Belize Real Estate Guide

The process of purchasing property in Belize is fairly easy, virtually anyone can purchase property unlike in some other nations.  You can purchase property listed by any real estate agency or a property advertised by any seller. The preferred way to buying real estate in Belize is through a licensed real estate agency like RealFin or an ethical Attorney-at-law.  A real estate agency like RealFin can provides a proper Title Search and prepare all the necessary paperwork to close the sale and make the process hassle free as possible.

The Land Laws of Belize are derived mainly from the Common Law and English Statutes of the 19th century. The Law of Property Act, Chapter 190 is similar to the Real Property Act 1925 of England in many ways. Other relevant statutes include the Registered Land Act, Chp 194 (1977). This statute governs all land transactions of Belize.

There are mainly two categories under which land can be classified. Which are:

  1. Undeclared Land &
  2. Declared Land

Transactions done for Undeclared Land in Belize have to be recorded at the Titles Registry. On the other hand, transfers done for Declared Lands are to be registered at the Land registry. Both Registry offices are located in Belmopan, where we are located. 

When you purchase a property in Belize, you acquire it through three ways; Deed of Conveyance, Land Certificate or a Transfer Certificate of Title. 

Deed of Conveyance:

The oldest form of title ownership is by a Deed of Conveyance. Ownership by way of conveyance is a registered right to ownership of property. Ownership by conveyance can be converted to a Certificate of Title via an application for first registration. Any subsequent buyer is issued a Transfer Certificate of Title. It should be noted, however, that a Deed of Conveyance is a valid legal title once an attorney has confirmed that the seller has good title to the property.

Transfer of Certificate:

A Transfer Certificate of Title is a physical title to a particular parcel of land. This form of ownership is secure. It is more costly and time consuming to transfer title on a Transfer Certificate of Title than on a Deed of Conveyance.

Land Certificate:

A Land Certificate is an absolute title and applies to property purchases in new or specially designated areas. The Government is in the process of re-registering all freehold lands under the Registered Land Act of 1987 to achieve an eventual uniform system of nationwide land ownership. However this will take time, as some areas have to be re surveyed.

Your real estate agency represents you in the certificate transfer process through purchasing or selling contracts to change of ownership with the corresponding registration fees with the Lands  Department.

Real Estate commission rates in Belize range from 7-10% on residential property and 10% on land, but you should be able to negotiate depending on the type of property and location.

Belize has several Real Estate Companies since the market for real estate has been booming in the last few years. The best real estate company is one that offers you transparency, great communication, good deals, experienced real estate agents, credible partners and a hassle-free process. RealFin offers all these and more to make your real estate journey a good one! Contact Us Today for a consult.

While other real estate agencies will refer you to an insurance provider to purchase your property insurance, RealFin is one of the agencies that take this additional stress off your hands. This service offered by our institution exists as a partnership with advisor and insurance license holder, Mr. Derick Perrera, who works with some of the best insurance companies in Belize to help you protect your investment.

Belize is one of the most amenable countries for foreigners who are interested in purchasing real estate. The laws of Belize give non-nationals the same rights as nationals when it comes to purchasing and owning land. You do not have to settle for a long-term lease with the national government at the moment of closure and proper filing of documents, your property is yours!

It is important to note that the property laws of Belize are derived from the Common Law and English Statutes of the 19th century making the laws governing real estate similar to that of the UK and the rest of the commonwealth. Though your attorney may have an understanding of these laws if trained under the same system, an attorney is not required to purchase property in Belize. However, it is highly recommended to work with a reputable local real estate agency like RealFin who also partners with local attorneys-at-law that would have a comprehensive knowledge of the local market.

The only absolute way to ensure that your property has a clear title is by doing a title search. All private lands and properties in Belize must be registered and so, your real estate agent will perform a title search to ensure that the real estate in question is not involved in any legal disputes and can be legally sold to you.

Belize has become a haven for real estate and with that has come several fraudulent entities advertising properties and services. It is highly recommended that when seeking property to do so through a real estate agency or a reputable attorney-in-law. Belize is a small country but scams do exist.

Belize has a subtropical climate with two seasons; wet and dry, with the wet season corresponding with the Atlantic Hurricane Season. Belize is in the hurricane belt, and while it has not been hit by hurricanes as much as other territories in the region, the risk of experiencing a hurricane in Belize exists. It is important to consider hurricane and flooding protection when purchasing property in Belize.

Yes. Homes in Belize require the approval of the Central Building Authority in the area if you are planning to construct. A great real estate agent will always partner with an architect to better advise you on the way forward for your construction plans

No, there are no independent escrow services available in Belize. Typically a bank, an attorney or your real estate broker will offer monetary and documentary escrow services for real estate transactions.  The costs vary between free and up to 1% of the value.

No you do not. RealFin is the #1 customer focused real estate agency for a reason, we meet you where you are and with the technological era we live in, that makes it even easier. Contact us today.

No. RealFin is able to represent buyers wishing to purchase any property whether listed with us or not. We contact the seller on your behalf and conduct all necessary checks and bargaining to make sure you get the right deal and all legal boxes checked.

Construction of a home in Belize can be done with a private contractor or individual workers. Typical construction cost in Belize ranges from around $100- $200 BZD per square feet and subject to increase for upmarket construction.

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Annuity Insurance

Secure your future with an annuity- Several options available such as lifetime, guaranteed periods, or guaranteed periods with lifetime payments.

Other Insurances

Goods in Transit, Pecuniary, Travel, Mortgage Indemnity, Bonds, and Contractor’s All Risk are other coverage we carry. Don’t see what you’re looking for, please contact us to determine if we carry coverage for your need.

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Motor Insurance

With several coverage options such as Act, Standard, Fire, and Theft and Comprehensive coverage, we’ll help you find the right coverage to protect your ride!

Marine Insurance

Protect your goods, hull and machinery during transportation and movement on the waters. We offer some of the best comprehensive coverages.

Property Insurance

Losing your home or business in a natural disaster or fire is devastating; starting over from scratch is even worse. A property insurance plan can help provide cash to fund the process of starting over at a cost of pennies on the dollar.

Retirement Planning

Take control of your future today by Planning for tomorrow with the right advice. Your future self will thank you!

Life Insurance

Primary purpose is to replace a breadwinner’s income or provide income for a dependent if you’re no longer around. There are various other purposes such as debt/mortgage protection, Business keyman protection and buy/sell agreements… contact an advisor for more details.

Financial Planning

Create a solid foundation as you ascend the Financial Planning Pyramid to Financial success and freedom.


Sell to a qualified buyer and reduce the Listing Time! Our listings offer some of the most dynamic and appealing views of properties available for sale; we focus on marketing the property in a way that maximizes its best use while showcasing the existing communities and landmarks.

We also have a robust list of qualified persons looking for properties which increases the probability of a quick sale; our services of loan assessment and handholding process to get financing puts us above the competition making the experience a smooth and rewarding one. To find out about our commission rates and top-notch service, contact us and List with us today!

Critical Insurance

Coverage provides you with a cash lump sum should you be diagnosed with one of the 21 different illnesses it covers.

Health Insurance

Medical, Vision and Dental coverages with several deductible options are available – Worldwide Emergency Access and Partnership with regional referral Hospitals.


Qualified, Experienced and Licensed Insurance Advisors that specialize in Motor, Property, Life, Health, Critical Illness, Business insurance and so much more are a part of the network of professionals available at RealFIN Consultants Limited. Our goal is to provide our clients with value thus making their experience a satisfying and gratifying one. Contact us for a hassle free quote today!

Title Search

Ensure the property you buy is Free and Clear! A Title search should involve more than a lands search, it should involve a litigation search as well to ensure the property has not been named in any litigation proceedings. This ensures that your title has good root and that your investment is indeed legitimate. Our network of legal advisors provides detail, efficient and accurate title searches to protect you!


It takes more than Savings to become Financially Comfortable! We’ve been told to save, save, save…. But your savings should be sufficient to cover your emergency funds only, excess funds should be invested to increase and maximize your returns. What investments should you consider? Well, it depends on your risk appetite and tolerance. To find out about the options available, please contact us to schedule a meeting.

Financing Planning

Most people don't plan to fail they fail to plan ⁓ John L Beckley. Financial Planning is a series of short, medium, and long term financial plans that once executed properly should assist you in building a strong foundation to protect against risk, grow your assets and create a distribution system to enable generational wealth to flourish. Financial Planning involves planning for your children’s education, retirement, income protection, mortgage, Illness and so much more! Successful People Plan…. Let us help you reach that goal by having a discussion with our qualified network of advisors.


Jump the Line! Do you visit or call each institution to see what they have to offer when shopping around for a mortgage? RealFIN takes the hassle out of that with the network of financial institutions we work with to provide clients with the best options suitable to their situation. A few of the institutions in our network accommodates online or electronic applications which eliminates the need to go into an institution to apply for a mortgage. Click the contact us link to find out more!

Mortgage Assessment

Find Out what you Qualify for in a few easy steps! With 20 plus years in the Financial, Banking, and Real Estate industry, we are poised to assist you with determining what you qualify for with our easy initial 1, 2, 3 processes. Why do an assessment? Know what you qualify for, legal cost, and any other related or associated cost will put you in the position to make a more informed decision. Want to find out if you qualify & what you qualify for as well as the steps to get financing to purchase your dream home? Contact us today for a consultation!


Source Property from all over Belize! Need a reputable Agent to represent you in what is probably your most expensive purchase? As a buyer’s agent, we are experienced in helping clients find the best most appropriate property for their needs. With over 20 years in the Financial and Real Estate industry combined; we have the knowledge and network to guide our clients to the best, most affordable property with the most potential for long-term appreciation. When buying, you need someone on your side ensuring your needs are looked after; with countless sales under our belt, we can provide that professional service at no cost to you!