Mortgage in Italy for foreign buyers

Financing property without Italian residency

Buying a property in Italy does not necessarily require full cash payment. There are several financing options available, and even as a foreign buyer without residency, it is possible to obtain a mortgage – provided certain conditions are met.

Through our collaboration with an Italian bank, we can assist buyers across Italy in securing financing of up to 50% of the property value. This means that you will typically need to provide at least half of the purchase price yourself.

Financing without residency in Italy

Foreign buyers who are not resident in Italy can still qualify for a mortgage, but the loan-to-value ratio is generally lower than for residents. In most cases, banks will offer financing in the range of 50–60%, depending on your financial profile and the property itself.

Italian banks assess both:
• Your financial situation (income, assets, stability)
• The property (location, condition and marketability)

This means that not all properties will qualify for financing, even if the buyer does.

Minimum loan amounts

Italian banks typically require a minimum loan size in order to proceed. In practice, mortgages below €50,000 are very rare, as smaller loans are not considered viable from the bank’s perspective.

The process

Financing a property in Italy involves a structured process:
1. You find the property
2. Terms are agreed with the seller
3. A preliminary legal and technical check is carried out by a notary
4. Your financial documentation is reviewed
5. The bank evaluates both you and the property

We assist throughout this process, coordinating between you, the bank and the notary to ensure everything runs smoothly.

Local expertise matters

As a general rule, we always recommend working with a local Italian bank, as they have a better understanding of the specific area and property type.

A tailored approach

Every financing case is different. There are no fixed rules, and approval depends on a combination of factors. In rare cases, it may not be possible to obtain financing – but we will always guide you towards the most realistic and suitable options.