Relocating to Ambergris Caye: A step-by-step guide

Ambergris Caye, Belize’s crown jewel, has long lured expats, retirees, and investors seeking a tropical escape, thanks to its sun-drenched shores, turquoise waters, and laid-back Caribbean lifestyle.

Beyond the postcard-perfect beaches, Ambergris Caye offers residency options with tax advantages, a stable currency tied to the U.S. dollar, and a low cost of living compared to other Caribbean destinations, making it extremely attractive to prospective residents.

If you’re looking to make this lovely slice of the Caribbean your home, keep reading to learn everything you need to know to start your new life in paradise.

YOUR STEP-BY-STEP GUIDE TO MOVING TO AMBERGRIS CAYE

Moving to Ambergris Caye means embracing Caribbean beauty while making a smart investment in your future. To ensure a smooth transition, careful planning is essential. From legal and financial preparations to securing property, healthcare, and utilities, this guide walks you through every step – helping you settle easily into island life while maximizing opportunities.

Conduct initial research

While this Caribbean paradise offers a much-desired island lifestyle, understanding the realities of daily life, climate, and infrastructure will help set realistic expectations and prepare you for living in Ambergris Caye.

Here are some important factors to consider:

• LIFESTYLE AND CULTURE. Ambergris Caye is known for its relaxed vibe, friendly locals, and vibrant expat community. Taking the time to learn about the island’s pace of life, social scene, and available amenities will help you determine if it aligns with your lifestyle preferences.
• WEATHER – ESPECIALLY HURRICANE SEASON. The island enjoys a warm tropical climate year-round but the rainy season, which lasts from June to November, and its string of hurricanes may catch you off-guard, especially if you come from colder climates. Understanding weather patterns will help you plan accordingly, especially when it comes to housing and emergency preparedness.
• INFRASTRUCTURE AND UTILITIES. Ambergris Caye has modern conveniences but certain areas may experience occasional power outages, limited high-speed internet, or water shortages. Knowing this will help you in deciding where to live on the island and making the corresponding adjustments to your daily routine.

Once you have a general understanding of what life on Ambergris Caye entails, gathering firsthand knowledge and insights from experienced expats and locals will further enhance your preparation. Here are some of the best ways to do so:

• VISIT IN PERSON. Spending a few weeks on the island is one of the best ways to get a real feel for daily life. Exploring different neighborhoods, visiting local markets, and talking to both residents and expats will provide valuable perspectives on what it’s like to live there full-time.
• JOIN ONLINE COMMUNITIES. Social media groups, expat forums, and relocation websites offer a wealth of information coming from those already living in Ambergris Caye. These platforms are excellent for asking questions, reading about real-life experiences, and networking with future neighbors.
• CHECK GOVERNMENT AND REAL ESTATE WEBSITES. Official Belizean government websites provide up-to-date information on visa requirements, residency programs, and property laws, while real estate sites help prospective residents understand market trends and available housing options.

Understand Belize’s legal and financial landscape

Understanding Belize’s legal and financial framework is crucial for a smooth transition.

Whether you are retiring, working, or investing in the country, the following options are available:

• QUALIFIED RETIRED PERSONS (QRP) PROGRAM: Designed for individuals over 45 with a guaranteed monthly income of at least $2,000, this program provides tax exemptions and does not require full-time residency.
• PERMANENT RESIDENCY: Available to those who have lived in Belize for a full year without leaving for more than 14 consecutive days. Investors who contribute to the economy and create jobs may also qualify. Permanent residents may work and invest freely.
• TEMPORARY EMPLOYMENT PERMIT: Expats who secure legal employment or run a business in Belize may obtain a work permit, allowing them to live in the country. After maintaining a work permit for one year, they become eligible to apply for permanent residency.

Tourism fuels Ambergris Caye’s economy, shaping both the lifestyle and cost of living. While living in Ambergris Caye is more affordable than in the U.S., expenses tend to be higher than in Mainland Belize due to the island’s reliance on imports. Healthcare and services remain relatively affordable but dining, utilities, and imported goods may add up.

Belize’s tax-friendly policies make real estate investment attractive, with no capital gains tax and low property taxes. However, income earned in Belize is taxed, which is why financial planning is essential.

KEY FINANCIAL TIPS

• Expats should open a local bank account to facilitate day-to-day transactions while maintaining an offshore account to ensure greater financial flexibility.
• When purchasing property in Belize, best to conduct thorough due diligence and work with a reputable local lawyer to navigate the country’s real estate laws.
• Since island prices may fluctuate due to import dependencies, expats should budget carefully for potential cost variations.

Find the right property

Ambergris Caye’s real estate market offers a range of properties to suit different lifestyles and investment goals. Whether looking for a permanent home, a vacation retreat, or a rental property, you have several options to consider.

• SINGLE-FAMILY HOMES provide privacy and the freedom to customize, making them ideal for families and retirees.
• CONDOMINIUMS offer a low-maintenance lifestyle with modern amenities, perfect for convenience or rental income.
• LUXURY VILLAS feature upscale finishes and breathtaking ocean views, appealing to high-end buyers.
• VACANT LAND presents an opportunity for custom development and long-term appreciation as the island continues to grow in popularity.

KEY REAL ESTATE TIPS

• DEFINE YOUR GOALS. Determine whether you are buying for personal use, rental income, or long-term investment as this will influence the type of property you should consider.
• WORK WITH A REPUTABLE REALTOR. A knowledgeable local Realtor will provide insights into the market, recommend suitable locations, and assist with the buying process.
• RESEARCH LOCATION TRENDS. Waterfront properties tend to maintain a high value, while inland homes offer affordability and access to expanding infrastructure.
• CONSIDER RENTAL POTENTIAL. If you plan to rent out your property, choose a location with high tourist demand, such as beachfront areas or nearby popular attractions.
• UNDERSTAND OWNERSHIP LAWS. Belize has foreigner-friendly property laws, but working with a legal expert ensures a smooth and transparent transaction.

Prepare for your move

A well-organized move ensures a smooth transition and allows you to settle into island life without unnecessary stress.

Here’s how to make your move as easy as possible:

• PLAN EARLY. Allow at least three to six months to coordinate your move – research visa requirements, residency options, and the necessary paperwork beforehand. Also, keep both digital and physical copies of essential documents to avoid complications.
• HIRE A REPUTABLE INTERNATIONAL MOVING COMPANY. Be sure to choose a moving company that has experience with Belize or Caribbean relocations. Look for providers that offer door-to-door service and handle customs clearance. Reading reviews and asking for recommendations will help you find a reliable mover.
• DECLUTTER BEFORE PACKING. Since shipping to Belize tends to be costly, sell or donate non-essential items to lighten your load. Many expats prefer buying furniture and appliances locally, which also helps establish connections with the community.
• UNDERSTAND IMPORT REGULATIONS. Belize enforces strict import rules and duty fees on certain goods. Check which items can be brought tax-free and which require special permits. Avoid shipping prohibited goods, as customs delays are both costly and frustrating.
• ARRANGE PET RELOCATION IN ADVANCE. If you’re bringing pets with you,make sure to meet Belize’s pet relocation requirements, including health certificates and import permits. Some airlines also have restrictions, so book flights early and consider using a pet relocation service.

Prepare for healthcare and insurance needs

Ambergris Caye provides excellent basic medical services but specialized care on the island remains quite limited; thus, personal healthcare preparation is a necessity for expats and other prospective residents.

Here are some tips to keep your healthcare needs in check while living in Ambergris Caye:

• SECURE INTERNATIONAL HEALTH INSURANCE. Since local healthcare options are limited, particularly for complex treatments, it is important to choose a comprehensive international health insurance plan. Ensure that your policy covers medical evacuation, hospital stays, and specialized care in nearby countries such as Mexico or the U.S.
• KNOW YOUR LOCAL OPTIONS. Ambergris Caye has private clinics and a public polyclinic that handles routine medical issues. However, for more serious conditions, you may need to seek treatment in Belize City or travel abroad. Researching local healthcare facilities and establishing relationships with doctors upon arrival will help you navigate medical needs more effectively.
• PLAN FOR EMERGENCIES. In critical situations, medical evacuation may be required. To prepare for this, make sure your insurance covers emergency air transport to top-tier hospitals in Belize City or nearby countries with advanced medical facilities. Additionally, keep contact information for emergency services and private medevac providers readily accessible.
• STOCK UP ON PRESCRIPTIONS. If you take regular medications, make it a point to bring a sufficient supply and confirm their availability in Belize. Certain prescriptions may not be accessible locally, which may require importing them or making periodic trips abroad to replenish your medication.

Set up utilities and services

Once you’ve secured your new home in Ambergris Caye, setting up utilities and essential services is the next step to ensuring a smooth transition. Here’s how to do it efficiently and stress-free:

• PREPARE BEFOREHAND. Before moving, ask local utility providers about the required application documents and installation schedules ahead of time. This helps avoid delays and ensures your services are up and running when you arrive.
• ELECTRICITY. Belize Electricity Limited (BEL) provides power on the island. To set up a new account, visit the BEL office in San Pedro with your lease or property deed, a valid ID, and a deposit (the amount varies based on expected usage). Opt for online bill payments to avoid long lines.
• WATER CONNECTION. Water is managed by Belize Water Services (BWS). Bring your lease or proof of ownership, ID, and a deposit to set up the service. If your home uses well water, consider installing a filtration system for potable water.
• INTERNET AND CABLE. The main providers, Coral Cable and Smart, offer internet and TV packages. For faster installation, schedule an appointment before moving in. If you work remotely, inquire about fiber-optic service for better speed and reliability.
• TRASH COLLECTION. The San Pedro Town Council manages waste collection. Confirm your neighborhood’s pickup schedule and consider hiring a private disposal service if needed.
• GAS FOR COOKING. Most homes use butane gas. Suppliers like Zeta Gas and Belize Western Energy deliver, just make sure to set up a regular refill schedule to avoid running out.

Settle into the community

Living in Ambergris Caye is all about immersing yourself in the local culture and connecting with the community. Here are some essential tips to ensure a smooth transition:

• GET TO KNOW YOUR NEIGHBORS. Belizeans are known for their warmth and hospitality. Mingle with both locals and expats to build relationships and gain insights into island life.
• JOIN LOCAL GROUPS AND EVENTS. Participate in community activities, from beach cleanups to cultural festivals. Organizations like the San Pedro Lions Club and local charity events offer great ways to meet people.
• EXPLORE LOCAL MARKETS AND EATERIES. Getting to know the island’s vendors, restaurants, and shops not only supports the economy but also helps to build connections within the community.
• ADAPT TO ISLAND LIFE. Things move at a slower pace here, so patience and a laid-back attitude will help you settle in smoothly.
• STAY INFORMED. Follow local news sources like the San Pedro Sun or community Facebook groups to stay updated on events, regulations, and opportunities.

Prepare for your transportation and mobility needs

It pays to know how to get around Ambergris Caye at the soonest to make your transition smooth. Here’s how to navigate the island effortlessly:

• BOOK A LOCAL FLIGHT OR FERRY FROM BELIZE CITY. To reach Ambergris Caye, take a 15-minute flight from Philip S.W. Goldson International Airport to San Pedro via Tropic Air or Maya Island Air or go on a 90-minute scenic ride via water taxi.
• TRY OUT THE POPULAR MODE OF TRANSPORT. Golf carts are the best way to go around the island. Try renting one, then consider purchasing if you plan to stay long-term. Bicycles are also great for short trips.
• SECURE YOUR DRIVER’S LICENSE. Visitors may use their home country’s license in Ambergris Caye and other parts of Belize for up to three months. But those staying for an extended period should get a Belizean International Driving Permit to avoid any hassles.
• FAMILIARIZE YOURSELF WITH THE ROADS. Main roads are paved, but side streets may be sandy or bumpy. That’s why it helps to drive cautiously, especially after rain.
• USE WATER TAXIS FOR ISLAND HOPPING. For trips to nearby cayes or the mainland, do what the locals do and ride a water taxi – a relatively cheap and reliable option.

Make preparations for schooling

If you have kids living in Ambergris Caye with you, ensure the seamless continuation of their studies by looking into the island’s academic options and other related factors.

• KNOW THE LOCAL SCHOOLS. Ambergris Caye has several schools to choose from but it makes sense to know each one’s curriculum, extracurricular activities, and teaching approach to find the best fit for your child’s education and development. For example, private institutions like The Island Academy and Ambergris Caye Elementary School follow international curriculums.
• CONSIDER LOCATION AND COMMUTE. Choose a school in a convenient location to minimize commute time, especially if you live outside San Pedro town.
• UNDERSTAND ENROLMENT REQUIREMENTS. Gather necessary documents such as birth certificates, vaccination records, and previous school transcripts before arriving.
• CONNECT WITH OTHER EXPAT FAMILIES. Join local parenting groups or expat forums to get real-world insights and support.

Go through your checklist one last time before moving

Before you settle into life in Ambergris Caye, taking care of a few last-minute details will help you avoid unnecessary stress. Here are some final steps to ensure a smooth transition.

• DIGITIZE IMPORTANT DOCUMENTS. Scan passports, birth certificates, property deeds, medical records, and financial documents. Store them securely online for easy access from any device.
• TEST YOUR TECH. Make sure your phone is unlocked so it will easily read a Belize SIM card, update your devices’ software, and install a VPN if you need access to certain international websites or streaming services.
• PREPARE FOR POWER AND INTERNET OUTAGES. Island living sometimes means spotty service. Consider investing in a small generator, bring a power bank and surge protectors, and download entertainment or work materials for offline use.
• UPDATE OR CANCEL SUBSCRIPTIONS. Adjust your streaming, delivery, and utility services to avoid unnecessary charges or service interruptions.
• BRING ESSENTIALS YOU CAN’T EASILY FIND. Certain medications, favorite snacks, and electronics may be limited or more expensive on the island, so it’s best to stock up before your move.
• PLAN FOR LAST-MINUTE CHANGES. Have a backup plan involving temporary accommodation in case your move-in date shifts, and pack a “first-week” carry-on with essentials like toiletries, a few days’ worth of clothes, medications, and key documents in case your shipment is delayed.

KICK OFF YOUR SHOES AND MAKE BELIZE YOUR NEW HOME

Moving to Ambergris Caye is more than just a change of scenery – it’s a lifestyle upgrade. From preparing for the move to finding the perfect home, each step brings you closer to living the island dream.

Whether you’re looking for a beachfront villa, a stylish condo, or a prime piece of land on the island, expert guidance is essential. That’s where Belize Coastal Real Estate, led by Mirna Waight, comes in.

With years of experience and a reputation built on trust, Belize Coastal Real Estate helps you navigate the market and settle into island life with ease.

Ready to make the move? Reach out to the team today to schedule a personalized consultation and start your journey to paradise.