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Buying property abroad can be a savvy investment, a retirement dream, or a sun-soaked getaway plan. But for foreign buyers, mortgage terms often involve higher deposits and more regulations. This guide explores the minimum deposit requirements by region and highlights 20 top countries for property investment in 2025—covering every continent.
💰 Minimum Deposit Requirements for Foreign Buyers
Foreigners typically face higher mortgage deposits than locals. Here’s a quick overview by region:
| Region | Typical Minimum Deposit | Notes |
|---|---|---|
| Europe | 20%–50% | Depends on country and residency status |
| North America | 20%–30% | Proof of income and credit history required |
| Asia | 30%–50% or full cash | Financing often limited |
| Oceania | 20% | Strict foreign buyer regulations |
| Africa | 50% | South Africa allows up to 50% mortgage for non-residents |
| South America | 20%–40% | Brazil allows financing; Argentina mostly cash |
🌍 Top 20 Countries to Buy Property Abroad in 2025
We’ve included at least one destination from every continent:
Europe
- Portugal – Golden Visa; ~30% deposit.
- Spain – Strong rental demand; 30–40% deposit.
- France – Countryside escapes; ~20–30% deposit.
- Greece – Island properties; 30–40% deposit.
- Turkey – Affordable cities; 30–50% deposit.
North America
- USA – Mortgages available; 20–30% deposit.
- Mexico – Beachfront bargains; 25–35% deposit.
- Belize – English-speaking; ~30% deposit.
South America
- Brazil – 5–20% deposit; financing up to 80% available.
- Argentina – 30–40% deposit; largely a cash market.
Asia
- Thailand – Condo market favoured; often cash or high deposit.
- Malaysia – 30% deposit; expat-friendly policies.
- Indonesia (Bali) – Leasehold and cash deals common.
Africa
- South Africa – 50% deposit required; Reserve Bank oversight.
- Mauritius – Residency linked to property; 30–40% deposit.
Oceania
- Australia – Tight rules for foreigners; 20–30% deposit.
- New Zealand – Large deposits or cash buyers only.
Caribbean
- Dominican Republic – 30% deposit; popular with retirees.
- St. Kitts & Nevis – Citizenship-by-investment options.
Middle East
- United Arab Emirates (Dubai) – 25–40% deposit; tax-free returns.
📊 Mortgage Snapshot
| Country | Deposit Requirement | Mortgage Availability | Key Notes |
|---|---|---|---|
| South Africa | 50% | Yes (up to 50%) | Requires Reserve Bank approval |
| Brazil | 5%–20% | Yes (up to 80%) | Visa/residence may be required |
| Argentina | 30%–40% | Rare | Most deals are cash-only |
| USA | 20%–30% | Yes | Proof of assets and income required |
| Spain | 30%–40% | Yes | Specialist lenders for foreign buyers available |
✅ Final Advice
- Use experienced local agents to navigate the market.
- Check ownership rights for non-residents.
- Plan for all costs including legal, tax, and currency fees.
- Get expert legal advice before committing to any international property deal.
Whether you’re buying a beachfront condo in Brazil, a vineyard in Portugal, or a mountain retreat in South Africa, the right preparation makes all the difference. Understand mortgage rules, be ready for high deposits, and you’ll be well on your way to owning a dream home abroad in 2025. Read our beginners guide to investing
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