Imagine owning a modern penthouse with mountain views in Medellín for the price of a parking space in Geneva. While your compatriots are fighting over 800,000-franc studios in saturated Swiss cities, you could be generating an 8-12% rental yield with a spectacular Colombian property for a fraction of that price. Too good to be true?

Not at all. And certainly not if you discover how to intelligently navigate this fascinating emerging market with the right partners by your side.

Colombia is becoming the preferred destination for savvy Swiss investors looking to diversify their real estate portfolio beyond Swiss borders. With Brymmo, discover how to transform this little-known opportunity into a profitable and secure investment. This comprehensive guide reveals everything a Swiss investor needs to know before taking the plunge.

Why Colombia? The Reasons Behind a Growing Real Estate Craze

Colombia is no longer the country of the 90s that many still imagine through outdated clichés. Today, it is one of the most dynamic and stable economies in Latin America, with a booming middle class and cities like Bogotá, Medellín, Cartagena, and Cali that now rival European capitals in terms of quality of life, infrastructure, and economic opportunities.

For a Swiss investor accustomed to the modest yields of the Swiss market, the Colombian figures are simply impressive. While a rental yield of 3-4% is considered excellent in Switzerland (and often difficult to achieve in major cities), Colombia regularly offers yields between 8% and 12% on quality properties in sought-after neighborhoods. The cost of living is approximately 35-40% of that in Switzerland, meaning your real estate purchasing power is literally doubled or even tripled.

But beyond the dream-like figures, it is the deep and lasting transformation of the country that makes investment so attractive in the long term. Colombia has invested heavily in its transport infrastructure (metros, urban cable cars, roads), public safety (spectacular reduction in crime in major cities), its education system, and its attractiveness to international companies. The result? A young population (median age of 31), educated, entrepreneurial, and increasingly connected to the world, fueling constant and growing rental demand.

The country has also become a technological and creative hub in Latin America. Medellín was voted the “world’s most innovative city” in 2013 by the Urban Land Institute, ahead of New York and Tel Aviv. Bogotá attracts thousands of digital nomads every year. Cartagena remains a premium tourist destination generating exceptional seasonal rental income. This geographical and economic diversity allows Swiss investors to choose their strategy based on their objectives.

But there is one question you must ask yourself: are you ready to step out of your comfort zone to multiply your real estate assets?

The Story of Marc and Sophie: From Lausanne to Medellín, an Investment That Changes Everything

Marc and Sophie, an IT consultant and an interior designer respectively, both in their forties and based in Lausanne, had been looking to invest in real estate for years. With their combined savings of 180,000 francs, their options in Switzerland were cruelly limited: perhaps a 35m² studio in a remote region like the Jura, a share in a condominium with exorbitant monthly charges, or a property requiring major renovations.

“We were looking at real estate ads every weekend with a growing sense of discouragement,” says Sophie. “Prices were rising faster than our ability to save. We felt like we were chasing a train that was constantly accelerating.”

In 2022, during a conference on international real estate investment in Zurich, they discovered the potential of the Colombian market. Intrigued but cautious, they contacted me to seriously explore this alternative. What immediately struck them was the professionalism and transparency of the approach.

“Brymmo didn’t sell us a dream,” explains Marc. “They presented the opportunities, but also the challenges, risks, and peculiarities of the Colombian market. This honesty gave us confidence.”

After three months of guided research, video conferences with local notaries, and an on-site visit organized by the Colombia team and Brymmo, Marc and Sophie acquired an 85m² two-bedroom apartment with a terrace in the trendy El Poblado neighborhood of Médellin. The apartment, located in a modern 2019 building, features panoramic valley views, a heated communal pool, an equipped gym, a coworking space, and 24/7 security. All for 145,000 francs.

“For the same price in Switzerland, we might have gotten a double garage,” Sophie jokes.

Today, three years later, Marc and Sophie rent their property for 1,300 USD per month (about 1,140 CHF) to expats working for multinationals based in Medellín. After condominium fees (about 180 USD), property taxes (relatively low in Colombia), insurance, and rental management fees entrusted to a local partner recommended by Brymmo, their net yield stands at 9.4% annually.

“What really convinced me, beyond the numbers, was the professional support at every stage,” emphasizes Marc. “From finding the property to renting it out and day-to-day management, everything was handled with the Swiss rigor and precision we were looking for, but with the local knowledge and essential connections you can’t have as a foreigner. Jonathan truly bridged the gap between our two cultures.”

Their property has also increased in value. Similar apartments in their building now sell for between 165,000 and 175,000 USD, representing an appreciation of 15-20% in two years. Marc and Sophie are now considering acquiring a second property, this time in Cartagena, to take advantage of the high-end tourist rental market.

The 10 Essential Steps to Buying an Investment Property in Colombia from Switzerland

Buying real estate in Colombia requires meticulous preparation and a rigorous methodology. Here are the key steps Brymmo recommends to secure your investment and avoid common pitfalls:

1. Define Your Real Estate Investment Strategy

Before looking at a single property, clarify your goals. Short-term rental for tourists via Airbnb? Medium-term rental for digital nomads? Long-term rental for local professionals? Resale after renovation (fix and flip)? Each strategy involves different cities, different neighborhoods, and different types of properties.

Brymmo and its partners help you define this strategy based on your budget, risk tolerance, investment horizon, and the time you can devote to management. For example, tourist rentals in Cartagena generate high income but require active management, while a long-term rental apartment in Bogotá requires less intervention but offers greater stability and predictability.

2. Understand the Colombian Legal and Tax Framework

Colombia allows foreigners to buy real estate without particular restrictions in most urban areas. However, some border zones have limitations. Transactions are generally conducted in Colombian pesos (COP) or US dollars (USD), depending on the seller’s preference.

On the tax side, you will pay an annual property tax (predial) that varies according to the cadastral value of the property (generally between 0.3% and 1% of the value), a tax on rental income (35% withholding tax on gross income for non-residents, unless you set up a local structure), and potentially a capital gains tax upon resale (10% of the net capital gain after cost deductions).

Brymmo works with tax specialists specializing in cross-border investment to optimize your tax structure, often by creating a Colombian SAS (simplified joint-stock company) which allows you to significantly reduce taxation on rental income and facilitate daily management.

3. Open a Colombian Bank Account

Essential for real estate transactions and receiving rent. Some Colombian banks like Bancolombia, Banco de Bogotá, or Davivienda accept non-residents, but the procedure can take 4-8 weeks and requires specific documents (passport, proof of address, Swiss bank reference letter, sometimes a Colombian RUT).

Brymmo facilitates this process by putting you in touch with the right banking contacts and providing a precise list of necessary documents, translated and apostilled if required.

4. Hire the Right Local Professionals

Legal due diligence is absolutely crucial in Colombia. Your lawyer will verify that the property title is clear (certificado de libertad y tradición), that there are no debts associated with the property (utilities, condo fees, taxes), that building permits were in order, and that the seller has the right to sell.

A Colombian notary (notario) will oversee the transaction and record the deed of sale with the registration office (Oficina de Registro de Instrumentos Públicos). Unlike Swiss notaries, Colombian notaries are public officials who play an authentication role but do not provide legal advice.

Brymmo has developed a network of verified and proven professionals (bilingual lawyers, notaries, accountants, property managers) who regularly work with Swiss investors and understand your expectations for rigor and transparency.

5. Conduct a Scouting Trip (Essential!)

Even though digital tools allow for much research to be done remotely, we strongly recommend an on-site visit before buying. This allows you to visit several properties, feel the neighborhood’s atmosphere at different times of the day, meet the local professionals who will manage your investment, and familiarize yourself with the city.

Brymmo organizes tailor-made scouting trips upon request, with a program including visits to properties pre-selected according to your criteria, meetings with local partners, neighborhood tours, and even moments to discover the local culture (essential for understanding the market and your future tenants).

6. Negotiate and Reserve the Property

The Colombian market is generally more negotiable than the Swiss market. Reductions of 5-15% off the asking price are common, particularly if the seller is in a hurry or if the property has been on the market for several months.

Once an agreement in principle is reached, you will sign a promise of sale (promesa de compraventa) accompanied by a deposit (generally 10-30% of the price). This document, if correctly drafted by your lawyer, is legally binding for both parties.

7. Organize Financing and Fund Transfer

Most Swiss investors buy cash in Colombia because local financing for foreigners is complex and expensive (interest rates of 10-15%). If you need financing, it is generally more advantageous to obtain a mortgage in Switzerland and transfer the funds; however, this will depend on your financial institution and your funds.

The international transfer of large amounts requires special attention. You will need to declare the source of funds and the purpose of the transfer. Colombian banks are strict about anti-money laundering. Brymmo guides you on the best transfer methods (classic international bank transfer, specialized services like Wise for smaller amounts, etc.) and on the supporting documents to prepare.

8. Finalize the Purchase at the Notary

The final signature takes place at the notary’s office in the presence of the buyer (or their representative with a power of attorney), the seller, and usually the lawyers for both parties. The notary verifies identity, reads the deed of sale, collects the payment (often by cashier’s check), and immediately records the transaction.

You can attend in person or give power of attorney to your lawyer. Notary fees in Colombia are relatively low (about 0.3-0.5% of the sale price) and are generally shared between buyer and seller.

9. Set Up Rental Management

Unless you live in Colombia (which is not the case for most Swiss investors), you will need a reliable local property manager. This person or company will handle tenant search, contract drafting, rent collection, supervision of minor maintenance work, and communication with the homeowners’ association.

Management fees generally vary between 8% and 12% of the monthly rent, plus one month’s rent upon signing a new long-term contract. For short-term tourist rentals, fees are higher (15-25%) because management is more intensive.

Brymmo has selected property management partners in major Colombian cities who work to international standards and provide detailed, transparent monthly reports.

10. Optimize and Grow Your Portfolio

Once your first investment is stabilized and profitable, you can consider reinvesting rental income into a second property, refinancing to extract capital (if you decide to create a local structure allowing access to credit), or selling with a capital gain to invest in a higher-value property.

Brymmo’s approach is not to sell you a single property, but to build a coherent and evolving international real estate investment strategy with you over the long term.

Where to Invest in Colombia? The Guide to the Best Cities for Swiss Investors

Colombia is a geographically and economically diverse country. Each major city has its own characteristics, advantages, and challenges. Here is a detailed guide to the preferred destinations for investors working with Brymmo:

Medellín: The City of Eternal Spring and Innovation

Profile: Colombia’s second-largest city with 2.5 million inhabitants, Medellín is renowned for its perfect year-round climate (temperatures between 18-28°C), its spectacular urban transformation, and its dynamic entrepreneurial ecosystem. It is the preferred city for digital nomads and expats in Latin America.

Recommended Neighborhoods for Investment:

• El Poblado: The most sought-after, modern, and secure neighborhood. Excellent for medium/long-term rental to expats. Price: 2,000-3,500 USD/m².
• Laureles: More authentic and slightly cheaper. Popular with young Colombian professionals. Price: 1,500-2,500 USD/m².
• Envigado: Chic suburb to the south, very family-oriented. Price: 1,400-2,300 USD/m².

Typical yields: 8-11% net for long-term rental to professionals or expats. Short-term rental can generate up to 12-15% but with more volatility and management.

Strengths: Ideal climate, high quality of life, modern infrastructure (metro, cable cars), large expat community, stable rental market.

Points to note: Rapidly increasing prices in El Poblado, possible saturation of the Airbnb market.

Bogotá: The Economic and Political Capital

Profile: Capital and largest city in Colombia with 8 million inhabitants. The country’s economic, financial, and political center. Cooler climate (altitude of 2,600m, temperatures between 8-20°C). The most mature and liquid real estate market.

Recommended Neighborhoods for Investment:

• Chapinero Alto: Bohemian, cultural, close to universities. Excellent for renting to international students and young professionals. Price: 1,800-3,000 USD/m².
• Zona G and Zona T (Usaquén): High-end gastronomic and business areas. Price: 2,500-4,000 USD/m².
• Santa Bárbara: Residential and family-oriented, excellent for long-term rental. Price: 1,500-2,500 USD/m².

Typical yields: 7-10% net. Bogotá offers more stability but slightly lower yields than Medellín.

Strengths: Most liquid market (easier to resell), very stable rental demand thanks to a diversified economy, strong presence of multinationals.

Points to note: Climate less attractive for some investors, heavy traffic, altitude can be an adaptation challenge.

Cartagena: The Tourist Jewel of the Caribbean Coast

Profile: Historic coastal city of 1 million inhabitants, a UNESCO World Heritage site. Premium international tourist destination. Hot and humid tropical climate year-round.

Recommended Zones for Investment:

• Bocagrande: Modern beachfront, residential towers. Ideal for tourist rental. Price: 1,800-3,500 USD/m².
• Getsemaní: Historic neighborhood undergoing gentrification. High appreciation potential. Price: 2,000-4,000 USD/m².
• Morros: High-end residential area to the north. Price: 2,500-5,000 USD/m².

Typical yields: 10-18% gross for short-term tourist rental (but with significant seasonality and high management fees). 7-9% for long-term rental.

Strengths: Solid international tourist market, high rental income in high season, strong appreciation potential thanks to growing tourism.

Points to note: Marked seasonality (high season December-March), more complex management, heat and humidity may limit attractiveness for long-term rental to locals.

Cali: The Capital of Salsa and Industry

Profile: Colombia’s third-largest city with 2.2 million inhabitants. Important industrial and agricultural center. Tropical climate more affordable than Cartagena. Real estate market still undervalued.

Recommended Neighborhoods:

• Granada: Trendy neighborhood with restaurants and nightlife. Price: 1,200-2,200 USD/m².
• Ciudad Jardín: Modern and family-oriented residential area. Price: 1,400-2,400 USD/m².
• El Peñón: Secure high-end area. Price: 1,800-3,200 USD/m².

Typical yields: 9-13% net. Cali offers lower entry prices with excellent yields.

Strengths: Attractive prices, market still developing hence high appreciation potential, stable industrial economy.

Points to note: Less expat demand than Medellín or Bogotá, less favorable safety perception (although the situation is improving).

Santa Marta and the North Coast: The Next Hotspot?

Coastal city less developed than Cartagena but with enormous potential. Proximity to Tayrona Park (a major ecotourism destination). Very attractive entry prices (1,000-2,000 USD/m²). More speculative investment but with the possibility of exceptional yields and appreciation if the area develops as planned.

Economic and Social Context: Why Colombia is a Safe Long-Term Bet

Beyond attractive rental yields, understanding Colombia’s economic and social fundamentals is essential for investing with confidence over the long term.

A Diversified and Resilient Economy

The Colombian economy no longer depends exclusively on coffee, oil, or a single resource. The country has successfully diversified into services (70% of GDP), manufacturing, tourism, technology, and agribusiness. This diversification makes the economy more resilient to external shocks.

Colombian GDP has grown by an average of 3-4% per year over the last decade, a solid performance for an emerging country. The middle class now represents nearly 40% of the population, compared to 20% twenty years ago. This expanding middle class is precisely the engine of rental demand that interests investors.

Political Stability and Rule of Law

Colombia is a stable presidential democracy with solid institutions. Despite historical challenges, the country has built a respected rule of law in Latin America. Political transitions occur peacefully, contracts are generally respected, and the judicial system, while imperfect, functions.

The 2016 peace agreements with the FARC marked a historic turning point, freeing up vast territories for economic and tourist development. Of course, security challenges remain in some rural areas, but the major cities where Swiss investors invest via Brymmo are safe and stable.

Favorable Demographics

With a population of 51 million and a median age of 31, Colombia benefits from young and dynamic demographics. This young population is increasingly educated (university enrollment has doubled in 15 years), bilingual (English is taught from primary school), and entrepreneurial.

This demography contrasts sharply with aging Switzerland (median age of 43) and creates a growing structural demand for modern, well-located housing—exactly the type of properties Swiss investors target.

Infrastructure Undergoing Modernization

The Colombian government has launched an ambitious infrastructure modernization program: new metro lines in Bogotá, extension of the Medellín metro, road and airport improvements, and 5G telecommunications development. These massive public investments increase the country’s attractiveness and enhance the value of real estate located near new transport hubs.

Advantageous Real Estate Taxation

Compared to Switzerland or France, Colombian real estate taxation remains light for foreign investors, especially if you create an optimized local structure. Annual property taxes are low (0.3-1% of cadastral value), and with good tax advice, taxation on rental income can be kept at reasonable levels (15-20% effective for a local SAS, compared to 35% withholding tax for non-resident individuals).

FAQ: Your Most Frequently Asked Questions About Real Estate Investment in Colombia

Is it safe to invest in Colombia as a foreigner?

Yes, Colombia legally protects the property rights of foreigners exactly like those of nationals. Once your property is registered at the public registration office, your ownership is guaranteed by the Colombian state. Thousands of Americans, Europeans, and Canadians own property in Colombia without issue. The key is to work with competent professionals for initial legal due diligence, which is precisely what Brymmo provides.

Do I need a visa to buy real estate?

No, you do not need any visa or residence permit to buy property in Colombia. You can buy with a simple tourist visa. However, if you plan to spend a lot of time in Colombia managing your investments, an investor visa may be worthwhile and is relatively easy to obtain if you invest more than 650 legal monthly minimum wages (about 200,000 USD).

How is rental income taxed for a Swiss investor?

This is a complex question that requires personalized tax advice. In principle:

• In Colombia: 35% withholding tax on gross income if you rent as a non-resident individual, or 15-25% tax on net profits if you create a Colombian SAS (recommended structure).
• In Switzerland: Foreign rental income must be declared in Switzerland and may be taxed according to your canton of residence. However, the double taxation treaty between Switzerland and Colombia generally allows you to avoid full double taxation by deducting the tax paid in Colombia from your Swiss tax.

Brymmo works with cross-border tax specialists who optimize your structure to legally minimize the overall tax burden.

Can I get a mortgage in Colombia as a non-resident?

Theoretically yes, but it is difficult and generally not advantageous. Colombian banks rarely lend to non-residents without local income, and interest rates are high (currently 10-15%). Most Swiss investors buy cash or use a Swiss mortgage to finance their Colombian purchase, which offers much more attractive rates (1.5-3%).

What happens if my tenant doesn’t pay?

Lease agreements in Colombia are generally solid and protect the landlord. Most rentals include a security deposit equivalent to one month’s rent, and some landlords require additional security (fiador or rent default insurance). In case of persistent non-payment, the eviction procedure can take 2-4 months, which is actually faster than in some Swiss cantons.

This is why rigorous tenant selection by your property manager is crucial. Partners recommended by Brymmo have strict screening processes including verification of income, background, and references.

Isn’t the language barrier a major problem?

Less than you might think. In major Colombian cities and particularly in neighborhoods where foreigners invest, many professionals speak English. Furthermore, Brymmo provides bilingual support (French/Spanish) at all stages of the process. Your key contacts (lawyer, property manager, accountant) are selected for their ability to communicate effectively with French or English-speaking clients.

For daily management, your local property manager handles all communications in Spanish with tenants, the homeowners’ association, and service providers, and sends you reports in French or English.

What is the typical duration of a lease agreement in Colombia?

Long-term lease agreements in Colombia generally have an initial duration of one year, tacitly renewable. Rent can be indexed annually according to inflation (IPC – Índice de Precios al Consumidor). For short-term tourist rentals, durations obviously vary from a few nights to a few weeks.

Can I sell my property easily if I want to exit my investment?

The liquidity of the Colombian real estate market varies by city and price segment. In Bogotá and Medellín, in sought-after neighborhoods and for well-maintained properties at market price, a property generally sells in 3-6 months. In Cartagena and smaller markets, it may take a bit longer (6-12 months).

The key is to buy at the right price initially and maintain your property well. Brymmo can also help you resell using its network of potential buyers and local real estate partners.

Are there hidden fees I should be aware of?

The main costs to anticipate beyond the purchase price are:

• Notary and registration fees: 0.5-1% of the sale price
• Legal fees: 1-2% of the sale price for full due diligence
• Monthly condo fees: 100-300 USD depending on the building’s standing and included services
• Annual property tax (predial): 0.3-1% of the cadastral value
• Home insurance: 100-300 USD per year
• Rental management fees: 8-12% of the monthly rent + one month’s rent upon signing a new contract

Brymmo and its partners can provide a detailed and transparent estimate of all costs associated with your investment from the start.

Should I create a company in Colombia or buy in my own name?

This depends on your situation and goals. Buying in your own name is simpler and less expensive initially but exposes you to higher taxation on rental income (35% withholding tax). Creating a Colombian SAS (Sociedad por Acciones Simplificada) costs about 1,500-2,500 USD including legal fees, and allows for reduced taxation on profits (15-25%), more management flexibility, and better asset protection.

For investments over 100,000 USD with long-term rental intent, creating an SAS is generally recommended and pays for itself quickly through tax savings. Brymmo analyzes your specific situation and recommends the optimal structure.

Pitfalls to Avoid: What Every Swiss Investor Needs to Know

Investing internationally involves specific risks. Here are the most common mistakes made by foreign investors in Colombia, and how to avoid them with Brymmo:

Pitfall #1: Buying Without Thorough Legal Due Diligence

The mistake: Trusting the seller or a local real estate agent without independent verification. Some properties may have title issues, hidden debts, or illegal constructions.

The Brymmo solution: Comprehensive due diligence including verification of the certificado de libertad y tradición (full property history), debt search with utilities and the homeowners’ association, verification that building permits were in order, and an examination by an independent lawyer recommended by Brymmo.

Pitfall #2: Underestimating Condo Fees

The mistake: Focusing solely on the purchase price and potential rent without carefully analyzing monthly condo fees. Some high-end buildings have fees of 300-400 USD per month that significantly eat into your yield.

The Brymmo solution: Systematic analysis of the Total Cost of Ownership (TCO) including all recurring charges, to calculate the real net yield and ensure the investment remains attractive after all costs.

Pitfall #3: Choosing the Wrong Neighborhood Due to Lack of Local Knowledge

The mistake: Buying in a neighborhood that looks promising on paper but lacks real rental demand, or has safety or accessibility issues not apparent to a foreigner.

The Brymmo solution: In-depth local expertise of each neighborhood, including analysis of real rental demand (not just theoretical), price trends, safety, access to transport, shops, and services. Brymmo only recommends neighborhoods where the team has direct experience and solid local connections.

Pitfall #4: Neglecting Professional Rental Management

The mistake: Thinking you can manage your property remotely from Switzerland with a few email exchanges, or entrusting management to an acquaintance without professional experience. This usually ends in a nightmare: problematic tenants, unmanaged defaults, neglected maintenance, tax issues.

The Brymmo solution: Setting up professional rental management from the start with verified partners who provide transparent monthly reports, manage problems proactively, and protect your investment over the long term.

Pitfall #5: Ignoring Tax Optimization

The mistake: Buying in your own name without an optimized tax structure, thus losing 15-20% of annual yield in unnecessary taxes.

The Brymmo solution: Tax advice from the start to set up the most efficient structure for your situation, including the potential creation of a Colombian SAS and coordination with your Swiss tax return to avoid double taxation.

Pitfall #6: Falling in love with a property (or a person…) for the wrong reasons

The mistake: Buying a property because it’s beautiful and you imagine it for your own vacations, rather than coldly analyzing its rental potential and yield. Real estate investment is not emotional real estate.

The Brymmo solution: An analytical and objective approach based on real market data. Brymmo helps you distinguish your personal desires from what constitutes a good rental investment, while finding properties that can potentially satisfy both objectives.

Pitfall #7: Underestimating exchange rate risk

The mistake: Not considering that your rental income will be in Colombian pesos (COP) or US dollars (USD), while your expenses and life are in Swiss francs. A depreciation of the peso or dollar can affect your yield expressed in CHF.

The Brymmo solution: For investors concerned about exchange rate risk, Brymmo recommends prioritizing properties where rents can be set in USD (common in the high-end segment rented to expats) and adopting a long-term vision where short-term fluctuations offset each other. The 8-12% yield also offers a substantial safety margin even in the event of moderate depreciation.

How Brymmo makes a difference: Our unique approach

What sets Brymmo apart from a simple real estate agency or an online listing site is our holistic approach and our long-term commitment to Swiss investors.

A bridge between two cultures

Brymmo deeply understands the Swiss mindset: the need for rigor, transparency, punctuality, clear processes, and proactive communication. But we also have local Colombian expertise: the connections, the understanding of cultural and administrative subtleties, and the ability to navigate a sometimes informal system.

We literally serve as a bridge between these two worlds, translating not only the language but also expectations, practices, and standards.

Network of verified professionals

Brymmo has spent years building and testing a network of reliable local professionals: lawyers specializing in international real estate, accountants and tax experts in cross-border structuring, property managers with international standards, efficient notaries, and local real estate agents who know their market perfectly.

This network is our most valuable asset, and we guard it jealously. We only work with partners who have proven their professionalism, integrity, and ability to meet the requirements of our Swiss clients.

End-to-end support and beyond

Our service doesn’t stop at the signing of the deed of sale. We stay by your side for the rental process, supervision of rental management, recurring tax questions, maintenance work, and even eventual resale. Some of our first partners now own 3-4 properties in Colombia and consider us their strategic partner for their international portfolio.

Total Transparency on costs and yields

We don’t promise you unrealistic yields of 20-30% or doubling of value in two years. We present you with honest market analyses, conservative yield estimates (which we generally exceed), and total transparency on all associated costs.

Our reputation is built on the long-term satisfaction of our clients, not on quick sales followed by disappointment.

Continuous training and market updates

The Colombian real estate market is constantly evolving. Brymmo provides its clients with updates on market trends, regulatory changes, new opportunities, and management best practices.

Comparison: Investing in Colombia vs. investing in Switzerland, France, or Portugal

To put things in perspective, let’s quickly compare real estate investment in Colombia with other popular destinations for Swiss investors:

Colombia vs. Switzerland

Price: A quality apartment in Colombia costs $1,500-$3,000/m² compared to 10,000-20,000 CHF/m² in urban Switzerland.

Rental yield: 8-12% in Colombia vs. 2-4% in Switzerland.

Capital appreciation: Potentially higher in Colombia (emerging markets) but with more volatility. Switzerland is very stable but has slow growth.

Ease of management: Simpler in Switzerland (proximity, language, culture), but remote management in Colombia is entirely feasible with the right partners.

Taxation: Comparable if well-structured, slightly more advantageous in Colombia.

Verdict: To maximize yield with limited capital, Colombia wins. For absolute stability and proximity, Switzerland wins.

Colombia vs. France

Price: Comparable depending on the city (Paris/Lyon are expensive, French provinces and Colombia are similar).

Rental yield: Slightly higher in Colombia (8-12%) vs. France (4-7%).

Taxation: Much more favorable in Colombia. France has heavy real estate taxation for non-residents.

Appreciation potential: Probably comparable.

Cultural and linguistic barrier: Lower in France for French-speaking Swiss.

Verdict: For French-speaking Swiss, France remains attractive due to its cultural proximity, but Colombia offers better yields and lighter taxation.

Colombia vs. Portugal

Price: Portugal is now quite expensive (Lisbon, Porto €3,000-€5,000/m²) vs. Colombia ($1,500-$3,000/m²).

Rental yield: Colombia is higher (8-12%) vs. Portugal (4-6%).

Visa and residency: Portugal offers attractive golden visa programs. Colombia does too, but they are less structured.

Security and stability: Portugal is perceived as safer (EU). Colombia is catching up quickly.

Climate and quality of life: Excellent in both cases, personal preferences.

Verdict: Portugal suits investors also looking for European residency. Colombia suits investors focused purely on yield.

Colombian Real Estate Market Trends for 2025-2027

To invest intelligently, you need to understand where the market is going, not just where it is today. Here are the major trends identified by Brymmo that will shape the market in the years to come:

The explosion of remote work and digital nomads

The COVID-19 pandemic accelerated a movement already underway: millions of professionals can now work from anywhere. Colombia, with its North American-compatible time zone, excellent internet infrastructure, attractive cost of living, and high quality of life, has become a destination of choice.

Medellín in particular attracts an estimated 30,000-50,000 digital nomads per year. This population looks for modern, furnished rentals with high-speed internet in safe and lively neighborhoods. This is exactly the type of property that investors target through Brymmo.

This trend is not a passing fad. Remote work is now embedded in the corporate culture of many multinationals. Demand will continue to grow.

Accelerated urbanization

70% of Colombians already live in urban areas, but this percentage continues to increase. Young people from rural areas are flocking to major cities for education and employment. This urbanization fuels the demand for housing in the cities where Brymmo operates.

The professionalization of the rental market

The Colombian rental market is professionalizing rapidly with the arrival of rental management platforms, online payment systems, and higher service standards. This professionalization makes the market more transparent and more accessible to foreign investors.

The development of ecotourism and luxury tourism

Beyond Cartagena, new destinations are emerging: the coffee region (Eje Cafetero), Santa Marta and Tayrona Park, the Llanos (plains), and the Pacific. These regions attract high-end, responsible tourism looking for authentic experiences. These are interesting investment opportunities for investors ready to go off the beaten path.

Energy transition and green real estate

Colombia is investing heavily in renewable energy. Properties with solar panels, rainwater harvesting, and environmental certifications are starting to command significant premiums. Brymmo anticipates this trend by identifying sustainable development projects.

The move upmarket of the middle segment

The Colombian middle class is becoming wealthier and its requirements are increasing: coworking spaces in buildings, equipped gyms, green spaces, 24/7 security, smart homes. Buildings offering these services command premium rents and rent out faster.

Practical aspects: Living in or visiting your investment

One of the advantages of real estate investment in Colombia is that, unlike an abstract financial investment, you can personally enjoy your property during your vacations or even consider spending part of the year there.

Visas and stays in Colombia

Swiss citizens can enter Colombia without a visa for tourist stays of up to 90 days (renewable once for an additional 90 days). If you wish to spend more time there, several options are available to you:

Investor resident visa: If you invest more than 650 legal monthly minimum wages (approximately $200,000 USD), you can obtain a resident visa that allows you to stay indefinitely in Colombia and enter and leave freely. This visa can lead to permanent residency after 5 years.

Rentier visa: If you can prove a recurring income of at least 10 monthly minimum wages (approximately $3,000 USD/month), you can obtain a rentier visa.

Digital nomad visa: Colombia recently introduced a specific visa for remote workers that allows them to stay for up to 2 years.

Enjoying your property personally

Many investors who rent out their property long-term negotiate with their tenant the possibility of taking back the property for 2-4 weeks per year during the tenant’s vacation. Others opt for short-term rentals, which allow them to block off periods for their personal use.

“I use my Cartagena apartment 3 weeks a year, usually in January and February when it’s gray in Switzerland,” explains Pierre, a 52-year-old investor. “The rest of the time, it’s rented out and generates income. It’s the best compromise.”

Integrating into the expat community

Major Colombian cities have well-established expat communities with social events, Facebook groups, sports clubs, etc. Brymmo can put you in touch with these communities to facilitate your integration.

Advanced financial questions: Optimization and strategies

For more sophisticated investors, here are some advanced strategies discussed with Brymmo clients:

The BRRRR strategy adapted to Colombia

BRRRR (Buy, Renovate, Rent, Refinance, Repeat) is a popular strategy in English-speaking countries. In Colombia, an adapted version can work: buy an undervalued property or one needing work, renovate it for $10,000-$20,000 USD, rent it at a premium price, and then, if you have created a local structure with a history, potentially refinance through a Colombian bank to extract part of your capital and reinvest.

This strategy requires more expertise and involvement but can significantly accelerate the growth of your portfolio.

Conversion arbitrage

Buying properties in Colombian pesos (COP) when the peso is weak against the Swiss franc, then collecting rents in US dollars (USD) in the high-end expat segment. This strategy plays on two currencies and can generate exchange gains in addition to rental income.

Project development

For investors with larger capital ($200,000 USD+), participating in the development of small real estate projects (8-12 units) can generate exceptional yields (15-25%) but requires solid local expertise that Brymmo can provide through its network of partner developers.

Corporate rental

Renting your property to multinationals looking for housing for their expats offers exceptional stability (2-3 year contracts), premium rents, and very high-quality tenants. Brymmo has contacts with the HR departments of several multinationals present in Colombia.

Looking to the future: Colombia in 10 years

Imagine Colombia in 2035. What are the reasonable projections that can influence your decision to invest today?

Sustained economic growth

International organizations (IMF, World Bank) project Colombian economic growth of 3-4% per year for the next decade. This growth, higher than that of developed countries, will naturally fuel real estate appreciation.

Continuous infrastructure improvement

Ongoing mega-projects (new metro lines, airport modernization, roads) will be completed, making Colombian cities even more attractive and functional. Neighborhoods that are currently on the outskirts will become central thanks to new transport lines.

Consolidation of the tourism market

Colombia is expected to double its international tourist arrivals by 2035, from 4-5 million to 8-10 million per year. This growth will fuel demand in tourist destinations like Cartagena, but also in new emerging destinations.

Sustainable favorable demographics

With a population that will continue to grow (estimated at 56-58 million in 2035) and urbanize, the demand for quality urban housing will remain strong for at least two decades.

Regional economic integration

Colombia is continuously strengthening its trade links with its neighbors (Pacific Alliance, Andean Community) and with North America (free trade agreement with the USA). This integration promotes foreign direct investment and general prosperity.

Investors entering the market today via Colombia and Brymmo are positioning themselves to benefit from these long-term underlying trends.

And security? Let’s frankly address this important question

It would be dishonest not to address the question of security, often the primary concern for Swiss people considering investing in Colombia. Let’s be factual and nuanced.

The reality of the statistics

The major Colombian cities where Brymmo operates have significantly improved their security over the last 20 years. Medellín, once considered the most dangerous city in the world in the 90s, has reduced its homicide rate by 95%. Bogotá has crime rates comparable to those of many North American cities.

This doesn’t mean these cities are as safe as Zurich or Bern. There is still petty crime (pickpockets, phone theft), and some outlying neighborhoods have problems. But the neighborhoods where our clients invest (El Poblado, Chapinero, Bocagrande, Ciudad Jardín) have high security levels, with buildings featuring 24/7 security, cameras, and strict access controls.

Common sense precautions

As in any large city, a few simple precautions are necessary: do not ostentatiously display valuables, be vigilant with your belongings in crowded public places, avoid certain neighborhoods at night, and use official taxi apps rather than street taxis. These precautions quickly become natural habits.

The concrete experience of our clients

“We feel safe in our building and in the El Poblado neighborhood,” says Sophie (quoted earlier). “It’s different from Lausanne, certainly, but we’ve never had a problem in two years. Our property manager briefed us well on best practices.”

Brymmo neither minimizes nor dramatizes security issues. We provide an honest assessment and practical advice so that you can invest and visit with total peace of mind.

Ready to take the plunge? How to get started with Brymmo

You’ve read this far, a sign that real estate investment in Colombia seriously interests you. Here’s how to get started concretely with Brymmo:

Step 1: Free discovery consultation

Contact us via www.brymmo.ch for a free 15-20 minute video consultation. During this exchange, we will discuss your investment goals, budget, risk tolerance, and time horizon. We will explain our process and determine together if investing in Colombia fits your profile.

Step 2: Personalized feasibility analysis

If we mutually decide to proceed, we carry out a personalized feasibility analysis (cost: 1,000 CHF) which includes:

• City and neighborhood recommendations based on your goals
• Selection of 5-8 properties matching your criteria
• Detailed financial analysis including all costs and projected net yield
• Recommended legal and tax structure
• Step-by-step action plan

Step 3: Scouting trip (Optional but recommended)

We organize your visit on-site with a tailor-made program including:

• Accommodation in a selected hotel
• Visits to pre-selected properties
• Meetings with a lawyer, notary, and property manager
• Neighborhood tours and city discovery
• Free time to enjoy and soak up the local atmosphere

Typical duration: 4-6 days. Cost: from 2,800 CHF (excluding flights) for one person, including accommodation, local transport, and full support. (Price subject to change)

Step 4: Negotiation and reservation

Once you have identified the ideal property, we negotiate on your behalf, then coordinate the signing of the promise to sell and the payment of the deposit.

Step 5: Due Diligence and preparation

While your lawyer performs full legal due diligence, we simultaneously prepare the opening of your Colombian bank account, the potential creation of your legal structure, and all necessary documentation.

Step 6: Finalization and taking possession

Signing at the notary (in person or by power of attorney), transfer of funds, property registration. You receive your keys and all official documents. Celebrations!

Step 7: Rental and ongoing management

Our property management partner takes over: professional photography of the property, publication of ads, tenant screening, contract signing, and day-to-day management. You receive your rent monthly and detailed quarterly reports.

We remain / I remain available long-term for any questions, problems, or new investment projects.

Conclusion: The Colombian opportunity awaits you

Real estate investment in Colombia is not for everyone. It requires an open mind, a reasonable tolerance for risk, and the willingness to step out of your geographical comfort zone. But for Swiss investors who take this step with the right preparation and the right support, the rewards can be exceptional.

Rental yields of 8-12% that turn your savings into a passive income machine. Geographical diversification that protects your wealth against concentration in a single saturated Swiss market. Potentially strong capital appreciation in a dynamic emerging country. And perhaps even a pied-à-terre in a sunny country where you can spend your gray Swiss winters.

The question isn’t “why invest in Colombia?” but rather “why not at least explore this opportunity seriously?”

Brymmo is here precisely to transform this exploration into a successful investment. We combine Swiss real estate expertise with local Colombian knowledge to create a secure bridge between your savings and your future financial prosperity.

So, are you ready to discover your own real estate eldorado?

Your next step: Connect with Brymmo today

Don’t miss this opportunity to buy a high-yield property in Colombia that could transform your financial situation.

Contact Brymmo today for your discovery consultation!

Whether you are at the beginning of your thinking or ready to act now, our team is here to answer all your questions and guide you toward the best investment for your unique situation.

The future of your real estate wealth begins with a simple conversation.

Brymmo – Your gateway to profitable real estate investment in Latin America.



Disclaimer: The yields mentioned in this article are estimates based on current market data and Brymmo’s experience with existing clients. Past performance does not guarantee future results. All real estate investment involves risks, including the possibility of capital loss, rental vacancy, and exchange rate variations. We strongly recommend consulting an independent financial advisor before any international investment. Tax information is general and may vary according to your personal situation. Consult a specialized tax expert for personalized advice.