Best Countries with Leverage for Foreigners

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Buying property with leverage used to be a common thing. General financial instability and the world crisis made it more difficult. But there are still places that offer good conditions for investors.

Bank financing is a great tool for real estate investors. Getting a leverage can be very helpful if you do not have enough of your own capital for investment. Just like any other financial operation, this one carries financial risks that you need to keep in mind. Having a plan B is a necessity, if you don’t want to lose the whole deposit and even more. Also, in case of a failure it will stay in your credit history.

If you are a foreigner, the amount of complications is growing. Because being a local citizen gives some guarantees to the bank and makes it less possible to avoid responsibility. But foreigners can just leave both the leverage and real estate property, if something did not work out. And banks are aware of such cases. That is why they make financial leverage either impossible or difficult to get for a foreign citizen. And this is just the truth we have to live with.

Nevertheless, this is not the end of the world. The Live and Invest Overseas prepared a list of three countries that allow foreigners to get leverage for real estate purchasing. But each one of them has different kind of terms.


Panama City, Panama
Panama City, Panama

Although, Panama’s economy seems to have a growing bubble and banks give credit cards almost to everyone with an account, things are not as simple as they used to be for foreigners. 20 years ago 20% of a deposit was enough to get a loan. Times are changing.

Nowadays, you need to have at least 30% of a deposit and local life insurance with the name of a local bank as a beneficiary. Your interest rate will also be 1% higher than for citizens, which is a universal local policy for a second house mortgage or commercial realty. That makes it about 7%. If you convince the bank that this is your main home and you plan to live there, you can avoid this extra present.

Due to political climate, any bank operation is even more difficult for American buyers and investors. It is possible for them to find a suitable bank for getting leverage, but harder because of constantly changing terms of each bank.

Also read: 5 Best Real Estate Investment Destinations


Portu, Portugal
Portu, Portugal

This is one of the most popular countries for expats and investors. And accessible mortgage for foreigners is one of the main reasons. The margin does not exceed 2%.

There are t wo things you should consider beforehand. First, candidates with passive income must provide more documents that those with active sources. Second, don’t forget to add unexpected circumstances to your purchase and sale agreement if you plan to get financing from the beginning.

In general, up to 60% of foreign investors get a loan in Portuguese banks. Just do not forget to check all required documents. Better request helps of agencies familiar to the local market.

Residential property for sale in Portugal:
Villa for 6 750 000 euro in Portugal
6 750 000 €
Villa in Portugal
830 sq.m 6 6
The villa is located in a picturesque location next to the lake in Quinta do Lago.The villa includes a spacious living room, dining room, open plan kitchen, fully equipped with Miele appliances, terrace, 6 bedrooms, 6 bathrooms, second living room/study with fireplace, garage for two cars, laundry room, spacious room with access to the pool,...
NF Group
Villa for 2 300 000 euro in Lagos, Portugal
2 300 000 €
Villa in Lagos, Portugal
1120 sq.m 12 8 6
The villa is located on the coast of Praia Maya in the city of Lagos. The villa consists of separate connected apartments. On the ground floor there is a main area with three bedrooms and a three-bedroom apartment for staff. The windows overlook the sea. On the ground floor there is a two-bedroom guest apartment. The house includes an indoor...
NF Group
Flat for 817 572 euro in Cascais, Portugal
817 572 €
Flat in Cascais, Portugal
The villas are located on the territory of a 5* hotel with 24-hour security in Sintra Park in the resort town of Cascais, which is located west of Lisbon. Supermarkets, cafes, bars, restaurants, pharmacies, boutiques, a golf course, tennis courts, an equestrian complex and a gym are within walking distance.The condominium consists of 88 villas...
NF Group
Flat for 790 000 euro in Lisbon, Portugal
790 000 €
Flat in Lisbon, Portugal
The modern residential complex, located in the historic Lapa district in Lisbon, includes apartments with 1-4 bedrooms, an area of 70 - 304 sq. m, Parking, a 24-hour indoor pool, a gym and a SPA salon. The apartments offer exceptional panoramic views. The decoration of apartments is dominated by materials such as exotic wood and Portuguese...
NF Group
Flat for 190 000 euro in Cascais, Portugal
190 000 €
Flat in Cascais, Portugal
50 sq.m 2 1 1
The apartment consists of a living room, a fully equipped kitchen, a bedroom and a bathroom. The living room is separated from the bedroom by a moving wooden wall, so you can choose whether you want an open studio or a separate room. In addition, there is a spacious balcony where you can have breakfast or just relax. The apartments are deployed...
Apartment for 680 000 euro in Lisbon, Portugal
680 000 €
Apartment in Lisbon, Portugal
95 sq.m 3 2 2
Residence Credit
Apartment T2 is a two-bedroom apartment in the very center of Lisbon. The living area of the apartment is 95.3 sq.m. It consists of a living room of 43 sq.m. connected to the kitchen according to the open space concept; a bedroom suite of 11 sq.m. with a bathroom of 5.3 sq.m.; a bedroom of 16.65 sq.m. and a guest bathroom of 2 sq.m. The...
Amber Star Real Estate
Apartment for 2 165 000 euro in Lisbon, Portugal
2 165 000 €
Apartment in Lisbon, Portugal
285 sq.m 4
The residential complex consists of 55 apartments and is located in the city center. It includes parking spaces, a swimming pool, a gym, a beautiful well-groomed green area. Apartments with an area of 285 sq. m. The apartment with 4 bedrooms and a spacious terrace is located on the 11th floor. The price of the apartment includes a garage for 3...
NF Group
Apartment for 260 000 euro in Portugal
260 000 €
Apartment in Portugal
39 sq.m
ID: 13216 New luxury residence, combined a stylish space for living in the city and providing a full concierge service. The residence consists of panoramic lofts, 1-4 bedroom apartments with premium location of the Principe Perfeito. All apartments are designed according to the highest class, by the famous Portuguese world-class architect...
Russia Sotheby’s International Realty
Apartment for 545 700 euro in Oeiras, Portugal
545 700 €
Apartment in Oeiras, Portugal
108 sq.m
This unique project, signed by the famous architect Sidney Quintela, consists of 11 apartments with typologies from 2 to 3 bedrooms, with a large total area from 108 to 161 sq. m. Exquisite balconies allow you to enjoy open spaces and unforgettable views! Finishing, such as natural wood and stone, provides each room with all the necessary...
Apartment for 315 000 euro in Porto, Portugal
315 000 €
Apartment in Porto, Portugal
55 sq.m 2 1 1
Residence Credit
New building in the cultural and historical center of Porto. The building is located in a lively area popularly called Baixa do Porto and has 25 apartments, from studios to 2-bedroom apartments. The building has an elevator, which is an advantage among the historical buildings of the center of Porto. In the construction, both inside and...
Amber Star Real Estate
Apartment for 790 000 euro in Vila Nova de Gaia, Portugal
790 000 €
Apartment in Vila Nova de Gaia, Portugal
101 sq.m 3 2 2
Residence Credit
Magnificent 2-bedroom apartment located a few meters from the Douro River in Vila Nova de Gaia! It has a modern design and high quality finishing materials. The living area is 101 sq.m. and is distributed as follows: - spacious living room connected to the kitchen in open space; - suites with built-in wardrobes - bedroom with built-in...
Amber Star Real Estate
Villa for 2 150 000 euro in Porto, Portugal
2 150 000 €
Villa in Porto, Portugal
309 sq.m 6 4 5
Residence Credit
A 4-bedroom villa located in the most prestigious area of Porto. The design of this villa combines a tribute to the Portuguese architectural heritage and modern quality standards of construction and finishing materials. It has a premium location on the first line of the ocean in the Foz de Douro area, in Porto. The area of the house is 309...
Amber Star Real Estate
Studio for 533 900 euro in Lisbon, Portugal
533 900 €
Studio in Lisbon, Portugal
59 sq.m 1 1 1
Residence Credit
Studio apartment located in the center of Lisbon, Santo António district. It is located near several bus stations, parks, universities, the Santo António de Capuchos Hospital, various restaurants, shops. The solar orientation is north and south. The total area is 38 m2, which are distributed as follows: - Living room/dining room/bedroom;...
Amber Star Real Estate
Flat for 351 200 euro in Lisbon, Portugal
351 200 €
Flat in Lisbon, Portugal
23 sq.m 1 1
Residence Credit
This studio apartment is located in one of the most iconic and elegant areas of Lisbon, Príncipe Real! This location stands out for its proximity to several tram and bus stops, and close to São Pedro de Alcântara Garden-from where you can view the entire Lisbon city. It is also just a few meters away from the National...
Amber Star Real Estate
Apartment for 575 000 euro in Cascais, Portugal
575 000 €
Apartment in Cascais, Portugal
112 sq.m 3 2 3
Residence Online Viewing Remote Transaction Credit
A magnificent 2-bedroom apartment located in a place with beautiful architecture, beaches, good infrastructure in the exclusive area of Cascais!! This charming apartment will have high-quality finishes, large areas, fantastic views of the vast green area. The decoration of the apartment is modern. Apartment with premium finishing, living area of...
Amber Star Real Estate
Apartment for 182 500 euro in Portimao, Portugal
182 500 €
Apartment in Portimao, Portugal
56 sq.m 2 1 1
This apartment is in the perfect location if your goal in life is to relax in tranquil, palm tree lined gardens wilst listening to the sounds of the ocean in the distance & looking towards the stunning Portimão marina & river Arade. The Hotel Vista Marina has several spaces for relaxation, outdoor pool & jacuzzi, indoor pool, gym & spa,...
Habita International Estates Ltd
Flat for 540 000 euro in Setubal, Portugal
540 000 €
Flat in Setubal, Portugal
3 2 2
Alcochete (AM Lisboa), resort on the banks of the Tagus. Private condominium on the first line, only three floors, apartments from T1 to T4 are all furnished, with large terraces and views of the river and Lisbon. Modern interior, excellent finishes, air conditioning, built-in wardrobes. Basement parking. Outside, a large salt water pool with...
Mercury Group
Flat for 609 000 euro in Algarve, Portugal
609 000 €
Flat in Algarve, Portugal
180 sq.m 2 1
Hayat Estate
Apartment for 1 470 000 euro in Faro, Portugal
1 470 000 €
Apartment in Faro, Portugal
232 sq.m 4 3 4
Residence Online Viewing Remote Transaction Credit
This apartment is located within a closed condominium between Serra do Caldeirão and the Atlantic Ocean, giving you the option of having on the one hand life near the sea and its amenities and on the other hand a quieter life near the mountains and around very green. This luxury 3-bedroom duplex apartment has a floor area of ​​232.80sq.m...
Amber Star Real Estate
Villa for 500 000 euro in Sagres, Portugal
500 000 €
Villa in Sagres, Portugal
129 sq.m 4 3 3
Residence Online Viewing Remote Transaction Credit
A 3-bedroom villa in excellent condition, located in a high-service resort with an excellent location in Sagres. Finished in a modern style. Let yourself live a life of the highest quality! The villa, overlooking the sea and the coast, has excellent finishes, good distribution and combination of spaces, and is organized in 115 m² of total...
Amber Star Real Estate


Cudillero, Spain
Cudillero, Spain

Spanish banking rules are very similar to Portugal. And similarly to the Portuguese market, do not forget to add unforeseen circumstances to the contract. You can also use the broker service to get into details and requirements, the price is usually very mild. The average cost is 500 euro.

Read more about: Cities and Villages in Spain, Where You Will Be Paid for Staying

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