Riviera Maya Real Estate vs Ontario: Where Should Canadians Invest in 2025?

Canadian investors are rethinking where to grow their wealth. As Ontario’s property prices climb and rental restrictions tighten, more are turning to Riviera Maya real estate: a market that offers higher returns, lower taxes, and freedom to rent.

At the Homes in Mexico Real Estate Showcase in Toronto (May 2025), Fernando Córdova and his team presented a clear, data-driven comparison.

The takeaway?

For Canadians with around $300,000 CAD to invest, Riviera Maya real estate is the smarter, more profitable choice.

👉🏻 Read: 5 Key Lessons on Mexico Real Estate Investment for Canadians

Investing $300K CAD: Ontario vs Riviera Maya

Option 1: Invest in Ontario ❄️

With $300,000 CAD, your options are limited.

• What you get: 1-bedroom condo on the outskirts of Toronto
• Average ROI: ~4%
• Property taxes: $2,024.40/year
• Rental limitations: Only principal residences allowed for short-term rentals in cities like Toronto
• Management costs: High
• Exit strategy: Slow appreciation, competitive resale market

Option 2: Invest in Riviera Maya Real Estate 🌴

With the same $300,000 CAD:

• What you get: 2-bedroom luxury condo steps from the beach
• Average ROI: 8–12% (Vacation rentals + capital gains)
• Property taxes: ~$600 CAD/year
• Rental freedom: Full flexibility (short- or long-term), Airbnb-friendly
• Management: Turnkey services available
• Exit strategy: 30–40% appreciation possible before completion if you buy pre-construction

When comparing the two, the numbers (and flexibility) overwhelmingly favor Riviera Maya real estate.

Financing Your Dream Property Has Never Been Easier

One of the biggest barriers for Canadian investors when looking abroad is financing.

The good news? Mexico Mortgage Hub makes it surprisingly simple.

Whether you’re buying a beachfront condo for personal use or as an income-generating rental, this trusted mortgage partner specializes in helping international buyers get access to flexible financing options in Mexico.

Why Work with Mexico Mortgage Hub?

• Loans available for foreigners (Canadians, Americans, Europeans)
• Up to 85% loan-to-value for salaried investors, and 65% for self-employed
• Pre-approval in as little as 48 hours
• Support in English, French, and Spanish
• Get paid in USD from your rentals, while financing in Mexican pesos
• Legal, compliant, and fully operational with Mexico’s top developers

“We’re not just offering mortgages. We’re unlocking investment opportunities for Canadians who thought this market was out of reach.”
— Mexico Mortgage Hub Team

Let your money work smarter, not harder, with financing designed for foreign investors just like you.

Ontario Real Estate in 2025: Diminishing Returns

Ontario has seen a 45% price increase in the last 5 years, pushing the average Toronto property to $1.23M CAD. But high prices haven’t translated to high income. In fact, the average ROI is just 3.2%.

Stricter laws limit short-term rentals, especially in urban centers. Investors can only rent out their principal residence through platforms like Airbnb in Toronto. Add in high maintenance and property tax costs, and your returns shrink quickly.

The Riviera Maya is Mexico’s fastest-growing region, and it’s not just because of the beaches.

1. High Demand, Year-Round

Thanks to its tropical climate, Riviera Maya real estate offers steady rental demand all year long. Unlike Canada’s seasonal tourism, Mexico draws visitors every month.

2. Better Value for Money

• Properties cost 30–50% less than in Canada
• Favorable 15:1 peso-to-dollar exchange rate
• Property taxes as low as $600 CAD/year
• ROI between 8–12%, with strong Airbnb potential

3. Infrastructure = Appreciation

With $10B in infrastructure investments, including the Maya Train and new Tulum International Airport, demand in the region is accelerating.

Investors near train stations may see a 25% property value increase. Pre-construction units typically appreciate 30–40% before delivery.

Properties near train stations may appreciate by up to 25%, making pre-construction investments especially attractive.

👉🏻 Learn more: Why Tourists Are Investing in Mexican Caribbean Real Estate

Vacation Use + Passive Income

One major benefit of Riviera Maya real estate is dual use. Investors can vacation during off-seasons and rent out the property the rest of the year.

That flexibility simply doesn’t exist in Ontario’s tightly regulated environment.

Foreign Ownership Made Easy

Can Canadians legally own property in Mexico?

Yes. And it’s simpler than many think:

• Foreigners can buy through a fideicomiso (bank trust) or Mexican corporation
• Stays of up to 180 days allowed on a tourist visa
• Easy path to temporary or permanent residency
• Income in USD, legally reported and deposited
• Access to turnkey rental services for passive income

Let the experts from Mexico Mortgage Hub assist you with proven financial products and professional advice for international investors.

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Quick Comparison: Ontario vs Riviera Maya

Feature	Ontario	Riviera Maya
📈 ROI	~3.2–4%	~8–12%
💸 Property Taxes	$2,024.40 CAD/year	~$600 CAD/year
💳 Purchase Power ($300K CAD)	1-bed condo (outskirts)	2-bed luxury condo (near beach)
🏡 Short-Term Rental	Restricted	Allowed
🌤️ Climate	Seasonal	Year-round
🚀 Capital Growth	Slowing	High (esp. pre-construction)
💱 Income Currency	CAD	USD

Hot Investment Zones in the Riviera Maya

As of 2025, the Riviera Maya includes emerging hotspots that savvy investors are targeting:

Each area offers something different, but all share Mexico’s investor-friendly framework and the lifestyle perks that make this region stand out.

Press Coverage: Why Riviera Maya Real Estate Continues to Shine

Here’s what major news and industry publications are reporting recently about the Riviera Maya real estate boom:

1. Record-breaking Demand & Global Investment

According to Colibri Property, the Riviera Maya continues to outpace other markets in 2025:

“Despite rising prices, Riviera Maya real estate remains more affordable than comparable destinations in the U.S. or Europe. … strong rental returns (averaging 7–9%)”

This backs up our 8–12% ROI range and reinforces its appeal over Ontario.

2. Tourism Surge & Infrastructure Support

Analysts report strong tourism and growing development:

• Reports show that occupancy rates in Playa del Carmen and Cancun often exceed 80% during peak season, significantly boosting property yields (thelatinvestor.com).
• The Maya Train is already elevating travel across the region. Tulum Times highlights that sections of the train connecting Playa del Carmen, Tulum, and Tulum Airport “represent a game-changing development” for real estate accessibility (mycasa.mx).

3. Luxury Market Transformation

As noted by Barron’s, the Riviera Maya has shifted from a spring-break destination to a high-end resort region:

“Recent developments include high-end hotel openings… The Riviera Maya now caters to affluent travelers seeking sophisticated and tranquil escapes”

This evolution supports rising property values in luxury segments, just as we predicted in our lifestyle and ROI assessment.

Why This Matters for Canadian Investors:

• Sustained demand → High occupancy = stable returns (7–9% or more)
• Infrastructure improvements (Maya Train, airport expansion) driving both rentals and capital gains
• Premium positioning → Luxury hotels and affluent tourists are lifting market quality and prices

Final Take: Let Your Investment Work Harder

If your goal is ROI, freedom, and lifestyle, Riviera Maya real estate makes more sense than ever.

Ontario’s market is expensive, taxed heavily, and regulated. Riviera Maya is affordable, flexible, and profitable. Not to mention beautiful.

In 2025, the better question isn’t “Should I invest in Mexico?” It’s “Why haven’t I already?”

Take the Next Step

Ready to explore real opportunities in Riviera Maya real estate?

👉 Connect with experts at Homes in Mexico to view listings, meet developers, and learn how to get started.