Yes, you can.

Buying property in Mexico as a foreigner is completely legal and increasingly common.

Thousands of international buyers successfully purchase homes in Mexico every year, whether for investment, vacation, or retirement.

Here’s what you should know:

• Foreign buyers are welcome to purchase real estate throughout Mexico.

• Ownership is protected by law, and there are well-established legal mechanisms for foreign buyers.

• The process varies slightly depending on where the property is located. Properties near the coast or borders require a special structure called a fideicomiso (bank trust), while properties outside these areas can be purchased directly.

• Financing options are available, even if you live and work abroad. At Mexico Mortgage Hub, we help buyers from the U.S., Canada, foreign residents in Mexico, and Mexicans living abroad find the right mortgage solution to make their purchase possible.

In Mexico, the restricted zone refers to specific areas where foreign buyers must follow a special legal process to acquire property (but it doesn’t mean you can’t buy there).

Here’s how it works:

• 📍 The restricted zone includes land within 50 kilometers (about 31 miles) of the coastline and 100 kilometers (about 62 miles) from any international border.

• By law, foreigners cannot hold direct title to land within this zone, but they can buy safely through a legal structure called a fideicomiso (bank trust).

• The fideicomiso gives you the same rights as direct ownership: you can sell, rent, inherit, or improve your property as you wish.

• It’s a well-established system used by thousands of international buyers every year to own beachfront and resort-area properties in places like Cancun, Puerto Vallarta, Los Cabos, and Tulum.

Canadians and U.S. citizens can absolutely buy property in Mexico’s most desirable coastal areas (such as Los Cabos, Puerto Vallarta, Cancun, and Tulum) even though these regions are part of the restricted zone.

The process is straightforward and fully protected by Mexican law.

Here’s how it works:

• You can purchase through a bank trust called a fideicomiso. This legal structure allows foreigners to own property in the restricted zone with the same rights as direct ownership.

• The fideicomiso is set up through a Mexican bank, which holds the title to the property on your behalf. You are the sole beneficiary, meaning you can sell, lease, inherit, or improve the property at any time.

• It provides secure, long-term ownership. The trust is valid for 50 years and can be renewed indefinitely.

• This process has been used for decades by thousands of Canadians and Americans to safely own beachfront homes, condos, and investment properties in Mexico.

At Mexico Mortgage Hub, we guide you through every step: from understanding the legal structure to securing the right financing for your dream property in Mexico.

A fideicomiso is a completely safe and legally recognized way for foreigners to own property in Mexico’s restricted zone.

It’s backed by the Mexican Constitution and regulated by the country’s banking and trust laws.

Here’s why it’s secure:

• The trust is managed by a Mexican bank, authorized and supervised by government financial institutions. The bank acts as a trustee (not as an owner) and must protect your rights as the beneficiary.

• You hold all ownership rights: you can sell, lease, inherit, or improve your property at any time, just like direct ownership.

• The trust is valid for 50 years, renewable indefinitely, ensuring long-term stability.

• Legal protection is strong. The fideicomiso system has been in place for decades and is the standard method used by thousands of foreign buyers to safely own beachfront properties.

• You’re always in control: any change to the trust (such as selling or adding heirs) requires your written authorization.

In short, the fideicomiso offers peace of mind, combining full ownership rights with strong legal and financial safeguards.

At Mexico Mortgage Hub, we guide you through every step of the process, ensuring your purchase is clear, secure, and stress-free.

Depending on your income and credit history, it can be a quick process: only 3 to 4 weeks.

Yes. We have savings schemes with which you can prove your income. At the same time, they allow you to save for your down payment.

At the end of the term, if you did't miss any payment, your loan is guaranteed.

No, we won't charge you anything.

We are mortgage brokers specializing in international financing. We will not charge you any fee. The banks pay us a commission for our services.