What are the Easiest Countries to Buy a Home In?

Choosing which are the easiest countries to buy a home in is not easy.

Buying an investment property abroad can be a complex process, but some nations make it easier than others by offering clear legal frameworks, minimal restrictions on foreign buyers, and straightforward property registration systems.

However, there is no single easiest country to buy a home in—the best option depends on an investor’s priorities. Some buyers look to live abroad and search for low-cost, low-tax environments, while others prioritize secure legal protections, access to mortgages, or residency benefits.

If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me ([email protected]) or WhatsApp (+44-7393-450-837).

This includes if you are looking for a second opinion or alternative investments.

Some facts might change from the time of writing, and nothing written here is financial, legal, tax or any kind of individual advice, or a solicitation to invest.

This article examines key factors that make home buying easier and highlights the best countries for foreign property buyers in 2025.

Tips for Foreign Property Buyers

Several factors determine how easy it is for a foreigner to buy property in a country. These include ownership rights, bureaucracy, financing accessibility, tax policies, residency benefits, and legal security.

Foreign Ownership Rights

The most important factor is whether a country allows foreigners to own property outright. Some nations have no restrictions, while others require buyers to set up local partnerships, lease the land, or use special investment structures.

• Freehold Ownership Countries: Places like Dubai, Portugal, Spain, and Canada allow 100% freehold ownership, meaning foreigners can own land and buildings outright. In one country or city, freehold areas might be limited to a certain part of the country, though.

• Leasehold or Restricted Markets: In Thailand and Indonesia, foreigners can own condos but not land, requiring leasehold agreements for houses or villas.

• Government Approval Requirements: Some countries, such as Australia and New Zealand, require foreign buyers to get government approval before purchasing property.

For ease of ownership, investors should look for freehold-friendly countries with minimal government restrictions.

Simple Legal & Bureaucratic Processes

Some countries have streamlined legal systems that make property transactions quick and hassle-free. Others involve lengthy paperwork, government approvals, and high legal costs.

• Fast and Simple Property Registration: Dubai, Turkey, and Portugal have digital land registries and fast processing times, allowing buyers to complete transactions in days instead of months.

• Lengthy or Complicated Processes: Countries like France and Italy have bureaucratic legal systems that can delay transactions due to notary requirements and extensive due diligence.

• Title Security and Transparency: Countries like Canada and Germany have strong land registries and clear property titles, reducing the risk of ownership disputes.

For an easy home-buying experience, look for countries with fast, transparent, and digital property registration systems.

Financing & Mortgage Accessibility for Foreigners

In some countries, foreign buyers can access mortgages, making property investment easier without needing to pay the full amount upfront. However, interest rates, loan terms, and down payment requirements vary widely.

• Easy Mortgage Access: In Canada, Germany, and Spain, banks offer mortgages to non-residents, often with reasonable down payments and interest rates.

• Limited or No Mortgages for Foreigners: Countries like Mexico and Thailand typically do not offer home loans to non-residents, meaning buyers must pay in full.

• Higher Interest Rates for Foreigners: Some nations, such as Turkey and Indonesia, allow foreign mortgages but charge higher interest rates compared to local buyers.

For those needing financing, it’s best to invest in countries with accessible mortgage options and competitive interest rates.

Low Taxes & Transaction Costs

Some countries impose high property taxes and fees, making home buying expensive for foreigners. Others have low or no property taxes, reducing long-term costs.

• Low-Tax Countries: Dubai, Portugal, and Greece offer low property taxes and, in some cases, no capital gains tax on real estate.

• High-Tax Markets: Countries like France, Canada, and Australia have high stamp duties, property taxes, and capital gains taxes, increasing long-term costs.

• Hidden Fees & Closing Costs: Some countries, such as Mexico and Thailand, have additional notary fees, land transfer taxes, and legal costs, which can add 5-10% to the total purchase price.

For tax-efficient investments, buyers should choose countries with low property taxes and minimal transaction fees.

Is Real Estate a Good Investment for Expats?

Market Stability & Legal Security

A stable economy and strong legal protections ensure that property investments remain safe and profitable.

• Highly Secure Markets: Countries like Canada, Germany, and Australia have strict property laws, strong banking systems, and low corruption levels.

• Emerging Markets with Higher Risks: Countries like Turkey, Mexico, and Thailand have booming real estate sectors, but investors must be cautious about market fluctuations and potential legal uncertainties.

• Currency Risks & Inflation: Investing in countries with stable currencies, such as the Euro (EU), USD (US), or SGD (Singapore), protects against depreciation risks.

For a safe investment, buyers should prioritize countries with strong property rights, transparent legal systems, and stable economies.

Which are the Easiest Countries to Buy a Home In?

Below is an analysis of the easiest countries to buy a house in 2025, based on ownership rights, bureaucracy, taxation, and investment incentives.

Greece – No Restrictions, but Higher Investment Threshold for Golden Visa

Greece allows full foreign ownership without restrictions, and the property registration process is straightforward.

However, in 2024, Greece raised the minimum real estate investment threshold for Golden Visa applicants from €250,000 to €800,000 in key locations such as Athens and Thessaloniki.

Investors looking for a lower threshold can still buy property in less central regions at the previous €250,000 minimum, or €400,000.

Despite these changes, Greece remains an affordable and accessible real estate market, particularly for investors looking for a second home in the Mediterranean.

Greece Non-Dom Tax Regime for Expats

Turkey – Fast Property Registration but Higher Citizenship Investment Threshold

Turkey continues to offer one of the fastest real estate registration processes, with some transactions completed in as little as three days.

There are no restrictions on foreign ownership, making it an attractive option for international buyers.

In 2022, Turkey raised the minimum real estate investment requirement for its Citizenship by Investment (CBI) program from $250,000 to $400,000.

Although Turkey still provides an accessible home-buying process, delays in citizenship application processing have increased due to rising demand. Investors should be prepared for longer processing times if applying for citizenship through real estate.

Mexico – Easy Ownership but Trust System for Coastal Properties

Mexico offers a welcoming real estate market for foreigners, with no restrictions on freehold property ownership outside restricted zones.

However, for properties within 50 km of the coast or 100 km of an international border, foreign buyers must purchase through a fideicomiso (bank trust). This system does not grant full ownership but provides a renewable 50-year beneficial interest in the property.

For those buying outside restricted areas, freehold ownership is straightforward, and Mexico’s low property taxes and affordable real estate market make it a popular choice for North American investors.

United Arab Emirates (Dubai) – Easy Foreign Ownership but Residency Threshold Increased

Dubai offers 100% foreign ownership in designated freehold areas, making it one of the easiest places to buy property in the Middle East.

The legal process is straightforward, transactions are processed quickly, and no income tax is imposed on property earnings. However, in 2023, the UAE raised the minimum investment threshold for residency visas:

• AED 750,000 ($204,000) for a 2-year residency visa.
• AED 2 million ($545,000) for a 5-year Golden Visa.

Additionally, while Dubai does not have a capital gains tax, some property-related taxes exist, including a 4% transfer fee and 5% VAT on certain property transactions.

Malta – Easy Real Estate Process but Stricter Residency Investment Rules

Malta remains a foreigner-friendly property market, particularly in Special Designated Areas (SDAs), places where to buy property without restrictions.

The Malta Permanent Residence Program (MPRP) still allows residency through property investment, but requires, for applications from 1 January 2025:

• €375,000 minimum property value for purchase in Malta or Gozo (+€30,000 government contribution)
• €14,000 minimum rent for leasing in Malta or Gozo (+€60,000 government contribution)

Despite these changes, Malta’s English-speaking legal system and stable market make it an attractive and easy place to buy property.

Thailand – Simple Condo Ownership, but Land Ownership Restrictions

Thailand’s real estate market is easily accessible for foreigners buying condominiums, as long as foreign ownership in a building does not exceed 49%.

Foreigners cannot directly own land in Thailand, meaning that villas and houses must be purchased under long-term leasehold agreements (typically 30 years, renewable). Exceptions do exist if a foreigner gets land from a Thai citizen by statutory inheritance.

Some foreign investors set up Thai companies to purchase land, but this method carries legal risks and should be approached cautiously. For condo buyers, Thailand remains one of the easiest and most affordable markets to enter.

Montenegro – No More Citizenship by Investment, but Still Foreign-Friendly

Montenegro has long been an attractive market for foreign investors due to its affordable real estate and no restrictions on foreign buyers.

In 2022, Montenegro ended its Citizenship by Investment (CBI) program, meaning real estate investment no longer provides a path to citizenship.

Investors can still obtain residency through property investment, and Montenegro remains a promising market due to its tourism growth and potential future EU membership (though it is unlikely to join before 2030).

Colombia – No Golden Visa, but Investment Can Lead to Residency

Colombia has a transparent real estate market with no restrictions on foreign ownership, making it one of the easiest places to buy property in Latin America.

Unlike some other countries, Colombia does not offer a traditional Golden Visa program. Instead, investors purchasing property above 350 times the minimum wage (approximately $117,000) can apply for a M-10 Visa, which may lead to residency.

While Colombia’s property-buying process is relatively simple, its legal system can be bureaucratic, and investors should hire a local lawyer to navigate potential complexities.

Before making a real estate purchase abroad, consult an expat financial advisor for more accurate and personalized guidance.

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Adam is an internationally recognised author on financial matters with over 830million answer views on Quora, a widely sold book on Amazon, and a contributor on Forbes.