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Canadian mortgage services for people living or buying in Costa Rica

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Are you a Canadian living or wanting to purchase here in beautiful Costa Rica?


  • Looking for a Canadian Mortgage Broker that can work with you in Costa Rica? 

  • Buying in Costa Rica?

  • Refinancing in Canada?

  • Renewing your Canadian Mortgage, however living in Costa Rica?

I LIVE here in Costa Rica most of the year and available to assist. I have travelled extensively through MOST regions in Costa Rica to give advise on buying ideas, climate, areas suited for you and REALTORS to use...and travel advice too!

Sometimes you just want someone to talk to in person even when you are not in Canada. I am here in Costa Rica, living in Playa Del Coco.


  1. No need to spend expensive hours on the phone with your BANK or waiting days for emails.

  2. Options for your mortgage renewal instead of just “signing” what the Bank gives you as rate options

  3. Accessing your Canadian Property equity to buy a home in Costa Rica and how to do it at a low cost.

  4. There is NO FEE to use me unless it is a private or commercial mortgage.  Bank in Canada pay my fees!

I can assist for all your Canadian Mortgage needs!


  1. ONLINE or in person meetings, local WhatsAPP, or in person if you are within the Guanacaste region.

  2. Can assist with getting documents online and that are required to qualify and complete online efficiently

  3. ALL CRA document such as T4 or Pension slips and Notice of Assessments I can pull direct. No need to find them in your files at home.

  4. Can work with your Bank directly and local lawyers to assist in your closing for purchases while not leaving Costa Rica.

  5. Have access to PRIVATE mortgages - 1% broker for most of these loans / mortgage rates vary

What options are there for financing homes in Costa Rica?

The cheapest option is to refinance your home in Canada and pay in Cash. 

There is no Bank financing for non-residents in Costa Rica. It's CASH or Seller Financing.

If you have a home in Canada with a significant amount of equity you can:

  1. Keep your existing mortgage and ADD a Secured Line of Credit

  2. Move to a full Home Equity Line of Credit program such as the Manulife One, Optimum Homeworks, or Scotia Step, other many others depending on qualifying

  3. Access a private cheap 2nd mortgages via private lending in Canada

  4. OR, many sellers here will do Vendor Take Back Mortgages with 35-50% down payment.
    Definitely negotiable with the RIGHT REALTOR here in Costa Rica.

There are a few financing options in Costa Rica, generally unless you find "Owner Financing". Usually this might look like 50% downpayment and then 9%-12% on the financed side for 5 years.


There are a few Costa Rica Bank such as ScotiaBank, MuCAP. Generally very difficult to get financing via them based on numerous peoples testimonials.

Here is MY airbnb in Playa Del Coco that nets about $25k US per year.
10% discount if you book with me direct. 


I have very personal connections with some of the BEST Realtors here in Costa Rica that are LICENSED and available to assist.

For Properties in North/Pacific Region of Costa Rica - Flamingo, Tamarindo, Potrero, Coco, Hermosa, Langosta,  and others!

Kiki Berg,
Professional and Licensed Mortgage Broker for Canada

WhatsAPP me or email me.

16 years experience and MANY Happy clients owning property here in Costa Rica