With its tropical climate, political stability, and refined fiscal framework, Mauritius has emerged as one of the most sought-after real estate destinations for international investors.
But when the dream of owning a villa on this Indian Ocean island becomes a concrete project, a key question arises: how should one finance such an acquisition?
Two main options prevail — a full cash payment or bank financing, either through an international or a Mauritian institution.
Mauritius: Where Lifestyle Meets Investment Performance
Strategically located between Europe, Africa, and Asia, Mauritius combines economic stability with legal security. Its transparent tax system — a flat 15% rate with no wealth or capital-gains tax — and its cosmopolitan lifestyle make it a magnet for expatriates and investors alike.
For many, investing in Mauritius is not just a financial move; it’s a long-term lifestyle investment, whether as a second home, a retirement residence, or part of a global diversification strategy.
Mauritius: Where Lifestyle Meets Investment Performance
Strategically located between Europe, Africa, and Asia, Mauritius combines economic stability with legal security. Its transparent tax system — a flat 15% rate with no wealth or capital-gains tax — and its cosmopolitan lifestyle make it a magnet for expatriates and investors alike.
For many, investing in Mauritius is not just a financial move; it’s a long-term lifestyle investment, whether as a second home, a retirement residence, or part of a global diversification strategy.
Paying Cash: The Discreet and Efficient Route
Opting for a cash purchase remains the simplest and fastest route.
Without the delays of credit approval, buyers accelerate the transaction process and gain stronger leverage in negotiations.
Favoured by seasoned investors, this method ensures privacy, speed, and peace of mind, aligning perfectly with the expectations of an international clientele seeking discretion and efficiency.
Bank Financing: Leveraging Capital Intelligently
For those preferring to preserve liquidity, bank financing offers a flexible and strategic alternative. Two primary paths are available — via an overseas bank or a local Mauritian bank.
Financing through an International Bank
Several international banks provide financing for Mauritian real estate purchases, often in exchange for a mortgage guarantee on an existing property located in the buyer’s country of residence.
This structure — known as a secured mortgage loan — enables investors to unlock the value of existing assets without transferring cash across borders.
Financing through a Mauritian Bank
Mauritian banks also grant property loans to non-residents, with terms depending on the type of property and the investor’s profile.
➤ Buying a completed property or G+2 apartment
No foreign-currency contribution is required by law.
Typically, local banks request a minimum down payment of 30%, with financing available for up to 70% of the property value, subject to credit approval and proof of income.
➤ Buying off-plan (IRS, RES, PDS, Smart City, VEFA)
Since the Finance Act effective July 1, 2025, new developments require an up-front cash contribution of up to USD 750,000 before any local financing is granted.
This reform aims to strengthen the financial stability of developers and curb speculative borrowing.
However, this measure may evolve in the near future as the market adjusts.
Interest Rates and Loan Conditions – November 2025
Mortgage loans for non-residents are generally offered at variable rates over a maximum of 15 years, with competitive margins compared to international standards:
In euros: Euribor (1 or 3 months) + 2 % to 4 %, depending on borrower profile.
In US dollars: SOFR (1 month) + 1.5 % to 3 %.
These margins reflect currency risk and the borrower’s non-resident status, yet remain attractive within the current global lending landscape.
The GADAIT International Advantage
Whether opting for a cash purchase or a bank-financed acquisition, GADAIT International guides its clients every step of the way:
Tailored wealth and investment analysis;
Introductions to trusted banking partners in Mauritius and abroad;
Selection of properties eligible for the Mauritian Permanent Residence Permit;
Coordination of legal, tax, and administrative procedures.
Our goal: to ensure a secure, transparent, and rewarding acquisition process that aligns with each investor’s ambitions.
Conclusion
Investing in Mauritius is more than acquiring a property — it’s embracing a refined lifestyle in a stable and dynamic economy.
With solid financing options and expert guidance, each investment becomes a lasting asset — both financially and personally.
GADAIT International, a trusted reference in global luxury real estate, stands by your side to transform your vision into a successful and enduring investment.