For UK investors looking to diversify their property portfolios, the Florida real estate market presents an attractive opportunity. Known for its sunny climate, robust rental demand, and no state income tax, Florida continues to be a hotspot for international property buyers. From Miami's luxury waterfront estates to Orlando's high-yield vacation homes, the state offers compelling options for long-term capital growth and short-term rental income.
This guide offers UK-based investors a detailed overview of how to buy property in Florida, the legal and financial considerations involved, and how Fraser Bond can help streamline the international investment process.
Florida welcomes over 100 million visitors annually, creating consistent demand for short-term rentals, particularly in areas like Orlando, Miami, and Tampa. This makes vacation homes and rental properties in these cities highly desirable from a yield perspective.
One of Florida’s biggest attractions is its lack of state income tax. For UK investors, this provides an opportunity to maximise net rental income, although UK tax obligations still apply.
Compared to prime London or other major international cities, Florida offers excellent value for money. In many areas, high-spec homes can be purchased for under £400,000, especially in suburbs and upcoming neighbourhoods.
There are no restrictions on foreign ownership in Florida. However, UK buyers must navigate:
Title companies or real estate attorneys for closing transactions
Property taxes and capital gains tax in the US
FIRPTA (Foreign Investment in Real Property Tax Act)—a withholding tax applied when non-residents sell US property
It’s essential to work with a trusted advisor to avoid legal pitfalls.
Most UK investors opt for cash purchases due to the complexity of securing US mortgages as a non-resident. For those using finance:
Some US banks and lenders specialise in foreign national loans
Currency exchange volatility must be considered—hedging solutions are advisable
UK investors should seek tax advice to understand:
Double taxation relief between the UK and US
The use of LLCs or trusts to structure ownership for liability and estate planning
Ongoing tax filing requirements in both jurisdictions
Orlando – High rental yields and proximity to Disney make it ideal for vacation rentals
Miami – Luxury property, international appeal, and capital appreciation potential
Tampa – Affordable homes, growing tech and medical sectors, and strong rental demand
Naples and Fort Lauderdale – Upscale coastal living with appeal to retirees and long-term tenants
At Fraser Bond, we understand that investing abroad requires a trusted partner. We offer UK investors:
Strategic consultation on property markets in Florida and beyond
Introductions to licensed US real estate professionals, tax advisers, and legal experts
Risk analysis and yield forecasting based on your investment goals
Currency exchange guidance to maximise value
End-to-end support, from market entry to asset management
Whether you’re acquiring a holiday home or building an international portfolio, Fraser Bond ensures your US property investment is well-informed and seamlessly executed.
Florida offers UK investors the rare combination of high rental returns, tax efficiency, and lifestyle appeal. However, buying property overseas requires careful planning, due diligence, and expert support. With the right strategy and trusted advisors like Fraser Bond, investing in Florida real estate can be a lucrative step toward global portfolio diversification.
