Gutierrez Group’s Private Mortgage Loans offer investors the opportunity to participate in a growing industry that is disregarded by local banks: lending money to foreigners buying and/or developing real estate in Colombia.

In Colombia, foreigners can’t borrow funds from local banks until they achieve local credit history, which might take up to 2 years. Despite any type of credit score abroad, their lack of local financial history makes them unacceptable for banks. This opens an immense opportunity for

investors willing to diversify into a secure industry while obtaining attractive returns that exceed those from owning and renting real estate.

Gutierrez Group offers the opportunity to become a private mortgage lender by operating as a mortgage broker, matching a single investor (creditor) to a single borrower (debtor).

Loans are placed using loan-to-value ratios of no more than 70% and collateralized against highly marketable properties. The term, usually no greater than 5 years, is for parties to define. Amortization of principal and interests can be set to take place on monthly, quarterly, yearly or balloon payment as they are for parties to negotiate. In average, investors may expect annual net returns of 8% to 11%.


• There is a growing need that no bank is catering. Tourism and foreign investment are increasing every year and investors often require leverage for their real estate purchases / developments.

• Perfect opportunity to obtain a source of cash-flow leveraged against a hard asset while assuming a low level of risk.

• This investment allows for further diversification of a real estate portfolio by asset type, country, and currency, as investor may decides to receive his monthly payments either in USD or Colombian pesos.

• Completely turnkey. Investors receive a permanent stream of monthly income without the administrative hassle arising from owning rental property.


Placing a private mortgage loan implies a simple multi-step process:

1. Gutierrez Group receives a loan request from prospect.

2. The request is reviewed and due diligence is performed. This involves evaluating the property collateralizing the loan, conducting a title study and analyzing the debtor’s financial ability to repay the loan.

3. If loan request qualifies per Gutierrez Group’s standards, the opportunity is presented to potential investors.

4. If an investor accepts to place the loan, a promissory note, a loan and a mortgage contract are presented to and signed by parties. These contracts document the deal by featuring the loan’s amount, interest rate, term, LTV, and payment schedule

5. Once contracts are executed by parties, investor disburses funds to borrower and term commences.


Between 8% and 11% per year depending on the conditions of the loan.


Mixed, depending on both parties’ needs and expectations (1, 2, 3, or 5 years).


To be arranged between the parties.


The operation is completely executed by Gutierrez Group. The loans are analyzed, structured, supervised and controlled by our highly experienced team of lawyers, property valuators, and financial specialists, a team with over 10 years of experience on the field.


1. Get in touch with your preferred Gutierrez Group advisor.

2. Digitally fill in our KYC form here.

3. You’ll need an account of your own in Colombia. If you don’t have one yet we’ll help you open it. It’s very simple and only takes a few days.

4. Transfer funds into your own account, convert them into Colombian Pesos, and forward funds to us upon signature of investment agreement. We’ll be by your side during the whole process.

We’ll be by your side during the whole process.

Get in touch with us

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Calle 7 sur #42-70 Edificio Forum Oficina 209
Medellín, Colombia
Landline: +57-4 3228898

320  725 47 32

Corporate Law


250+ successfully incorporated companies.

Whether you are considering incorporation for the purpose of establishing a business in Colombia, shielding an ongoing venture or for estate planning in connection with your affairs in this part of the world, our highly trained lawyers specialize in legally structuring investment and/or holding vehicles that will allow you to achieve your goals in our country.

Real Estate Law


350+ lawfully acquired properties.

With hundreds of successfully handled real estate transactions, our team of experts has unparalleled experience to properly and integrally guide you in connection with your real estate needs. From title searches, drafting or analyzing real estate contracts, dealing with liens, to handling closings and even negotiating terms, our skilled lawyers will offer comprehensive service.

Immigration Law


450+ effectively obtained visas.

In turbulent economic and political times such as the ones we live in, the ability to immigrate presents itself more as insurance than anything else. Our experienced and skillful group of experts has timely and successfully handled several hundreds of Colombian visa applications of all natures. From permanent investment visas, to real estate ownership, pension, capitalist, student, work, spouse, family related and beneficiary visas, we have experience with them all and offer full turnkey service.

Foreign Investment Law and Banking


2.500+ duly registered foreign investment operations.

Lots has been written about how cumbersome it is to send funds in or out of Colombia, about how accounts for foreigners are even unavailable. When you know the regulations, the system, the procedures, the authorities and the participating agents like our experts do, you realize that such appreciations are nothing but misconceptions. Thanks to more than a decade of reputation and experience in dealing with financial operations, our team has seamlessly created countless individual and corporate accounts at financial institutions as well handled thousands of investment and repatriation transactions.

Accounting and Tax Law


+10 years of experience in accounting, bookkeeping and tax matters.

Whether you are just starting up or your business is an already consolidated project, our accounting professionals offer a decade of experience and all year round service in connection with accounting, bookkeeping and tax matters so that clients may concentrate in growth and productivity while resting assured that tax contributions are being rationalized.

Estate Planning


Comprehensive service in non-business related matters.

Business matters are just as critical to our clients as civil and family ones, which is why our team brings broad experience to the table in regards to estate planning matters. Those who have decided to invest or relocate in Colombia count on our firm´s knowledge towards properly structuring their assets so as for avoidance of probate and smooth generational transfer of wealth to take place. Our services in this realm of the law include wills and structures such as companies, trusts and escrows.


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