A bank trust is a legal instrument that allows foreign citizens to purchase property in Mexico’s designated “restricted zones,” such as Los Cabos.

Through this mechanism, a Mexican bank acts as trustee, while you, the buyer, retain full rights to use, sell, rent, or inherit the property.

Establishing a bank trust is a straightforward process, requiring an initial setup fee and an annual maintenance fee, and it ensures that your investment is legally secure and protected for the long term.

In addition to the purchase price, it’s important to consider taxes such as the capital gains tax (ISR if reselling), notary fees, and registration fees with the Public Property Registry.

There are also ongoing costs like maintenance fees, annual property taxes, and, if purchasing through a fideicomiso, annual bank trust fees.

This guide provides a breakdown of each expense with estimated examples, so you can calculate a realistic budget before starting the buying process.

Unlike in the United States or Canada, where agents typically represent either the buyer or the seller exclusively, in Mexico it’s common for agents to facilitate both sides, coordinating the entire process from start to finish.

Working with a certified agent is essential to ensure that every step—from price negotiation to final closing—is carried out legally, minimizing risks and streamlining timelines.

The process begins with finding the right property and signing a purchase offer, which outlines the basic terms and conditions.

Next comes the opening of the fideicomiso (bank trust), the legal due diligence of the property, signing the deed before a notary public, and finally, registering the transaction with the Public Property Registry.

Each step is designed to provide legal security for the buyer, and our team will personally guide you through every phase so you can make informed, confident decisions.

Throughout our website, you’ll find options to schedule a free consultation, submit a contact form, or request a video call.

We are available to assist you in English or Spanish, answer any questions, and provide recommendations tailored to your interests, budget, and specific needs.

Our goal is to make your property buying experience in Los Cabos clear, secure, and rewarding.