Buying Property in Jamaica
A step-by-step guide to purchasing property in Jamaica, including costs, legal requirements, and tips for overseas buyers.
The Buying Process
Find a Property
Browse listings on Jamaica Homes. Engage a verified realtor for guidance, especially as an overseas buyer.
Make an Offer
Offers are typically made verbally first, then confirmed in writing. A deposit of 10% is standard on acceptance.
Engage a Lawyer
Conveyancing in Jamaica is done by attorneys. You'll need a Jamaican attorney to handle title searches, transfer documents, and registration.
Due Diligence
Your attorney will conduct a title search at the National Land Agency (NLA) to confirm ownership and any encumbrances.
Sign Sale Agreement
Once terms are agreed, both parties sign a formal sale agreement. The buyer pays the remaining balance.
Transfer & Registration
Title is transferred at the NLA. The process typically takes 3–6 months.
Typical Costs (Buyer)
Note: Transfer tax and stamp duty are split between buyer and seller — confirm with your attorney. Rates may change.
Overseas Buyers
Non-Jamaican nationals can freely purchase property in Jamaica. There are no restrictions on foreign ownership. Key considerations:
- Funds must typically be brought in via wire transfer in foreign currency and exchanged through a licensed cambio or bank
- You can appoint a Power of Attorney for a local representative to act on your behalf
- Income from renting the property is subject to Jamaican tax
- Work with a REBJ-licensed realtor to navigate the process smoothly
What is a Registered Title?
Jamaica uses a Torrens title system. Always confirm the property has a registered certificate of title — not just a "common law title" — for the safest purchase. Your attorney will advise.