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The Definitive Newbie’s Guide to Caribbean Citizenship by Real Estate Investment (2025)

For Global Investors, Family Offices, and Second Citizenship Seekers

Whether you are seeking a global all-access pass, a secure Plan B for your family, or a tangible investment in an attractive tourist hub, this definitive Newbie’s Guide to Caribbean Citizenship by real estate breaks down everything you need to know about investing in Caribbean property in order to gain citizenship: from cost comparisons and property types to exit strategies and program timelines.

Free Initial Expert Consultation

Securing a second citizenship isn’t a luxury; it’s a resourceful, multifaceted tool necessary for generational family security and opening new doors. For global investors, family offices, and entrepreneurs, Caribbean Citizenship by Investment through real estate offers premium access to global mobility, tax and business efficiency, and long-term asset protection.

With over 30 years of experience, NTL Trust is your licensed, strategic partner in navigating the Caribbean CBI landscape. We are your boots-on-the-ground presence: from property selection to passport delivery.

1. Real Estate Through Citizenship by Investment: Overview

Caribbean nations offer Citizenship by Investment programs that allow foreign investors and their families to naturalize as citizens, and obtain the relevant passports, on the basis of real estate investments. These programs are designed to be win-win for all stakeholders: attract foreign capital to the jurisdiction, and provide investors with a tangible luxury asset – property in the Caribbean. All the while, providing investors with advantages such as global travel benefits of a second passport.

2. Why Choose Citizenship by Investment in the Caribbean?

  • Visa-Free Travel: Access to over 140 countries without a visa.
  • Minimal taxes: No income, inheritance, or capital gains tax in many Caribbean countries. No citizenship-based taxation.
  • Family Friendly: Ability to include spouse, children, and dependent parents, even siblings, in the application.
  • Fast Processing: Citizenship can often be obtained within 3–9 months, much faster than traditional naturalization routes to citizenship.
  • Stable Investment: Real estate in the Caribbean offers potential for appreciation and rental income. The Caribbean has been known for decades as a jet-set tourism and lifestyle destination.

3. Why Choose Real Estate Over Donation for Caribbean Citizenship?

When applying for Caribbean Citizenship by Investment, applicants typically have two main options: a non-refundable government donation or a real estate investment.

Agents who are based outside the Caribbean often recommend the donation route, because it’s simpler for them. For the client, the main advantage is that the citizenship by donation route involves less upfront cash outlay.

However, the real estate option offers distinct long-term advantages that appeal to investors seeking both citizenship and ROI. The key here is doing proper due diligence on what you are buying, just like any real estate purchase anywhere in the world. For this, you don’t want to rely on an agent in a place like Dubai who has probably never even visited the Caribbean. You need a reputable adviser from a company who has boots on the ground in the Caribbean, such as NTL Trust.

By choosing real estate, you’re not simply acquiring a passport – you’re acquiring a concrete (literally) connection to the country in question. Nobody can accuse you of “buying a passport.” You are becoming a property owning citizen, contributing actively to the economy of the new country.

It’s also a good investment from the point of view of the numbers. Approved properties, such as branded luxury residences and resort developments, often come with structured rental programs that provide annual returns ranging from 3% to 6%. Additionally, these properties can be resold after a holding period (typically 4 to 7 years), potentially allowing you to recoup your investment – something a donation can never offer.

Perhaps more important than the financial benefits, real estate provides a physical asset in a stable, tourism-driven market, a lifestyle property you can visit, rent, or pass on to your heirs. For many investors, it’s a strategic way to diversify assets, hedge against currency risk, and gain second citizenship through a pathway that retains long-term value. It’s a kind of forced long-term savings plan – a valuable asset to keep discreetly tucked away for a rainy day.

4. What is the Cost of Real Estate through Citizenship by Investment?

Just as anywhere else in the world, the cost of obtaining citizenship through real estate in the Caribbean depends on many factors: the country, the type of property, the age, the location etc.

There is a minimum real estate investment threshold in order to qualify for citizenship. However, that’s not to say you can’t invest over the minimum, and by slightly increasing your budget you might find you can access much better deals.

Here’s what you can expect:

  • Minimum Real Estate Investment:
    • Starts from US$ 200,000 depending on the program and whether the property is shared or privately owned.
    • Most popular minimum threshold: US$ 200,000 for fractional/shared ownership, or US$ 400,000+ for full ownership.

  • Government Fees (in addition to investment):
    • Due diligence fees: US$ 7,500+ for the main applicant
    • Processing fees: Vary by country and family size (average US$ 30,000–US$ 60,000)
    • Application/legal fees: Approx. US$ 10,000–US$ 20,000

  • Holding Period:
    • Investors must keep the property for 3 to 7 years depending on the country.

  • Resale Eligibility:
    • Some programs allow resale to future CBI applicants; others do not.

5. What Is the Lifestyle Like for Investors in the Caribbean?

The Caribbean lifestyle offers more than turquoise waters, beach bars and year-round sunshine. After a few months of that, you will likely crave a deeper island experience.

The Caribbean delivers a high–end life in a tourism driven destination, that attracts high-net-worth individuals, successful entrepreneurs, crypto investors and so on from around the world. Those who acquire second citizenship through real estate gain access to exclusive beachfront properties, private marinas, five-star resorts, and high-end wellness retreats, often in tax-neutral jurisdictions with minimal reporting requirements.

Business is an important part of the Caribbean lifestyle too. Think waking up, grabbing a coffee, admiring the view and then heading over to your home office to start the day. With excellent fiber connections, you can trade online or manage your global business via video calls, checking in on your business activities before heading out to a delicious lunch in a high-class restaurant, or buying your own locally-produced organic vegetables and freshly caught lobster in the market. You get the picture…

Whether you’re looking for a quiet villa with panoramic ocean views or a branded residence with concierge service and rental returns when you’re not there, Caribbean life is laid back and caters to both personal enjoyment and smart asset diversification.

Residents and second-home owners benefit from English-speaking countries, great schools and universities, and direct flight access to the U.S., Canada, and Europe – making the Caribbean a perfect Plan B or seasonal retreat base for families and business owners alike.

Large number of available properties belong to world – famous brands like Four Seasons and Marriott giving investors the opportunity to enjoy pristine nature and high-end infrastructure simultaneously. Caribbean CBI real estate is also evolving to meet modern ESG standards, with eco-luxury resorts and low-impact developments now available in Dominica, Nevis, and Grenada.

6. Best Caribbean Islands for Citizenship by Investment Through Real Estate

Countries Offering Real Estate CBI in 2025:

  • St. Kitts & Nevis
  • St. Lucia
  • Antigua & Barbuda
  • Dominica
  • Grenada

Current Investment Thresholds & Holding Periods:

Country Min Investment Type Holding Period Resale Allowed Family Inclusion Typical Timeline
St. Kitts & Nevis $400K (shared) / $800K (private) Private Real Estate 7 years Limited Yes 4–9 months
St. Lucia US$ 200K–US$ 300K Real Estate Projects 5 years Restricted Yes (up to age 25–30 depending on justification) 6–12 months
Antigua & Barbuda US$ 200K–US$ 400K Approved Real Estate 5 years Yes Yes 4–8 months
Dominica US$ 200K Hotel Shares 3–5 years Yes Yes 3–9 months
Grenada US$ 220K (shared) / US$ 350K (full) Hotel/Resort 5 years Yes Yes 5–9 months

Important Notes:

Only approved developments qualify
Minimum holding periods must be met before resale
Shared ownership options (fractional) are permitted in select cases

Market Liquidity:

Limited compared to North America or Europe. This should be considered a long term commitment to your new passport country.

Certain property types (branded, income-producing, turnkey) have higher liquidity and appreciation potential

Eligible Real Estate Types

Branded residences (Four Seasons, Six Senses, etc.)
Hotel-condo units
Luxury beachfront villas
Boutique eco-resorts
Real estate fund shares (REIFs)
Fractional ownership units (in select cases)

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🇦🇬 Antigua & Barbuda

Antigua & Barbuda is a dual-island nation offering one of the most attractive and family-inclusive CBI programs in the Caribbean. Known for its 365 beaches (one for each day of the year) and political stability, as well as its offshore banking and crypto friendly legislation, it provides a lifestyle-driven investment opportunity with long-term global benefits.

Benefits:

  • Family-friendly program with generous dependent rules – siblings and even son/daughter-in-laws can be included under certain circumstances.
  • No personal income, wealth, or inheritance taxes
  • Visa-free access to 150+ countries
  • Citizenship granted in 3–9 months Minimum US$ 230,000 in approved real estate
  • Holding period: 5 years

Popular Developments:

  • Hodges Bay Resort & Spa – boutique luxury with strong rental returns
  • Tamarind Hills – modern oceanfront villas and condos
  • Nonsuch Bay Residences – contemporary units with access to a private beach and resort amenities
  • Moongate
  • Passion Village

🇩🇲 Dominica

Dominica is known as the Nature Island of the Caribbean, due to its outstanding natural beauty and green credentials. stands out for its eco-conscious values and affordability, making it the go-to destination for nature lovers and smart investors alike. Its CBI program is highly respected for due diligence, transparency, and value.

Benefits:

  • Lowest real estate entry point in the Caribbean
  • Minimal cost for family add-ons
  • Strong due diligence and transparency
  • Dual citizenship allowed
  • Minimum US$ 200,000
  • Holding period: 3 years

Popular Developments:

  • Secret Bay – Dominica’s flagship luxury eco-resort
  • Tranquility Beach – new clifftop development with government approval
  • Jungle Bay – eco-luxury villas focused on wellness tourism

🇬🇩 Grenada

Grenada, known as the Isle of Spice, is a strategic choice for investors who want Caribbean lifestyle, combining beaches, jungle, and it’s a foodie’s paradise. It is also home to St George’s University, a top private medical school and international university.

Benefits:

  • U.S. E-2 visa eligibility
  • Visa-free travel to 140+ countries
  • No income, inheritance, or capital gains tax
  • Strategic location for business and education
  • Minimum Investment USD 235,000
  • Holding period: 5 years

Popular Developments:

  • Six Senses La Sagesse – wellness-luxury resort by an award-winning brand
  • The Point at Petite Calivigny – boutique waterfront with strong rental potential

🇱🇨 St. Lucia

St. Lucia’s Citizenship by Investment program is ideal for investors seeking flexibility, lifestyle, and security. With multiple options across real estate, government bonds, and investment in a business, the island state combines financial diversity with spectacular natural beauty.

Benefits:

  • Investment flexibility (real estate, bonds, or enterprise)
  • No global income or capital gains tax
  • Fast-track processing for families
  • Strong legal and banking framework
  • Minimum US$ 240,000
  • Holding period: 5 years

Popular Developments:

  • Canelles Resort – luxury beachfront development (currently sold out)
  • Harbor Club Residences – hotel-branded investment in Rodney Bay
  • Secret Bay Partner Properties – wellness-inspired Caribbean living

🇰🇳 St. Kitts & Nevis

St. Kitts & Nevis is the birthplace of Citizenship by Investment, offering unmatched experience and international recognition. For this reason it brands itself as the “Platinum Standard” CBI program. Its program is built on legal stability, investor confidence, and an evolving real estate sector.

Benefits:

  • Visa-free access to 150+ countries
  • No worldwide taxation for residents nor citizens
  • Includes spouse, children, and parents
  • Established regulatory framework
  • Minimum investment US$ 250,000 (shared) or US$ 400,000+ (private)
  • Holding period: 7 years

Popular Developments:

  • Four Seasons Resort Nevis – ultra-luxury villas and branded residences
  • Zenith Nevis – exclusive villas with high ROI potential
  • Koi Resort – Curio Collection by Hilton
  • Park Hyatt – luxury branded property developed by the world-famous Range Group

7. Application Process

Step 1: Initial Consultation & Program Selection

Begin with a strategic consultation: determine which Caribbean Citizenship by Investment (CBI) program aligns with your goals and priorities. Explore real estate options based on eligibility, investment thresholds, and exit potential.

NTL Trust helps you compare countries, real estate projects, and family inclusion options to find the best fit. We will present a carefully curated and personalized selection of potential properties, based on our strict due diligence protocols as well as your personal goals, budget etc.

Step 2: Property Selection & Reservation

After choosing your preferred program, you’ll select a government-approved real estate project and sign a reservation or purchase agreement. A small reservation fee may be required at this stage to secure your chosen unit. The reservation fee is usually non-refundable, but you have no further commitment until you are approved for citizenship.

Step 3: Legal Engagement & Document Preparation

Alongside selecting the right property, you’ll formally engage with a licensed agent and legal representative to prepare your application file. We hope you will select NTL Trust as your agent. This is a written contract outlining what the agent will do for you, and how much they will charge. Required documents typically include:

  • Valid passport
  • Birth/marriage certificates
  • Proof of address
  • Financial statements
  • Police clearance
  • Source of funds documentation

Don’t worry if the list looks a bit complicated. An important part of the agent’s job is working with you and answering all your questions on documentation, drafting affidavits of explanation when required, and holding your hand through the entire process.

Step 4: Application Submission & Government Review

Once your documents are complete, your application is submitted by your agent to the relevant government authority along with due diligence and processing fees. This triggers a comprehensive background check conducted by international security agencies.

At this stage, you won’t need to travel: all communication is handled via your licensed agent.

Step 5: Government Due Diligence & Approval in Principle

The CBI Unit carefully reviews your application and background. If no issues are found, you’ll receive formal approval in principle: confirming that you’ve passed due diligence and may now proceed with the final investment.

Step 6: Final Investment & Property Transfer

You complete the real estate transaction by paying the full investment amount. Legal documents confirming ownership are finalized and submitted to the CBI Unit as proof of compliance.

Step 7: Citizenship Certificate & Passport Issuance

Once all paperwork is in place, the government issues your Certificate of Citizenship, followed by your official passport. These will be processed and expedited on your behalf by your agent, who will then arrange delivery by international courier. Congratulations! You are now a citizen of your chosen Caribbean country, with full rights, protections, and visa-free travel privileges!

8. Pre-Due Diligence Checklist for Caribbean Citizenship by Investment

1. Identity Documents

  • Valid passport (all applicants)
  • National ID card(s)
  • Birth certificates (long form, showing parents)
  • Marriage certificate or proof of relationship
  • Divorce or death certificates (if applicable)
  • Recent passport-sized photos (as per specs)

2. Police Clearance & Legal Records

  • Police certificate from country of citizenship AND any country lived in for 12+ months in the past 10 years (age 16+)
  • Signed affidavit of no criminal record (sometimes requested, especially if a police certificate is not available for any reason)

3. Proof of Address

  • Utility bill or bank statement (within 3 months)
  • Lease agreement or ownership title (if needed)

4. Financial Documentation

  • Proof of income (e.g., salary slips, business or personal financial statements, tax returns, dividends, or rental income)
  • Bank statements (typically 12 months)
  • Source of funds documentation (company shareholding certificates, sale agreements, inheritance records, etc.)
  • Tax returns (if available)
  • CV/resume for main applicant (to show professional history)

5. Asset Documentation (if relevant)

  • Business ownership documents (e.g., incorporation certificates, company structure)
  • Real estate sale agreements
  • Investment account summaries

6. Declarations & Forms (often provided by agent/lawyer)

  • Government application forms (properly signed and filled)
  • Medical certificate (for all applicants)
  • Notarized consent forms (for minors, if applicable)
  • Passport copies notarized and certified
  • Investment agreement or reservation form for selected real estate
  • Proof of payment of application and due diligence fees

9. Property Ownership Laws in Caribbean

Foreign investors can legally own property in the Caribbean through Citizenship by Investment programs. However, the process is subject to each country’s real estate and foreign ownership laws. In CBI-participating countries that work on the English legal system, ownership rights are well-established and protected by national law. This is particularly the case if the property is purchased through a government-approved project, because these projects have passed through a rigorous approval process and are subject to ongoing monitoring.

Unlike in some regions where foreign buyers face onerous restrictions or leasehold / trust only models, CBI-approved real estate in the Caribbean is typically available on a freehold basis. This means full legal title is granted to the buyer. In most cases, foreign nationals are not required to be residents or citizens to hold real estate, as long as they comply with the investment and due diligence rules of the CBI program.

However, there are important considerations:

  • Government Approval: Only projects officially approved under the CBI framework qualify for citizenship. Not all properties on the open market are eligible, even if they’re luxury or high-end. The notable exception to this rule in St Kitts and Nevis, where buyers may select privately-owned properties.
  • Holding Period: Investors must retain ownership of the property for a minimum number of years (typically 3–7 years), depending on the country. Selling before the end of this period may invalidate citizenship.
  • Resale Rules: Some countries allow CBI properties to be resold to another investor seeking citizenship, while others restrict resale to non-CBI applicants only. Your agent will advise on current requirements.
  • Ownership Structures: Investors should usually purchase in their personal name. Holding via Trusts, LLCs, or holding companies — especially useful for estate planning, liability protection, or tax efficiency – are unfortunately not usually accepted for CBI. There can be certain exceptions on a case by case basis, so be sure to talk to us in advance if this point is important to you.

NTL Trust works closely with qualified attorneys in each jurisdiction to ensure your property purchase is fully compliant, properly structured, and secure under local law.

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10. Can You Earn Rental Income from CBI Real Estate?

Yes, of course! Many government-approved real estate projects under Caribbean citizenship by investment programs are specifically designed to generate passive rental income for investors. These include branded resorts, hotel-condo developments, and managed residences that offer structured rental programs with predictable returns.

Once you’ve completed your citizenship application and taken ownership of the property, you can typically enroll in the property’s rental pool or leaseback program. This allows your unit to be professionally marketed and rented to tourists, business travelers, or long-term guests — with income distributed to you on a quarterly or annual basis.

Key Points:

  • Rental Yields: Most CBI properties offer annual returns between 3% and 6%, depending on the island, occupancy rate, and seasonality. Of course, this may vary and is generally not guaranteed. During the covid pandemic, for example, tourism was paused – but it has since bounced back to exceed 2019 numbers.
  • Hands-Free Management: Properties are usually maintained and rented out by the resort or property developer, with all operational tasks handled on your behalf.
  • Personal Use Restrictions: Some programs place limits on how many weeks per year you can personally occupy the property if it’s enrolled in a rental pool, usually 2 to 6 weeks annually.
  • Tax Considerations: Most Caribbean CBI jurisdictions do not impose income tax on local rental income, but it may still be reportable in your country of residence. US citizens are subject to tax on their worldwide income.

While CBI real estate is primarily purchased to secure second citizenship, the ability to earn stable, hands-free income makes it a smart financial strategy, especially when compared to the donation route, which provides zero return on capital guaranteed!

NTL Trust helps clients evaluate not only the citizenship process, but also the value of a property, brand strength, and long-term viability in the regional tourism market.

Real Estate Investment for Citizenship: ROI Snapshot

Element Details
Minimum Investment Minimum Investment USD 200,000–400,000+ (country and property dependent)
Return on Investment (ROI) 3%–6% average annual rental yield
Rental Income Yes - available through developer-managed programs
Ongoing Costs Property tax (typically <1% annually)

11. Exit Strategy: When and How to Sell Your Caribbean CBI Property

Citizenship by Investment real estate isn’t just a path to a second passport – it’s also a capital-backed asset with a defined exit strategy. While each Caribbean country sets its own rules, all CBI programs require investors to retain ownership of the property for a minimum holding period, typically ranging from 3 to 7 years. After that period, you’re free to sell the property, either to a new CBI applicant (where allowed) or to a general buyer on the open market.

A smart exit strategy begins the day you invest. Choosing the right development, in terms of brand, location, and resale appeal ensures you can preserve capital and potentially profit upon exit.

Key Considerations:

  • Holding Period: Most programs require you to hold the property for 5 years. St. Kitts & Nevis currently requires 7 years for some categories. Dominica requires only 3 years of hold.
  • Resale Eligibility: Some countries (e.g., Antigua, Grenada, Dominica) allow resale to future CBI applicants, while others may limit resale to non-CBI buyers.
  • Market Demand: Branded residences and income-generating resort units typically have stronger resale demand due to their track record and reputation.
  • Transfer of Citizenship: Selling your property does not revoke your citizenship. You retain full rights as a citizen for the rest of your life, even after exiting the investment.
  • Exit Support: NTL Trust works with resale specialists and legal advisors to help you prepare your property for sale, determine market timing, and attract qualified buyers.

Investing in real estate through CBI is a mid-to long-term strategy, but when managed correctly, it can deliver not only second citizenship, but also a successful and secure exit.

12. Can My Children Inherit Caribbean Citizenship and Real Estate?

Citizenship Inheritance

Caribbean citizenship obtained through investment is typically granted for life and, in most cases, can be passed on to future generations. Children born after citizenship is acquired may be eligible to apply for citizenship by descent, depending on the country’s laws. This process is usually straightforward and does not require a new investment, although administrative fees may apply. It’s important to consult with an advisor at NTL Trust to ensure your citizenship status is properly documented for future claims.

Real Estate Inheritance

Real estate purchased under a Caribbean CBI program can be inherited and transferred to family members according to local laws. Most countries in the region do not impose inheritance tax, which makes them attractive for long-term estate planning. Ownership can be passed on through a will, trust, or legal transfer of title. However, inheriting a CBI-approved property does not automatically grant citizenship—beneficiaries would need to qualify separately, either through descent or a new application.

13. Top Mistakes to Avoid When Investing in CBI Real Estate

While Caribbean Citizenship by Investment real estate is a powerful tool for global mobility and wealth protection, it’s not without risk – especially for investors who proceed without guidance. Here are some of the most common mistakes that can delay approvals, reduce returns, or even jeopardize eligibility.

1. Working with Unverified or Unlicensed Agents

CBI is a tightly regulated process, but nonetheless there are many unlicensed brokers who work in a grey area, often through a chain of sub agents. Unauthorized agents can lead to delays, rejections, or financial loss. Always confirm that your advisor is a government-authorized agent with a track record of successful applications. Especially when it comes to real estate, it’s particularly important to work with a company that has boots on the ground in the Caribbean, like NTL Trust. If you are talking to a self-proclaimed CBI advisor who has never even travelled to the Caribbean, be very careful!

2. Choosing Non-Approved Properties

Not all Caribbean real estate qualifies for citizenship. Some buyers mistakenly invest in attractive properties that are not part of a government-approved CBI project – making them ineligible for the program. Only invest in developments explicitly approved by the CBI Unit. Consult NTL Trust and official government websites for full details of authorized developments. Remember, St Kitts and Nevis has an exception to this rule, and we can provide full details.

3. Misunderstanding Holding Period Requirements

To maintain your citizenship and meet program requirements, you must hold the property for a minimum period – usually 3 to 7 years. Selling earlier, even unintentionally, can invalidate your investment and create legal issues.

4. Underestimating Total Costs

Beyond the property price, there are other required costs: government fees, due diligence fees, licensed citizenship agent, property taxes, maintenance, and (if applicable) rental management. Failing to budget for these expenses can affect your liquidity and limit your exit options.

NTL Trust helps clients avoid these common pitfalls through full-service guidance and transparent quotations – from property selection to legal compliance and eventual resale planning.

5. Illegal Discounting Scams

Directly below is a list of the minimum investment requirements. We keep this page up to date, but if you want to be doubly sure, look at the official government websites. Like most things in life, these amounts are likely to increase in future, and very unlikely to decrease. If anyone tells you they can sell you a property for less than the minimum, and still get it pushed through the citizenship process, you are talking to a scammer and you should report them to the respective government CBI unit. Discounting is illegal and if you participate in fraud, your citizenship is likely to be revoked in future even if by some chance it is approved at the beginning. You have been warned! Do not fall for scammers with offers that seem too good to be true!

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Caribbean CBI Snapshot

Country Investment From Processing Time Resale Option Best For
St. Kitts & Nevis US$ 400K–US$ 800K 4–9 months Limited Speed + Stability
St. Lucia US$ 200K–US$ 300K 6–12 months Restricted Balanced Entry + Flexibility
Antigua & Barbuda US$ 200K+ 4–8 months Yes Family Inclusion + Value
Dominica US$ 200K+ 3–9 months Yes Cost Efficiency
Grenada US$ 220K–US$ 350K 5–9 months Yes E-2 Visa Access (USA)

14. FAQ

It’s a legal pathway to second citizenship in select Caribbean countries through the purchase of government-approved real estate. Once you meet the investment criteria, you and your family can obtain passports—often in as little as 3-6 months.

As of 2025, these five Caribbean nations have official Citizenship by Investment programs with real estate options:

  • St. Kitts and Nevis
  • Dominica
  • Antigua and Barbuda
  • Grenada
  • Saint Lucia

Each program has unique benefits and regarding visa-free travel, family inclusion, tax policy, and real estate product availability. Each program is slightly different.

Because it combines asset ownership with global mobility and generational wealth protection. Investors gain:

  • Visa-free access to 140+ countries
  • Tax efficiency (no wealth, inheritance, or capital gains tax)
  • A secure Plan B for geopolitical uncertainty
  • Access to luxury beachfront properties or resort developments
  • Citizenship for the whole family

Most programs require a minimum of USD 200,000, though premium private options (like in St. Kitts) can go as high as USD 400,000–600,000. You must typically hold the property for 5 to 7 years. Of course, these are minimums, but there is no maximum investment. With larger investments, you might be able to qualify multiple families for citizenship.

In most cases, only government-approved real estate is qualified. Common options include:

  • Branded hotel residences
  • Luxury beachfront villas or condos
  • Boutique eco-resorts
  • Fractional ownership units
  • Real estate fund shares
  • Student accommodation

These properties are often built in high-tourism zones and offer resort-style amenities. Owner usage is often possible.

For those wishing to live in the properties, wholly owned apartments and villas are also available.

We say Yes—if chosen wisely. Hundreds of CBI projects exist, but not all are created equal. Look for:

  • Strong developer track records
  • Legal clean title
  • Branded or income-producing assets with a track record.
  • Strong rental demand (especially Nov–May)
  • Exit strategy support after the holding period

NTL Trust performs full due diligence to identify secure, appreciating assets.

Yes. Most properties offer managed rental programs that generate passive income, especially during peak tourism seasons. ROI varies by island and property type but returns of 3–5% annually are common.

Yes, but they’re typically lower than in North America or Europe:

  • Property tax (often <1% of assessed value)
  • HOA or maintenance fees
  • Property insurance
  • Management or rental pool fees

Most CBI jurisdictions offer tax-neutrality: no income, wealth, capital gains, or inheritance taxes.

In most cases, the qualifying investment must be made in full and paid from liquid, traceable funds. In selected high-end properties (USD 1M+), some developers may allow partial financing for non-qualifying amounts.

There is also the possibility of obtaining a loan off-island, for example against your stock or crypto portfolio. This is acceptable, as it is still seen as new money coming into the island. However, the actual CBI investment property cannot be used as security for the loan because that risks the minimum holding period in case of default.

Absolutely. Most CBI programs allow:

  • Spouse
  • Children (usually up to age 25 or 30)
  • Dependent parents or grandparents (typically over age 55–65)
  • In some cases, unmarried siblings or adult children with disabilities

Antigua’s is currently the best CBI program for extended families.

Each additional dependent may involve government fees.

Yes. Caribbean CBI citizenship is lifelong, inheritable, and requires no residency. You’re not obligated to live in or visit the country unless you choose to.

Yes. All Caribbean CBI countries allow dual or multiple citizenships. But some countries—like the Netherlands and Austria—restrict dual nationality. Always check your home country’s policies.

Typical timelines range from 4 to 8 months, though fast-track options may be available, and in some cases the process can take much longer. The timeline depends on:

  • Government processing speed
  • Completeness of documentation
  • Due diligence clearance

It’s important to point out that your agent has no control over how long it takes, beyond making sure that your application is presented complete and in a compliant manner from the beginning. The agent cannot put a timeline in the contract, or commit to processing within a specific timeframe, as that would be illegal. A good dose of patience is required. You can be absolutely sure that eventually you will receive an answer, in writing, from the government you applied to.

Core requirements include:

  • Valid passports
  • Birth/marriage certificates
  • Police background checks
  • Source of funds documentation
  • Proof of address
  • Financial statements

NTL Trust provides white-glove assistance through every step of the paperwork process. Documentation may vary slightly depending on the country you are applying to.

That depends on your goals. Compare:

  • Passport power
  • Real estate analysis
  • Program cost and speed
  • Family inclusivity rules
  • Access to flights or second homes

NTL Trust offers strategic comparisons to align your needs with the right jurisdiction. We can understand your goals and priorities and recommend the best options for you during a short initial online meeting.

  • Donation: Lower upfront cost, no asset ownership, no ROI
  • Real Estate: Higher cost, but includes an appreciating asset + rental potential

Real estate offers dual benefits: a second citizenship and a long-term investment.

After 5–7 years, you can:

  • Sell the property to another investor
  • In some cases, resell to a new CBI applicant who can then apply for their own citizenship.
  • Retain the property and enjoy it yourself or continue earning income

NTL Trust ensures your property has a resale value and realistic exit options.

Yes, there is. It tends to be a bit chaotic, but sometimes you can pick up a good resale deal. When buying, focus on re-sellable, branded, or in-demand properties. NTL Trust guides you to options with the strongest liquidity.

Some countries allow this —as long as the total investment is in approved projects and meets the minimum.

Yes. Especially in Dominica and Nevis, where eco-luxury developments prioritize:

  • Low-impact design
  • Organic living
  • Renewable energy
  • Natural privacy

These properties appeal to wellness-focused and ESG-conscious investors.

Yes. Caribbean passports can help with:

  • Accessing international banking
  • Offshore company formation
  • Wealth diversification
  • Tax planning (depending on your residence status)

Work with legal and financial advisors to structure this process properly. NTL Trust is a full service trust company and can assist you with your holistic wealth structuring and long term planning.

  • Investing in unapproved or low-quality developments
  • Delayed projects or missed timelines
  • Misunderstanding holding period or exit limitations
  • Choosing the wrong structure for your goals
  • Unwittingly participating in illegal discounting schemes.

That’s why successful families rely on NTL Trust for due diligence and guidance.

Book a free consultation with NTL Trust’s CBI real estate team. We’ll:

  • Understand your investment and family goals
  • Present suitable property and country options
  • Explain due diligence steps
  • Manage your application from A to Z

Caribbean real estate differs from North America and Europe. Work with an experienced advisor to ensure:

  • Property valuation and legal clarity
  • Strong rental income and resale potential
  • Clear exit timeline
  • Alignment with personal wealth strategy

NTL Trust, as a full service trust group, is your strategic partner—not just a broker.

  • Real estate assets are inheritable and should be covered by clear legal arrangements (wills or trusts). Real estate is inheritable even if the children are not citizens or do not wish to apply for citizenship. Your children and future generations may inherit citizenship if born after you’ve been granted status.
  • Some programs may require children born after approval to be formally registered for citizenship.
  • 30+ years of experience in CBI
  • Exclusive access to top-tier, approved developments
  • Legal, real estate, and application management in one place
  • Offices across the Caribbean, Canada, and Europe
  • Transparent, strategic, and results-driven

Ready to explore your citizenship-by-investment options?
Schedule a confidential consultation with NTL Trust.

Schedule a consultation

Table of Contents

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