Turn One Apartment into Two Without Additional Capital: The Power of Equity Release in Curacao

Curacao's real estate market offers unique opportunities for smart investors. One increasingly popular financing strategy is 'equity release'. This allows property owners to leverage the equity in their existing real estate to reinvest—without needing to inject additional capital. Imagine owning one apartment and transforming it into two rental units using this method. More returns, no extra savings.

What is equity release in Curacao?

Equity release in Curacao means using the value (equity) in your current property as collateral for a new loan. In other words, the value you've already built up in your property can finance a renovation or even a second apartment.

How does it work in Curacao?

Banks and mortgage lenders in Curacao are increasingly open to working with investors. With rising property values, there's often significant equity in existing apartments. With a well-thought-out plan, such as converting one larger apartment into two independent units, you can secure an additional loan based on this equity. This increases rental potential and monthly income.

Why is this a unique opportunity?

Rental demand in Curacao continues to grow, both from locals and tourists. By making smart use of equity release, you can expand your real estate portfolio without major upfront investments. There are also tax benefits and an investor-friendly climate on the island.

Mortgage terms in Curacao

Interest rates currently hover around 5%, with loan terms typically about 20 years. The most common loan structure is an annuity mortgage.

Guardhouse Curacao: Your Real Estate Finance Partner

Guardhouse Curacao specializes in guiding real estate investors toward achieving their financial goals. With a team of independent advisors, Guardhouse offers customized solutions including:

• Free quickscan to assess your financing options

• Assistance with mortgage applications and equity utilization

• Advice on splitting apartments and maximizing rental returns

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Joost Houtsma, co-owner of Guardhouse Curacao, has years of experience in real estate finance and tax consulting. His expertise helps investors make smart, profitable decisions.

Get in touch today

Contact Joost Houtsma at joost@guardhouse-curacao.com or call +5999 523 3518.

He will help analyze your possibilities and guide you step-by-step through this smart investment strategy.

For more information and to get your free quickscan, visit: www.guardhouse-curacao.com