Mexico Living · Financing
You do not need a Mexican bank account or Mexican credit to buy here. From all-cash purchases to interest-free developer plans, here are the routes foreign buyers actually use.
The most common route for foreign buyers and the strongest negotiating position. Funds are transferred through the notary and escrow — never directly to a seller. Cash buyers often secure meaningful discounts, especially on off-market and pre-construction units.
On pre-construction condos and developments, most builders offer interest-free installments across the construction timeline — a down payment (often 20–30%) followed by monthly or milestone payments until delivery. This is the easiest form of "financing" for international buyers.
Many buyers release equity from a property back home, use a home-equity line, or a portfolio loan, then purchase in Mexico as a cash buyer. This is frequently cheaper and faster than a Mexican mortgage.
A handful of Mexican banks and specialist cross-border lenders offer USD or MXN mortgages to non-residents, typically 50–65% loan-to-value with higher rates than the US or Canada. Viable, but the paperwork is heavier — we can refer you to lenders who do this routinely.
Note: Mexico Living is a real estate brokerage, not a lender or financial advisor. We do not issue loans or give financial advice — we connect you with independent, vetted lenders and walk you through the numbers so you can decide with clarity.