Investing in Florida real estate

Investing in Florida: The basics

Florida, land of stunning beaches, green golf courses and year-round good weather. It's no wonder that so many Canadians want to live in Florida after retirement or spend their winters there. Are you dreaming of buying your own home? Or are you a business owner looking to invest in a rental property? Here's some key information to help you kick off your project.

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Who can buy real estate in Florida?

Investing in Florida real estate is a great opportunity for:

A snowbird looking to buy a condo, an apartment, a house or a villa
A person or group of persons looking to acquire one or more properties in their own name(s)
A business (company, Limited Liability Company (LLC), limited partnership, trust, etc.) looking to purchase several units, an income property or a commercial building

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How can you buy property in Florida?

Are you a Canadian resident? As National Bank of Canada's subsidiary in Florida, we recognize your Canadian assets and credit history when you apply for financing. We'll assess your financial balance sheet together and find a custom financing solution to help you buy a home in Florida. For example, you could:

Use funds from your savings or investments
Apply for a U.S. mortgage loan from us

Banking solutions to meet your real estate needs

We offer a full range of banking products tailored to your real estate needs, whether you're looking for a pied-à-terre in Florida or your business is planning to invest in rental property.

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Mortgage financing

Use our loans and lines of credit_¹ to buy your dream home in Florida or to refinance existing properties so you can acquire more.

Advisory service in French and English
Expertise in real estate financing
Attractive variable rates^₂

See our financing options

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Business bank accounts

Do you own rental property in Florida? Open a business account so you can deposit the rental income you receive and pay your bills in U.S. dollars.

No fee online statements
No fee online banking services, including mobile deposits^₃
Overdraft protection with a line of credit^₄

Discover our accounts

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Business credit cards

Simplify your online payments and purchases linked to your properties with our business credit cards in U.S. dollars.

Earn 1% cashback
Zero Liability protection against ID theft
Tools and discounts to optimize your operational efficiency^₅

Compare our cards

Buy real estate with confidence: we're here for you

We've been a player in the Florida real estate market since 1994. We have the necessary expertise to help you plan your real estate purchases and assess related expenses.

Our team will simplify the process by putting you in touch with real estate agents, appraisers, title agents, insurance companies and other local services. Get personalized support in French or in English during your transaction, whether remotely or in person.

Tell us about your projects

Need advice?

Contact us

Do you have questions about our solutions?

Write to us

Never mention or share your account number, PIN or any other confidential information by email.

Call us

1-800-205-9992

Monday to Friday between
8:30 a.m. and 5 p.m. (ET)

Little details that matter

^®NATBANK and the NATBANK logo are registered trademarks of National Bank of Canada.

^®Mastercard is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank.

1. A pre-approval is based on our preliminary review of information provided and limited credit information only and is not a commitment to lend. A loan commitment will only be available upon verification of application information, satisfaction of all underwriting requirements and conditions, as well as property acceptability and eligibility, including appraisal and title report. Pre-approvals are subject to change or cancellation if a requested loan no longer meets applicable regulatory requirements or is otherwise no longer available. Pre-approvals are not available on all products. See a home mortgage consultant for details.

2. Annual Percentage Rate will be based on credit history, the amount financed, the kind of loan, and the loan term.

3. Charges apply if you exceed the number of transactions included in your package.

4. Subject to credit approval.

5. Our Mastercard^® credit cards include the free Mastercard Receipt Management tool, as well as discounts from a wide range of suppliers with Mastercard Easy Savings^®. You can also get discounts on other products and services intended to optimize your operational efficiency, such as Intuit^® QuickBooks Online & Payroll, Intuit^® TurboTax and Salesforce Essentials. For more information, consult the PDF document detailing what's included with our cards.