
    • The Panama City Beaches
    • Paris, France
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  • Home
  • Countries

    Top Destinations:

    Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

    • Spain
    • Portugal
    • Panama
    • Belize
    • Colombia
    • Cyprus
    • Mexico
    • France
    • Montenegro
    • Browse All Countries

    Best For:

    • The Best Places To Retire
    • Health Care Abroad
    • Cost Of Living
    • Investing in Real Estate
    • Establishing Residency
    • Gun Laws In The World
    • English-Speaking Countries
    • Safest Places For Retirement
    • Best Places In Latin America
  • Budgets

    How Much Will It Cost You To Live Overseas?

    The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

    Super Cheap

    • Chitré, Panama
    • Santa Marta, Colombia
    • Phuket, Thailand
    • Dumaguete, The Philippines

    Cheap

    • Medellin, Colombia
    • Boquete, Panama
    • Kyrenia, Cyprus
    • Hua Hin, Thailand
    • The Algarve, Portugal

    Affordable

    • Valencia, Spain
    • Cascais, Portugal
    • Las Terrenas, The DR
    • Pisa, Italy
    • La Rochelle, France
    • Mazatlán, Mexico

    Luxury

    • Ambergris Caye, Belize
    • Kotor, Montenegro
    • The Panama City Beaches
    • Paris, France
  • Resources

    Global Living

    • Living & Retiring Overseas
    • Raising A Family Abroad
    • Foreign Residency & Citizenship
    • Offshore & Diversification

    Making Money

    • International Real Estate
    • Banking
    • Employment
    • Investing

    Follow Us:

    • Meet Our Experts
  • Real Estate

    Buying Real Estate For Cashflow

    • Discover tips and strategies used by global property investing veterans

    Explore Our Latest Posts

    • Learn how to invest and purchase property abroad…

    Go To The Overseas Property Alert Site

    • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
  • Conferences

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    • Explore Our Events Site

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

    Learn More About This Event
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    PRE-REGISTER
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    PRE-REGISTER
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    Toll-Free U.S. and Canada:
    1 (888) 627 8834
    From Outside North America:
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    Reach us with your questions by email at: events@liveandinvestoverseas.com

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Home Investing

Financing Overseas Real Estate

by Sophia Titley
Jun 06, 2024
in Investing
0 0
The traditional quaint houses in pink Portugal style and vintage

AdobeStock/mcvsn

Wanting a vacation house or investment property in another country is one thing. Being able to afford it is another.

The good news is that in desirable locations around the world—sun-kissed Mediterranean islands and colorful Spanish-colonial cities—the cost of property is a fraction of what you might expect.

That said, cash purchases are the norm in most overseas property markets, and it can be difficult to arrange local financing as a foreigner.

It’s worthwhile to figure out how much capital you have available and what kind of financing or purchase terms you may be able to access.

You have options for leveraging whatever capital you have to invest with, if you know where to look…

This is a major focus of our International Property Summit, which kicks off on Wednesday, June 12.

This event connects attendees with Lief Simon’s global network of property insiders and presents them with a menu of exclusive investment opportunities from around the world.

The 2024 event features two dozen deals… many of which are extremely affordable (including beachside properties for less than $100,000).

But just because they’re inexpensive doesn’t mean you shouldn’t use leverage to your advantage where possible…

This idea—spending as little as possible to gain the cash flow to pay for a bigger investment down the line—is a core principle behind the IPS opportunities.

Meantime, here’s an overview of your options for leveraging your investment capital overseas…

Financing Overseas

Borrowing to buy property overseas works completely differently than it does in the States.

The first thing you should know is that 30-year mortgage terms aren’t common outside the States. Instead, expect 20- to 25-year terms as well as variable-rate financing.

Fixed-rate mortgages with the rate fixed for the entire term of the loan are also uncommon outside of the States.

To be able to borrow to buy property, you’ll likely be required to take out a local life insurance policy, naming the lending bank as the primary beneficiary if you die before the mortgage is paid off. Don’t forget to factor this cost in when calculating your return on investment.

The age cap is 70 to 75 years old for most life insurance companies around the world. If you’re older than 50 when you apply for financing, this will restrict your mortgage term. A 65-year-old, for instance, can qualify for a 10-year loan at best.

When it comes time to shop for property, try to get pre-approved for financing. This will give you a clearer view of your purchase budget as well as mortgage and life insurance costs.

It can be difficult to arrange local financing as a foreigner overseas… but it’s not impossible. We know of opportunities in  Portugal, Panama, and other key markets that will feature at our  International Property Summit.

This year’s lineup of opportunities includes turn-key rental properties that boast above-average net ROIs. By investing in rental property and renting it out to short- or long-term visitors, you can establish an income stream that can offset or even exceed your financing costs.

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Financing With A Developer

Another option for financing overseas is with a property developer.

Many developers, especially those who sell to the foreign market, offer payment programs—preconstruction purchase terms, payment plans, and straight-up financing.

This can be a win-win: you get the financing you want or need to buy the property, and the developer gets the cash flow he needs to cover construction costs.

Both parties are protected—you by the purchase contract, and the developer by the fact that he owns the property until full payment is received.

If you buy preconstruction, you’re usually buying a unit in a planned building and making payments according to a plan that’s tied to construction milestones. Payments can be so low in some cases that you can make them on your credit card.

Payment plans usually span 12 to 36 months. When the property is complete, you owe the final amount, which can be 10% to 50%.

Developer financing opportunities and preconstruction deals are also on the cards at IPS. The offers are exclusive to attendees, but here’s an example to illustrate my point…

On a certain Mediterranean island, you can buy a ready-to-move-in unit in a five-star resort by the beach for about $140,000.

The resort is stacked with amenities—11 indoor and outdoor pools, restaurants, cafés, kids play areas, plus a gym, tennis court, spa, wellness center, restaurants, cafés, bakery, wine bar, and more.

It’s located in a place with year-round sunshine near one of the best beaches in the areas… meaning you (or your renters) can take advantage of well-appointed coastal living year-round. An experienced team is on-site for completely turn-key rental and property management.

Developer financing is available with 50% down and the rest paid in installments for 24 months at 0% interest. This is true pocket-money beach property.

To smooth travels and successful property buys,

Sophia Titley signature

Sophia Titley

Editor, Overseas Property Alert

Tags: 'Expats Overseas''real estate markets'bank financing overseasInternational Property SummitOverseas Real Estate
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Sophia Titley

Sophia Titley

For Sophia Titley, home is a subjective concept. She was born in Singapore but grew up in Indonesia and Saudi Arabia… and has since lived in Canada, Spain, Colombia, and, most recently, Panama. She studied political science and Spanish at the University of British Columbia, and in her free time enjoys trying new recipes, playing soccer, and salsa dancing.

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HOME

Top Countries

  • Spain
  • Portugal
  • Panama
  • Belize
  • Colombia
  • Cyprus
  • Mexico
  • France
  • Montenegro

Best For:

  • Health Care Abroad
  • Retirement Living
  • Cost Of Living
  • Investing in Real Estate
  • Establishing Residency
  • Gun Ownership
  • English Speakers
  • Safety
BROWSE ALL COUNTRIES

Budgets

How Much Will It Cost
To Live Overseas?

Super Cheap

  • Chitré, Panama
  • Santa Marta, Colombia
  • Phuket, Thailand
  • Dumaguete, The Philippines

Cheap

  • Medellin, Colombia
  • Boquete, Panama
  • Kyrenia, Cyprus
  • Hua Hin, Thailand
  • The Algarve, Portugal

Affordable

  • Valencia, Spain
  • Cascais, Portugal
  • Las Terrenas, The DR
  • Pisa, Italy
  • La Rochelle, France
  • Mazatlán, Mexico

Luxury

  • Ambergris Caye, Belize
  • Kotor, Montenegro
  • The Panama City Beaches
  • Paris, France

Resources

Global Living

  • Living & Retiring Overseas
  • Raising A Family Abroad
  • Foreign Residency & Citizenship
  • Offshore & Diversification

Making Money

  • International Real Estate
  • Banking
  • Employment
  • Investing
Meet Our Experts

Real Estate

Overseas Property Alert 

 

How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams

VISIT SITE

Buying Real Estate For Cashflow

 

Discover tips and strategies used by global property investing veterans

READ MORE

Explore Our Latest Posts

 

Learn how to invest and purchase property abroad…

EXPLORE

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Live and Invest In Spain Conference

VALENCIA, SPAIN Sep. 17-19, 2025
Learn More About This Event

Offshore Wealth Summit

PANAMA CITY, PANAMA Oct. 15-17, 2025
Learn More About This Event
PRE-REGISTER

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VIRTUAL Nov. 13, 2025
Learn More About This Event
PRE-REGISTER
MORE EVENTS

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From Outside North America:
1 (443) 599 1221

Working Hours
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Reach us with your questions by email at: events@liveandinvestoverseas.com

Store

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