Financing: Cash Is No. 1, But It Is Complicated

Financing with cash on-hand remains the most common form of home purchase financing for luxury buyers globally. Selling of financial assets and borrowing money round out most finance packages.

Fewer buyers are relying solely on cash 25 percent were all-cash buyers in 2021 compared to 16 percent in 2023. Instead, financial and real assets are being liquidated and alternative financing options—while in decline—remain an important part of the financial picture.

Luxury buyers appear to be considering more complex financial structuring this year. In a tight market, buyers will want to be as liquid as possible at the start of the house hunt.