{"id":57803,"date":"2021-05-21T16:40:00","date_gmt":"2021-05-21T16:40:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-caribbean-vacation-home-what-kind-of-property-is-right-for-you\/"},"modified":"2024-03-05T14:09:52","modified_gmt":"2024-03-05T19:09:52","slug":"buying-a-caribbean-vacation-home-what-kind-of-property-is-right-for-you","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-caribbean-vacation-home-what-kind-of-property-is-right-for-you\/","title":{"rendered":"Buying a Caribbean Vacation Home: What Kind of Property is Right For You?"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Buying a Caribbean Vacation Home: What Kind of Property is Right For You?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-563-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-563-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-563-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-563-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Buying a Caribbean Vacation Home: What Kind of Property is Right For You? &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-caribbean-vacation-home-what-kind-of-property-is-right-for-you\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-caribbean-vacation-home-what-kind-of-property-is-right-for-you\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published May 21, 2021 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading\">Buying New<\/h2>\n\n\n\n<p>When you buy new construction, you get to move into a never\u2013lived\u2013in\u2013before home with the latest appliances and modern finishes.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><strong>Customization.&nbsp;<\/strong>If you purchase pre-construction you have the opportunity to customize your home. Choosing the colours, countertops, cabinets and flooring that reflect your personal tastes can help you create a home that\u2019s uniquely yours. Depending on the development, you can even select your lot.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Flexibility.&nbsp;<\/strong>Want to move an outlet from one wall to another, change the colour of your cabinets or install hardwood versus carpeting? With a new build, you may have the flexibility to make changes before construction.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>No wear and tear.&nbsp;<\/strong>With new construction, you know the appliances have never been used, and the air conditioning, windows and roof are all brand new. That means you\u2019re likely years away from having to think about replacing anything major.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Safety.&nbsp;<\/strong>New homes are compliant with the most recent construction codes, including up\u2013to\u2013date wiring, hard-wired smoke and carbon monoxide detectors and fire-resistant carpeting and insulation.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Buying or Constructing a New Home \u2013 What to Consider<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><strong>Research your builder,&nbsp;<\/strong>Before you buy, examine the financial strength and reputation of the company building your home. Make sure they\u2019re reputable and live up to their commitments. Be aware of any clauses or penalties built into construction financing terms for delayed projects.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Prepare for delays.&nbsp;<\/strong>Delays in new construction are common, so be prepared. Have a back\u2013up plan, be tolerant and hold off on making plans to stay at your Caribbean home before the closing date is set in stone.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Manage your upgrades.&nbsp;<\/strong>There usually are lots of optional upgrades you can choose to enhance your home. Make a list of your priorities and evaluate them against your budget.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Inspect, inspect, inspect.&nbsp;<\/strong>When you buy a new build, you have opportunities to go through the home at different stages of construction. Work with a licensed home inspector and take make note of defects and imperfections to make the builder aware of them. It\u2019s wise to engage a licensed surveyor to complete inspection of each stage of the project and confirm approval to proceed to the next stage of construction<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Buying Resale<\/h4>\n\n\n\n<p>For many buyers, a resale home is preferable. Usually, you&#8217;re buying in an established neighbourhood, which can come with mature trees, community services and local shops and restaurants. Buying an existing home also means you&#8217;re buying a home with history \u2014 you can find out the average cost of utilities, maintenance, condo fees, etc.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><strong>Location.&nbsp;<\/strong>Have a specific neighbourhood in mind? Looking at resale homes instead of new construction may increase your chance of finding a home in that community.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You\u2019ll know if it feels like home.&nbsp;<\/strong>Buying an existing home means you can walk through its rooms, look through the windows and get a real feel for the place before you buy. In other words, you can see what you\u2019re getting.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Move-in ready.&nbsp;<\/strong>Unless you\u2019re doing a major renovation, buying an existing property usually means it\u2019s ready for occupancy once the deal closes. No guesswork or waiting around.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Considerations for Buying a Resale Home<\/h5>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><strong>An inspection is critical.&nbsp;<\/strong>Whether you\u2019re buying a home that\u2019s just a few years old or has been around for decades, inspect the key elements of the home \u2014 the foundation, major systems, water pressure, windows and doors, etc. Termite inspections are typically optional, but if your new home is in an area prone to them, it\u2019s money well-spent.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Get all the answers.&nbsp;<\/strong>One of the pros of buying an existing home is that it has a history \u2014 so this is your chance to get all the answers you can from the previous owners and your agent. How much does it cost to cool? What are the neighbours like? Has there ever been any water damage?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Make sure it fits your lifestyle.&nbsp;<\/strong>It\u2019s not always easy to tear down walls, remodel a kitchen or replace flooring \u2014 consider the costs and feasibility of major changes and make sure the home suits your needs in case certain renovations can\u2019t be made.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">Protecting your vacation home<\/h5>\n\n\n\n<p>Whether you are buying a new or re-sale home, ensure it&#8217;s properly storm proofed. For a new build, this should be part of the inspection. For a re-sale, consider the cost to storm-proof your house if it isn&#8217;t already. Are there upgrades to the roof and windows that need to be done in order to protect the property during hurricane season? Consider when you might need to refurbish or replace major items to ensure your home is protected. You may want to try to negotiate these upcoming repairs into the sale price.<\/p>\n\n\n\n<p>Understanding the options available when searching for a vacation property in the Caribbean can help you choose the home that best meets your needs and expectations. The more planning and consideration you give ahead of time, the easier it will be to relax and enjoy your new home.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">Find out how&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/caribbean\/forms\/non-resident-mortgage-contact.html?promo_name=ENT_Caribbean_DNL&amp;promo_id=289874&amp;promo_position=callout&amp;promo_creative=Buying%20a%20Caribbean%20Vacation%20Home:%20What%20Kind%20of%20Property%20is%20Right%20For%20You?\">RBC can support you<\/a>&nbsp;on your journey to vacation home ownership in the Caribbean.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-322a02a8-8d7e-4f31-a90a-02148b5ea964\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Buying a Caribbean Vacation Home: What Kind of Property is Right For You? &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-caribbean-vacation-home-what-kind-of-property-is-right-for-you\/\">\n  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<\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-46df0832-cb1f-4482-8167-945295adae34\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Home Ownership<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This 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pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Happy young couple using a laptop and credit card in their first home\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg 6000w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg?resize=1024,683 1024w, 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/selling-your-u-s-property-5-things-canadians-need-to-know\/\" class=\"card-title h4 mar-t-0\">Selling Your U.S. Property? 6 Things Canadians Need to Know<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-322a02a8-8d7e-4f31-a90a-02148b5ea964 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-322a02a8-8d7e-4f31-a90a-02148b5ea964 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-46df0832-cb1f-4482-8167-945295adae34 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-46df0832-cb1f-4482-8167-945295adae34 {\n\t\t\theight: 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