Mortgages & Property Finance in Georgia for Foreigners
Non-residents can legally buy and finance real estate in Georgia (the country, not the US state) on the same terms as citizens. That does not mean every bank lends to every foreigner: non-resident mortgages come with higher down payments, income proof and case-by-case approval. We assess whether your profile fits a Georgian lender, pick the right bank and run the purchase from the first eligibility check through to registration at the National Agency of Public Registry. All figures below are indicative and must be confirmed with the bank before you apply. As of July 2026.
Figures as at 07/2026. We confirm them for your case before you order.
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What we do
- Feasibility & eligibility review. We assess whether your profile (income, residency, nationality and source of funds) fits a Georgian lender's criteria before you spend time on an application.
- Bank selection & application. We match you to banks that actually lend to non-residents (TBC, Bank of Georgia, Liberty and others) and prepare and submit the application on the right terms.
- Document & income proof. We help compile the standard package: passport, income certificates for 6-12 months, bank statements and proof of funds, with certified translation and apostille where required.
- Property due diligence & purchase support, title checks, notary, NAPR registration and coordination of the transfer, so financing and ownership close cleanly.
- Coordination with your residence permit. We align a qualifying property purchase with a property-based residence permit application where that is part of your plan.
How it works
Free consultation and eligibility review. We look at your income, currency and profile and give an honest read on your chances.
Bank shortlist and pre-approval. We approach lenders that fit your case and confirm indicative terms before you commit.
Document preparation and submission. We assemble, translate and apostille the paperwork and file the application.
Property purchase, registration and closing, due diligence, notary, NAPR registration and drawdown of the loan.
Facts worth knowing before you decide
Foreign income can work
Banks lend to non-residents who can document stable income. What they want is proof they can verify, not a residence permit.
You will need a Georgian account
Disbursement and repayment run through a local account, so opening one is part of the timeline, not an afterthought.
Check the property, not just the loan
Title, encumbrances and the developer's standing decide whether the deal is safe. The legal review belongs before the signature.
Frequently Asked Questions
Can foreigners get a mortgage in Georgia?
Yes. There are no legal restrictions on non-residents borrowing in Georgia, and banks such as TBC, Bank of Georgia and Liberty do lend to foreigners. Approval is case by case, though: not every applicant or bank qualifies, so we confirm your real options with the lender before you apply.
How large is the down payment?
For foreign nationals, expect roughly 30-40% of the property value, sometimes reduced toward 15-20% if you can prove local income over six months. These figures are indicative and vary by bank, currency and profile, so treat them as a starting point and verify the exact requirement with your lender before applying.
Do I need a residence permit to get a mortgage?
No. Non-residents own and finance property on the same terms as Georgian citizens, so a residence permit is not required to get a mortgage. It can still help your approval. A qualifying property purchase (from USD 150,000, threshold as of March 2026) can itself support a residence permit application.
Related services & guides
This page is general information about our service, not legal advice. Procedures, competent authorities and government fees can change; we confirm the exact process for your documents before you order. · Last reviewed 07/2026