Why Choose a Foreign Real Estate Bond?

The real estate market in the Netherlands is currently extremely overheated. Private individuals and professional investors are increasingly outbidding one another, often resulting in purchase prices that exceed both the market value and the original asking price. This situation significantly reduces returns for investors who aim to grow their capital in a controlled and sustainable way.

In addition, various municipalities have introduced owner-occupancy requirements and anti buy-to-let regulations. These measures make it increasingly difficult—if not impossible—for investors to acquire attractive investment properties. Abroad, however, there are still many solid opportunities available.

Sun Life Real Estate is a Dutch real estate brokerage based in Curaçao. Managing Director Adriaan Smit has over 15 years of experience as a real estate specialist in the Caribbean and understands local investment opportunities better than most. Whether it concerns acquisitions, sales, negotiations, legal matters, or tax considerations, Sun Life Real Estate combines in-house expertise with a strong international network.

Why Choose a Real Estate Bond Instead of Buying and Managing Property Yourself?

Purchasing and managing real estate independently involves many complexities. Finding the right property requires time, experience, and deep market knowledge. A seemingly attractive investment can quickly turn into a financial burden if key factors are overlooked—potentially putting long-term wealth or retirement planning at risk.

Important considerations include:

• A clear exit strategy

• Expected maintenance costs

• Realistic rental income

• Existing agreements and obligations

• Legal and fiscal structures

A real estate bond offers a structured alternative, allowing you to benefit from real estate performance without the operational risks and day-to-day management.

Invest Through a Real Estate Bond

Why Invest With Us?

In addition to a 5% annual payout, investors receive a bonus payment at the end of the investment term. This bonus can be financially very attractive, as it equals 50% proportional to your investment.

Example:

• Property purchased in 2022 for €500,000

• Property value in 2027: €740,000

• Your investment: €100,000 (20% of €500,000)

• Total value increase: €240,000

• Your bonus: 20% of €240,000 ÷ 2 = €24,000

Thanks to our long-standing experience, we are able to realize stronger value appreciation than the average private investor. During the investment period, properties are actively optimized within the portfolio—selling and reinvesting when better market opportunities arise—to maximize overall performance.

The brokers at Sun Life Real Estate continuously monitor market developments and act quickly when adjustments are required to achieve the targeted results.

Our Investment Strategy

We exclusively invest in:

• New-build properties, or

• Existing properties no older than four years

All properties must be suitable for long-term rental, low in maintenance, and supported by a strong exit strategy. Per portfolio, €500,000 worth of real estate is acquired. Monthly rental income is used to pay returns to bondholders.

Transparency is key. Investors receive access to a modern online system where they can monitor the performance of the portfolio they participate in. Important documents such as appraisal reports are shared annually, along with forward-looking projections.

Interested in Learning More?

If you would like more information about investing through a foreign real estate bond, we are happy to discuss the structure, risks, and potential returns with you personally.

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📱 WhatsApp: +5999 686 2994