How it works
How it works

How international buyers purchase property in Puerto Vallarta

The process works differently here than it does back home. This page walks you through the legal requirements, typical costs, and the timeline from first call to closing day — so nothing catches you off guard.
Request Your Free Call
Get the buyer's guide

The buying process, step by step

Follow a simple process designed to remove confusion, reduce risk, and help you move forward with confidence.
Request Your Free Call
Step 1
Discovery call
You talk with one of our agents about what you're looking for — budget, timeline, lifestyle goals, neighborhoods, and any concerns. This call is free, low-pressure, and usually lasts 20 to 30 minutes.
Step 2
Custom property search
Based on your conversation, we build a shortlist of properties that match your criteria. You'll receive detailed information on each one, including photos, pricing, location context, and our honest assessment.
Step 3
Property tours
Whether you visit in person or start with virtual tours, we walk you through each property and the surrounding neighborhood. We answer questions in real time and help you compare options side by side.
Step 4
Offer, negotiation, due diligence
When you find the right property, we help you write a strong offer and negotiate terms on your behalf. We explain every clause and perform due diligence so you know exactly what you're agreeing to.
Step 5
Closing and keys
The notary finalizes the transaction, funds are transferred, and the property is registered in your name (or your bank trust). You receive your keys and the paperwork to prove it.

What is the Fideicomiso, and why do you need one?

Mexican law requires foreigners to hold coastal property through a Fideicomiso, a real estate trust administered by an authorized Mexican bank. The bank holds legal title on your behalf, and you retain full rights to use, rent, renovate, sell, or transfer the property.

A few things that ease the concern most buyers feel when they first hear about this:

The Fideicomiso has been used for decades and is specifically designed to protect foreign buyers. The property belongs to you — the bank cannot use it, claim it, or sell it. If the bank were ever to face financial trouble, your property is legally separated from the bank's own assets. The trust lasts 50 years and can be renewed. You can sell the property at any time.

Setting up the Fideicomiso is part of the standard closing process. The notary, closing coordinator and our team handle the paperwork. You'll understand every step before you sign anything.
Request Your Free Call

Typical costs when buying property in Puerto Vallarta

Closing costs for buyers generally run between 4% and 6% of the purchase price. These cover notary fees, property transfer tax, the bank trust setup, an appraisal, and public registry recording.

Your ongoing costs after closing typically include annual property taxes (significantly lower than in the U.S. or Canada), HOA fees if you buy within a homeowners association, utilities, and annual trust fees if applicable.

We walk through a full cost breakdown during your discovery call so you have a clear picture before you commit to anything. If you're considering renting out the property, we can discuss operating costs and income potential too.
Request Your Free Call

The questions every buyer asks

Request Your Free Call

Yes. Foreigners buy coastal property through the Fideicomiso (bank trust), which gives you full ownership rights. You do not need to be a Mexican resident to purchase.

No. Our bilingual team includes English-speaking agents who handle communication with other professionals on your behalf. Every document is explained in English before you sign.

Most transactions close in 45 to 60 days, depending on complexity. We set clear milestones and keep you updated throughout.

Some Mexican banks and financial institutions offer mortgage loans to foreign buyers. We can connect you with lenders and walk you through the options during your planning stage.

Free Buyer’s Guide: A Step-by-Step Guide for International Buyers Purchasing Property in Mexico
Free compliementary short-form Buyer's Guide videos delivered to your inbox. Each one answers a specific question about the buying process — legal steps, the bank trust, costs, neighborhoods, and how to avoid the most common mistakes.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
First name*
Last name*
Frequently featured on
How we can help you
Buying property in Mexico feels complicated and risky when you don't know the process. We've guided thousands of international buyers through every step, with over 20 years of experience and 39 HGTV episodes to back it up. Our clients go from nervous and overwhelmed to confident homeowners living the life they designed.
Request Your Free Call
Copyright © 2026 - All Rights Reserved
Designed by Ink and Key