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Belize – Property Financing

Mortgages for Foreign Nationals in Belize

In Belize, obtaining a mortgage as a foreign national can be challenging, as many local banks do not offer mortgages to non-citizens. However, there are some financial institutions that provide mortgage options for foreign buyers.

Local Lenders Providing Mortgages

The Belize Bank, Atlantic Bank, and Heritage Bank are some of the local lenders that offer mortgage options for foreign nationals in Belize. These financial institutions have specialized mortgage departments that can assist buyers with the application process and provide guidance on the necessary requirements.

It’s important to note that obtaining a mortgage in Belize as a foreign national typically requires a higher down payment, higher interest rates, and stricter loan requirements. It’s advisable to compare different lenders and their rates to find the best option for your specific needs.

Deposit Requirements


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Typically, the deposit required when purchasing a property in Belize is at least 25% of the property’s purchase price. The amount of deposit required may vary depending on the lender and the specific property being purchased. It’s important to work with a reputable real estate agent and/or lender to determine the exact amount of deposit required.

Responsibility for Outstanding Debts

When purchasing a property in Belize, the new property owner is not responsible for any outstanding debts on the property, unless these debts are specifically outlined in the purchase contract. It’s advisable to conduct a thorough search of any liens or debts attached to the property before completing the purchase to ensure a smooth transaction.

In conclusion, obtaining a mortgage in Belize as a foreign national can be challenging, but there are local lenders that provide options for foreign buyers. It’s important to compare different lenders, understand the deposit requirements, and conduct a thorough search of any outstanding debts on the property before completing the purchase.


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