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Mortgage Financing for Canadians in Mexico

Own your dream property in Mexico with financing designed for Canadians. From beachfront condos to retirement homes, we help you navigate the unique requirements of Mexican real estate.

Why Choose Us

Mexico Property Financing for Canadians

Owning property in Mexico as a Canadian is achievable with the right financing partner. We navigate the unique requirements including fideicomiso trusts and USD-denominated loans.

  • № 01

    Popular Destinations

    Financing for properties in Puerto Vallarta, Cabo San Lucas, Cancun, Riviera Maya, San Miguel de Allende, and other popular Canadian destinations.

  • № 02

    Fideicomiso Expertise

    We understand the bank trust (fideicomiso) required for foreigners to own property in Mexico's restricted zone within 50km of the coast.

  • № 03

    Condo & Home Financing

    Finance beachfront condos, colonial homes, retirement properties, and vacation rentals throughout Mexico with cross-border lending solutions.

  • № 04

    USD-Based Loans

    Most Mexico mortgages for foreigners are denominated in U.S. dollars, protecting you from peso fluctuations and simplifying cross-border payments.

  • № 05

    Title Insurance & Closings

    Work with experienced notarios and title companies who understand international transactions. We ensure your purchase is properly structured.

  • № 06

    Cross-Border Guidance

    From currency exchange to property management, we connect you with trusted partners who specialize in Canadian buyers in Mexico.

Ready to own property in Mexico?
Financing Options

Mexico Mortgage Solutions for Canadians

From vacation condos to retirement homes, we provide financing solutions for Canadians buying property throughout Mexico.

Vacation Home

Own your dream vacation property in Mexico's most desirable destinations. From Cabo to Cancun, we finance beachfront condos and vacation homes for Canadians.

  • Beachfront and ocean-view properties
  • Condo and single-family homes
  • USD-denominated loans
  • Fideicomiso trust guidance
  • Popular resort destinations
Explore Vacation Home Options

Retirement Home

Join thousands of Canadian retirees living in Mexico. Finance your retirement home in San Miguel de Allende, Lake Chapala, Puerto Vallarta, or other expat-friendly communities.

  • Expat community locations
  • Colonial and modern homes
  • Qualify with retirement income
  • Long-term financing options
  • Residency guidance connections
Explore Retirement Home Financing

Investment Property

Invest in Mexico's growing vacation rental market. Finance condos and homes in high-demand tourist areas with strong rental income potential.

  • Vacation rental financing
  • Rental income consideration
  • High-tourism locations
  • Property management referrals
  • Strong appreciation potential
Explore Mexico Investment Options

New Construction

Finance pre-construction condos or build your custom home in Mexico. We work with developers and builders who understand international buyer requirements.

  • Pre-construction deposits
  • Construction financing
  • Developer partnerships
  • Progress payment structures
  • Completion guarantees
Explore Pre-Construction Options

Refinance

Already own property in Mexico? Refinance to access equity, lower your rate, or convert from developer financing to a traditional mortgage.

  • Cash-out refinancing
  • Rate reduction options
  • Developer loan payoff
  • Equity access
  • Debt consolidation
Explore Mexico Refinance Options
Ready to Finance in Mexico?

“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”

River Schauber

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“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”

Camille Jordaan

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“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”

Kelly RCO

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“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”

val almeida

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“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”

Brandon

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“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”

Rose Laflamme

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“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”

Margaret Z

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“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”

Savanna Campbell

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FAQ Q & A

Questions About Mexico Mortgage Solutions for Canadians

Everything you need to know about mexico mortgage solutions for canadians.

Loan Process & Ownership (Continued)

Financing for pre-construction is different. Usually, you pay the developer in installments until the building is completed. Once the property is finished and the title (escritura) is ready, you can then apply for a mortgage to pay off the remaining balance.
Yes. Closing costs in Mexico are typically higher than in Canada, ranging from 5% to 8% of the purchase price. This includes the acquisition tax, notary fees, Fideicomiso setup fees, and appraisal costs.

Mexico Mortgage Basics

Yes! While the process is different from Canada, we specialize in helping Canadians secure financing for properties in Mexico. This is typically done through specialized international lenders or Mexican banks that have programs specifically for North Americans.
For international lenders, the down payment is usually 30-40%. Some Mexican banks may offer financing with 20-30% down for permanent residents, but most of our vacation home clients should expect to put at least 30% down.

Strategy & Rental Income

Most international lenders will NOT use projected rental income to qualify you for the loan; they qualify you based on your current Canadian income. However, the cash flow you earn can be used to pay down the mortgage once the loan is established.
Yes, provided you follow the legal process. Using a reputable mortgage broker, a licensed notary, and title insurance protects your investment. Thousands of Canadians successfully own property in Mexico using these standard legal protections.

Mexico Mortgage Basics (Continued)

A Fideicomiso is a Mexican bank trust. Since the Mexican constitution prohibits non-residents from owning land within "The Restricted Zone" (50km from the coast and 100km from the border), you own the property through a trust where the bank is the trustee and you are the beneficiary. It provides all the rights of ownership, including the right to sell or inherit the property.
Yes, typically. Interest rates for international mortgages in Mexico are usually 2% to 4% higher than what you would find in Canada. However, many investors find that the lower property prices and strong rental income potential more than offset the higher interest costs.

Loan Process & Ownership

No. You can qualify for a mortgage in Mexico as a non-resident. Lenders will look at your Canadian or U.S. credit score, income, and assets to determine your eligibility.

Loan Process & Ownership (Continued)

The process in Mexico is slower than in Canada. Expect it to take 60 to 90 days from application to closing. This allows for the Fideicomiso to be established, title searches to be performed, and international documents to be processed.

Ready to Finance in Mexico?

Book a call with the Mexico desk to pre-qualify the deal.

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