Secure your business future with European real estate
As a Latvian resident with declared income from your SIA, you become a standard bank borrower. No more being rejected as an entrepreneur without a fixed salary.
Corporate tax or wealth: where do your profits go?
In France
25% of your profits
Go to taxes. Gone.
In Latvia
The same amount
Becomes your real estate deposit. Wealth.
Latvia's holding system allows you to transfer your online business profits directly into real estate, without paying corporate tax first.
Holding advantage: reinvest your profits tax-free
With a Latvian holding structure, the profits from your business (e-commerce, SaaS, consulting) can be reinvested into European real estate without triggering corporate tax. It is the same amount of money as in your home country, but instead of paying it to the tax office, it becomes your deposit for a property.
Secure your business by building real estate wealth
Online Businesses Have a Short Lifespan
The average e-commerce or online business lasts 2-3 years before the market shifts, algorithms change, or competition catches up. Revenue today is not guaranteed revenue tomorrow.
Banks Refuse Entrepreneurs
In most countries, banks see entrepreneurs as high-risk borrowers. No stable salary means no mortgage. Your income is real, but banks don't care.
Real Estate Turns Income into Durable Assets
Diversify while you can. Real estate generates passive rental income, appreciates over time, and protects you when the online game eventually slows down.
Latvian SIA Opens the Door
As a Latvian resident with a SIA declaring income, you are a standard borrower in the eyes of EU banks. Swedbank, SEB, Citadele: doors that were closed in your home country are now open.
Your Latvian holding + European real estate
The holding + real estate investment combination lets you build lasting wealth, with a landlord-friendly legal framework and prices that are still accessible.
Reinvest without tax friction
Your Latvian holding lets you reinvest business profits into real estate without paying corporate tax first. The same money that would go to the tax office becomes your property deposit. It is a wealth accelerator.
Landlord-Friendly Laws
No tenant over-protection. No winter eviction bans. If a tenant doesn't pay, eviction is swift and the court enforces it. The law protects property owners.
Capital Leverage
Use the bank's money to build your wealth. Your SIA income serves as collateral. No need to save up the full amount in cash. Let leverage work for you.
Real Estate as an Entrepreneur vs. Latvian Resident
High-Tax Countries
- Banks refuse entrepreneur profiles
- Non-paying tenants can stay 2-3 years
- Complex eviction procedures, winter bans
- Entry prices 200K+ in any decent city
- Rental yields 2-4% gross
Latvia (SIA Resident)
- Standard borrower after 12-18 months of SIA income
- Quick eviction, landlord-friendly courts
- Simple legal framework, no winter eviction ban
- Entry prices 50-80K in Riga city center
- Rental yields 5-8% gross
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Frequently Asked Questions
Can I get a mortgage in Latvia as a foreign entrepreneur?
Yes. Once you are a Latvian resident with a SIA that has been declaring income for 12-18 months, you qualify as a standard bank borrower. Swedbank, SEB, and Citadele all offer mortgage products to residents with declared income. You are treated as a standard borrower, not a risky entrepreneur.
What is the minimum investment to buy property in Riga?
Entry-level apartments in Riga city center start at 50,000-80,000 EUR. With a Latvian mortgage, your upfront capital requirement is significantly reduced compared to buying outright. Most investors start with a central Riga apartment for strong rental yields of 5-8% gross.
What types of property can I invest in?
You can invest in residential apartments in central Riga for rental income, renovated buildings in up-and-coming neighborhoods, or new developments in the city center. Most foreign investors start with central Riga apartments for their strong rental yields of 5-8% gross.
How does tenant eviction work in Latvia?
Latvia has a landlord-friendly legal framework. If a tenant does not pay rent, eviction procedures are straightforward and enforced by the courts. There is no equivalent of the French "treve hivernale" (winter eviction ban). Property owners are protected by law, and the process is measured in weeks, not years.
What taxes apply to rental income in Latvia?
Rental income earned by an individual is taxed at a flat 10% if registered as economic activity, or 20% as personal income. If the property is held through your SIA, rental income is part of corporate profits: 0% tax as long as profits are reinvested, 20% rate only on distributed dividends.
Can I manage my rental property remotely?
Yes. Property management companies in Riga handle tenant sourcing, rent collection, maintenance, and communication for a standard fee of 8-12% of monthly rent. You can oversee everything remotely and only visit for major decisions or inspections.
Watch our explainer videos
Our experts answer the most frequently asked questions about relocating to Latvia, on video.
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We guide you through every step and answer all your questions.