With more and more Canadians eyeing international real estate as a path to vacation home ownership, rental income, or long-term investment, one big hurdle remains: financing. While buying abroad is increasingly popular, the process isn’t always straightforward — especially when it comes to securing funds from within Canada.
At Seaport Credit Canada, we’ve helped many Canadian investors finance properties internationally — and along the way, we’ve identified the three most common challenges they face. More importantly, we’ve built solutions to overcome them.
1. Limited Access to International Real Estate Financing
The Challenge:
Most Canadian banks and traditional lenders won’t provide loans for properties outside of Canada — especially if the real estate is in countries like Mexico, Costa Rica, or the Dominican Republic. This can leave buyers feeling stuck unless they can pay entirely in cash.
The Solution:
That’s where Seaport Credit Canada steps in. We offer our clients innovative financing with no upfront costs & without dipping into personal savings or disrupting their investment strategies.
2. High Upfront Costs and Cash Requirements
The Challenge:
International real estate purchases often come with hefty upfront payments — deposits, legal fees, and transfer costs. For many Canadians, having to provide this capital out-of-pocket can delay or derail their investment plans.
The Solution:
Our financing model eliminates the need for large out-of-pocket expenses. All associated fees — including processing and lender fees — are rolled into the loan itself, giving clients full transparency and predictability. That means your retirement fund does the heavy lifting, while you stay liquid and stress-free.
3. Legal Complexity and Cross-Border Confusion
The Challenge:
Each country has its own rules when it comes to foreigners purchasing property — particularly in popular destinations like Mexico, where the Restricted Zone (within 50 km of the coast or 100 km of a border) requires a trust or corporation structure. Without guidance, Canadians can feel overwhelmed.
The Solution:
We help clients navigate these complexities with trusted legal and lending partners in key markets. Whether you’re buying a condo in Tulum or land in Cabo, we’ll walk you through the options: setting up a bank trust (fideicomiso) or purchasing via a Mexican corporation — both fully compliant with Mexico’s Foreign Investment Law.
Final Thoughts
Financing international real estate doesn’t need to be intimidating — not when you have the right structure and support. At Seaport Credit Canada, our mission is to empower Canadian investors to seize global opportunities through accessible, smart, and compliant real estate financing solutions.
Interested in learning more? Contact us to see if you qualify for our RRSP-backed loan — and let us help you turn your international property dream into reality. www.Seaportcredit.com