unlimited-possibilities.com

The Nordic Investor's Guide to Mexico

Buying in Mexico.
Simply explained.

Foreign ownership is safe, legal, and straightforward. Here is everything you need to know — closing costs, timelines, returns — before you decide.

Secure Foreign Ownership

The Fideicomiso.
What it is.

In Mexico's coastal zones, foreigners own real estate through a Fideicomiso — a bank trust where a Mexican bank holds legal title on your behalf, while you retain full beneficial ownership, usage rights, and the right to sell, rent, or pass it on to heirs.

The same mechanism used by tens of thousands of European, American, and Canadian investors today. Duration: 50 years, renewable indefinitely.

01

Step One

Bank Trust Setup

We connect you with a notary (Notario Público) and your chosen bank — BBVA, Scotiabank, or Banamex. The bank becomes the trustee; you the beneficiary. The trust deed is registered with the Mexican Foreign Ministry (SRE). Timeline: 3–4 weeks. Cost: approx. $1,500–$2,000 USD, included in your closing costs.

02

Step Two

Due Diligence

Our legal partner verifies title history (at least 10 years back), confirms no liens or encumbrances, validates the developer's permits and construction authorisations, and reviews the purchase-sale agreement. We use independent legal counsel — not the developer's lawyer. Timeline: 1–2 weeks.

03

Step Three

Title Transfer

The notary formalises the transaction. You sign (remotely via power of attorney if needed), pay closing costs, and the Fideicomiso is registered in your name. For presale properties, you receive a Certificate of Rights until construction completes. You can sell, rent, or transfer your trust rights at any time.

Full Transparency

Closing costs breakdown

Total acquisition costs in Mexico run 5–7% of the purchase price. Every item below is standard — there are no surprises in a well-run transaction.

Notary fees (escritura)

Paid to the Notario Público for title formalisation

2.0 – 2.5%

Acquisition tax (ISAI)

State transfer tax, varies by municipality

2.0 – 3.0%

Fideicomiso setup

One-time bank trust establishment fee

$1,500 – $2,000 USD

Annual trust fee

Recurring bank trustee fee

$500 – $700 USD/yr

Legal / due diligence

Independent legal review (recommended)

$800 – $1,500 USD

Foreign Ministry permit

SRE permit for foreign ownership

$200 – $300 USD
Total all-in 5 – 7%

Example: $250,000 property

Purchase price $250,000
Closing costs (6%) $15,000
Total invested $265,000
Annual rental income (10% ROI) $26,500
Monthly income (est.) $2,208
Payback period ~10 years

Projections based on managed short-term rental. Actual returns vary.

The Numbers

ROI comparison

MarketAvg. Annual ROIAppreciationForeign Ownership
Riviera Maya, Mexico 8 – 12%
 10 – 14%/yrFideicomiso (secure)
Spain / Portugal 4 – 6%
 4 – 7%/yrDirect freehold
Baltics (EE/LV/LT) 3 – 5%
 3 – 5%/yrDirect freehold
Nordics (FI/SE/NO) 2 – 4%
 1 – 4%/yrDirect freehold
Cancun Airport Zone 10 – 14%
 13.6%/yrFideicomiso

Free Download

The 2025 Nordic Investor's Guide to Mexican Real Estate

A comprehensive PDF covering the Fideicomiso, due diligence, tax, ROI models, and the top 5 developments for 2025.

Your Advisors

Questions? Talk to the team.

Jakob Kravik

Founder & Investment Lead

Jakob Kravik

8 years in real estate investment across Northern Europe and the Riviera Maya. Originally from Estonia, Jakob has been based in Playa del Carmen for 8 years. He bridges the gap between European investor expectations and the Mexican real estate market with radical transparency. Baltic and European specialist. Speaks English, Estonian, Russian, and Spanish.

+52 984 137 5545

jakob@unlimited-possibilities.com

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Meybell Gonzalez

Co-Founder · Strategy & Culture

Meybell Gonzalez

15+ years in sales, negotiation, and business development. Meybell is the cultural backbone of Unlimited Possibilities — fluent in Mexican real estate law, developer relationships, and the nuances of closing cross-border transactions. EO Global member. Her local network is unmatched in the Riviera Maya.

+52 984 125 7359

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Rain Hallikmäe

Partner · Nordic Real Estate Lead

Rain Hallikmäe

20 years in sales and 10 years as a top-tier real estate broker in the Baltic region. Multiple-time "Broker of the Month" across Estonia. Rain is the primary contact for Nordic and Baltic investors — he speaks Estonian, English, and Russian, and understands exactly what European investors need to feel confident investing in Mexico.

+372 52 659 60

rain@unlimited-possibilities.com

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