{"id":6217,"date":"2026-04-26T17:30:40","date_gmt":"2026-04-26T15:30:40","guid":{"rendered":"https:\/\/www.realestate.it\/?page_id=6217"},"modified":"2026-04-27T19:51:34","modified_gmt":"2026-04-27T17:51:34","slug":"mortgages-for-non-residents","status":"publish","type":"page","link":"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/","title":{"rendered":"Getting a Mortgage in Italy as a Non-Resident"},"content":{"rendered":"<div class=\"gb-container gb-container-82a67418\">\n\n<p class=\"has-text-color has-link-color wp-elements-e84ae6130b22306159a0cf59f1b6c1b7\" style=\"color:#6b6860;font-size:0.85rem;letter-spacing:0.01em\">By\u00a0<strong>Thomas Moroder<\/strong>\u00a0\u00b7 Pending review\u00a0\u00b7 Last reviewed\u00a0<strong>26 april 2026<\/strong>\u00a0\u00b7\u00a0<strong>7 minutes<\/strong>\u00a0read<\/p>\n\n<\/div>\n\n<div class=\"gb-container gb-container-52cd066d\">\n\n<p class=\"has-text-color has-link-color wp-elements-103959fec9867b03c4d6965bac7bd62a\" style=\"color:#6b6860;font-size:0.85rem;letter-spacing:1.5px\"><strong>Disclaimer.<\/strong>&nbsp;This guide is for general information only. It is not legal, tax, immigration, mortgage or investment advice. Italian rules vary by municipality, property type, buyer status and personal circumstances, and they change over time. Before signing an offer, paying a deposit or making a tax election, speak to an Italian notary, lawyer,&nbsp;<em>commercialista<\/em>, mortgage adviser or immigration lawyer as appropriate.<\/p>\n\n<\/div>\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Reality_check_loan-to-value\" >Reality check: loan-to-value<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Which_banks_lend_to_foreigners\" >Which banks lend to foreigners?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Documents_usually_requested\" >Documents usually requested<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Document_checklist_for_a_non-resident_application\" >Document checklist for a non-resident application<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Currency_stress_test_a_worked_example\" >Currency stress test: a worked example<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Fixed_or_variable\" >Fixed or variable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Currency_risk\" >Currency risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Timeline\" >Timeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Property_type_matters\" >Property type matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Alternatives_to_an_Italian_mortgage\" >Alternatives to an Italian mortgage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Mortgage_brokers\" >Mortgage brokers<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#Verifying_your_broker_regulatory_checks\" >Verifying your broker (regulatory checks)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Foreign buyers can sometimes get an Italian mortgage, but the process is slower and more conservative than many expect. The issue is not whether Italy has mortgages. It does. The issue is whether an Italian bank is comfortable underwriting a borrower whose income, tax returns, assets and credit history sit in another country.<\/p>\n\n\n\n<p>If you are a non-resident buyer, assume the bank will be cautious. That means lower loan-to-value, more documents, longer timing and closer scrutiny of income stability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reality_check_loan-to-value\"><\/span>Reality check: loan-to-value<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Italian residents may be able to obtain higher loan-to-value mortgages. Non-residents are usually treated more conservatively. A planning assumption of 50-60 percent loan-to-value is often more realistic for non-residents, although the final figure depends on bank policy, property type, borrower profile, currency of income, age, debt ratio and valuation.<\/p>\n\n\n\n<p>If the purchase depends on leverage, start the mortgage process before making a binding offer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_banks_lend_to_foreigners\"><\/span>Which banks lend to foreigners?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some Italian banks and international banking desks lend to foreign buyers, but appetite changes. Rather than publishing a static list that may become outdated, buyers should speak to an Italian mortgage broker or directly to banks with current non-resident lending experience.<\/p>\n\n\n\n<p>The most important questions are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do you lend to non-residents from my country?<\/li>\n\n\n\n<li>What currencies of income do you accept?<\/li>\n\n\n\n<li>What maximum LTV is realistic?<\/li>\n\n\n\n<li>Do you finance rural, historic or renovation property?<\/li>\n\n\n\n<li>Do you require life insurance or other products?<\/li>\n\n\n\n<li>How long does approval take after documents are complete?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_usually_requested\"><\/span>Documents usually requested<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Expect to provide identification, tax code, proof of address, bank statements, employment contract or pension evidence, tax returns, payslips, business accounts if self-employed, credit commitments, asset statements, and details of the property.<\/p>\n\n\n\n<p>Documents may need translation, apostille or certification. Self-employed buyers should prepare more evidence than employees. Buyers with income in USD, GBP, CHF, CAD or AUD should expect currency-risk analysis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Document_checklist_for_a_non-resident_application\"><\/span>Document checklist for a non-resident application<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>What an Italian bank will typically request:<\/p>\n\n\n\n<p><strong>Identity and status<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passport (full copy, all pages including blanks)<\/li>\n\n\n\n<li><em>Codice fiscale<\/em> (apply at the Italian consulate or Agenzia delle Entrate)<\/li>\n\n\n\n<li>Proof of address in country of residence (utility bill, bank statement, \u22643 months old)<\/li>\n\n\n\n<li>Marital status documentation (where relevant)<\/li>\n<\/ul>\n\n\n\n<p><strong>Income<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Last 3 years of tax returns (translated, sometimes apostilled)<\/li>\n\n\n\n<li>Last 6 months of payslips (employed) or business accounts (self-employed)<\/li>\n\n\n\n<li>Employment contract or letter from employer<\/li>\n\n\n\n<li>For pension applicants: pension statement (last 12 months)<\/li>\n<\/ul>\n\n\n\n<p><strong>Assets and liabilities<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Last 6 months of bank statements (all accounts of significance)<\/li>\n\n\n\n<li>Investment portfolio statements<\/li>\n\n\n\n<li>Schedule of existing debts (mortgages, loans, credit cards)<\/li>\n\n\n\n<li>Source-of-funds documentation for the deposit<\/li>\n<\/ul>\n\n\n\n<p><strong>Property documentation<\/strong> (the bank&#8217;s underwriting team needs)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Preliminary contract (<em>compromesso<\/em>)<\/li>\n\n\n\n<li>Cadastral data (visura catastale, planimetria)<\/li>\n\n\n\n<li><em>APE<\/em> (energy performance certificate)<\/li>\n\n\n\n<li>Building regularity declarations<\/li>\n\n\n\n<li>Bank&#8217;s own valuation (commissioned by the bank, paid by buyer, typically \u20ac300\u2013\u20ac600)<\/li>\n<\/ul>\n\n\n\n<p>Translation, certification and apostille requirements vary by bank and country of origin. Plan <strong>3\u20134 weeks<\/strong> of preparation time before the bank can even start serious underwriting. The fastest non-resident applications take 8 weeks; the slowest can take 16+.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Currency_stress_test_a_worked_example\"><\/span>Currency stress test: a worked example<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A British buyer earning \u00a3120,000\/year considers a \u20ac300,000 mortgage on a \u20ac600,000 villa, 50% LTV, 20-year term, 4% fixed.<\/p>\n\n\n\n<p><strong>Base monthly payment:<\/strong> ~\u20ac1,818 \u2014 at GBP\/EUR 1.17, that&#8217;s ~\u00a31,553\/month, comfortably ~15% of gross monthly income.<\/p>\n\n\n\n<p><strong>Stress scenario 1 \u2014 sterling weakens 15%:<\/strong> GBP\/EUR moves from 1.17 to 0.99. The same \u20ac1,818 now costs ~\u00a31,837\/month \u2014 an 18% jump in sterling terms.<\/p>\n\n\n\n<p><strong>Stress scenario 2 \u2014 rate reset on a variable mortgage from 4% to 6%:<\/strong> monthly payment moves to ~\u20ac2,148 \/ \u00a31,832 (at original FX) or ~\u00a32,170 (with the FX move).<\/p>\n\n\n\n<p><strong>Combined scenario:<\/strong> payment in sterling moves from ~\u00a31,553 to ~\u00a32,170 \u2014 a 40% increase. If your budget cannot absorb that, the deal is too tight. Italian mortgages do not include the same easy refinancing optionality that UK or US borrowers expect: changing lenders mid-term is possible but slow and costly.<\/p>\n\n\n\n<p>The conservative test: can your monthly budget absorb a 40% rise in the mortgage payment without lifestyle change? If yes, proceed. If no, reduce LTV, fix the rate, or buy in cash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fixed_or_variable\"><\/span>Fixed or variable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Italian mortgages may be fixed, variable or mixed. Fixed rates provide certainty. Variable rates can be cheaper or more expensive over time depending on benchmark movements. Non-resident buyers should be careful with variable-rate risk if income is in a foreign currency and the property is not producing stable euro income.<\/p>\n\n\n\n<p>The rate headline is not enough. Compare APR\/TAEG, insurance, early repayment rules, mortgage tax, valuation fees, account fees and required products.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Currency_risk\"><\/span>Currency risk<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A British buyer earning GBP and borrowing EUR has two risks: interest-rate risk and exchange-rate risk. A US buyer earning USD has the same issue. If your home currency weakens against the euro, the mortgage payment becomes more expensive in your income currency.<\/p>\n\n\n\n<p>A useful stress test is to model the payment after a 10-15 percent adverse currency move and a rate increase. If the property only works under perfect exchange rates, it is too tight.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Timeline\"><\/span>Timeline<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mortgage-backed purchases commonly take eight to twelve weeks and sometimes longer. The bank needs borrower documents, property documents, valuation, underwriting, final approval, mortgage deed coordination and notary scheduling.<\/p>\n\n\n\n<p>Do not sign a binding offer without a mortgage condition unless you can complete in cash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Property_type_matters\"><\/span>Property type matters<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banks prefer clean, marketable, legally compliant property. Rural houses, ruins, properties needing major renovation, mixed agricultural\/residential assets, unusual cadastral categories or properties with unresolved planning issues can be harder to finance.<\/p>\n\n\n\n<p>If you want to buy a farmhouse and restore it, ask whether the bank finances the current property, the renovation, or both.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Alternatives_to_an_Italian_mortgage\"><\/span>Alternatives to an Italian mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some buyers finance the Italian purchase using home-equity release or refinancing in their home country. Others borrow in euros from an international private bank. Some use Lombard lending against investment portfolios. These routes can be faster but require careful tax, currency and collateral advice.<\/p>\n\n\n\n<p>Cash buyers should still consider opportunity cost, currency timing and whether funds must be documented for anti-money-laundering checks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mortgage_brokers\"><\/span>Mortgage brokers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An Italian mortgage broker can be valuable if they have real experience with non-resident borrowers. Check whether the broker or credit intermediary is properly registered with OAM or works through a registered structure. Ask how they are paid, which banks they work with, and whether they have recently closed loans for buyers like you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Verifying_your_broker_regulatory_checks\"><\/span>Verifying your broker (regulatory checks)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In Italy, mortgage credit intermediaries must be registered with the <strong>OAM<\/strong> (<em>Organismo degli Agenti e dei Mediatori<\/em>). Before engaging a broker:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Ask for their OAM registration number<\/li>\n\n\n\n<li>Verify it on the OAM public register (oamitalia.it)<\/li>\n\n\n\n<li>Confirm whether they act as a <em>mediatore creditizio<\/em> (broker, may compare lenders) or as an <em>agente in attivit\u00e0 finanziaria<\/em> (agent of one or few lenders)<\/li>\n\n\n\n<li>Ask, in writing, how they are paid: by the bank, by you, or by both, and the amount<\/li>\n<\/ol>\n\n\n\n<p>A broker who cannot or will not provide an OAM number is operating outside Italian regulation. Walk away.<\/p>\n\n\n\n<p>For independent legal protection on cross-border financing, consider engaging a separate Italian solicitor \u2014 the broker&#8217;s interest is closing the deal; your solicitor&#8217;s interest is protecting you if it shouldn&#8217;t close.<\/p>\n\n\n<div class=\"gb-container gb-container-79094a96\">\n\n<h2 class=\"gb-headline gb-headline-a1620e0c gb-headline-text\"><strong>Continue your buying journey<\/strong><\/h2>\n\n\n\n<p>Get a free OMI-based valuation for any Italian property using <strong>VALE.IT<\/strong>, or join the English\u00a0<strong>Osservatorio<\/strong>\u00a0for monthly market data and policy updates aimed at international buyers.<\/p>\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-4d384dae\">\n<div class=\"gb-grid-column gb-grid-column-09508ef5\"><div class=\"gb-container gb-container-09508ef5\">\n\n<a class=\"gb-button gb-button-0cade7e4 gb-button-text\" href=\"https:\/\/www.realestate.it\/en\/valuation\/\">Run a free valuation<\/a>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-20acd17f\"><div class=\"gb-container gb-container-20acd17f\">\n\n<a class=\"gb-button gb-button-e7d17023 gb-button-text\" href=\"\/en\/newsletter\/\">Join the Osservatorio<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777217099342\"><strong class=\"schema-faq-question\">Can foreigners get a mortgage in Italy?<\/strong> <p class=\"schema-faq-answer\">Sometimes yes, but approval depends on nationality, residence, income, property and bank appetite.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777217102300\"><strong class=\"schema-faq-question\">What LTV should non-residents expect?<\/strong> <p class=\"schema-faq-answer\">A planning range of 50-60 percent is often more realistic than resident levels, but cases vary.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777217103080\"><strong class=\"schema-faq-question\">Can I get a mortgage for a renovation ruin?<\/strong> <p class=\"schema-faq-answer\">It is harder. Some banks will not finance major renovation or non-habitable property.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777217103676\"><strong class=\"schema-faq-question\">Do documents need translation?<\/strong> <p class=\"schema-faq-answer\">Often yes, especially tax returns, income proof and legal documents.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777217104220\"><strong class=\"schema-faq-question\">How long does approval take?<\/strong> <p class=\"schema-faq-answer\">Eight to twelve weeks is a common planning range for mortgage-backed purchases.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777217104760\"><strong class=\"schema-faq-question\">Should I make an offer before approval?<\/strong> <p class=\"schema-faq-answer\">Only with a clear mortgage condition unless you can complete in cash.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777217105660\"><strong class=\"schema-faq-question\">Is a broker worth it?<\/strong> <p class=\"schema-faq-answer\">Often yes for non-residents, provided they are properly registered and experienced.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777217106316\"><strong class=\"schema-faq-question\">Can I borrow in my home country instead?<\/strong> <p class=\"schema-faq-answer\">Yes, many buyers do. Compare cost, currency, tax and collateral consequences.<\/p> <\/div> <\/div>\n\n\n<div class=\"gb-container gb-container-6d6bf2f8\">\n\n<h3 class=\"gb-headline gb-headline-ad990a8d gb-headline-text\"><a href=\"https:\/\/www.realestate.it\/en\/buying-guide\/\" type=\"page\" id=\"6087\">Buying Property in Italy: The Complete 2026 Guide<\/a><\/h3>\n\n\n<ul style=\"color:#6b6860;\" class=\"wp-elements-def6e7ea4a0f6a8a87811ee98a84e5b5 wp-block-page-list has-text-color\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/taxes-and-fees\/\">The True Cost of Buying Property in Italy: Taxes, Fees and Hidden Charges<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/the-notary-process\/\">The Italian Notary: What They Actually Do and Why It Matters<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/residency-and-visas\/\">Italian Residency and Visas for Property Buyers<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/\">Getting a Mortgage in Italy as a Non-Resident<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/1-euro-houses-reality-check\/\">The Truth About Italy&#8217;s 1 Euro Houses<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/southern-italy-7pct-flat-tax\/\">The 7 Percent Flat Tax for Retirees Moving to Southern Italy<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/inheritance-and-forced-heirship\/\">Italian Inheritance Law: Forced Heirship and Your Property<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/running-costs-and-condominio\/\">The Running Costs of Italian Property: Condominio, Utilities and Maintenance<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/new-build-vs-existing\/\">New-Build vs Existing Property in Italy: Which Should You Buy?<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/selling-your-italian-property\/\">Selling Italian Property: Tax, Timing and What to Expect<\/a><\/li><\/ul>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>By\u00a0Thomas Moroder\u00a0\u00b7 Pending review\u00a0\u00b7 Last reviewed\u00a026 april 2026\u00a0\u00b7\u00a07 minutes\u00a0read Introduction Foreign buyers can sometimes get an Italian mortgage, but the process is slower and more conservative than many expect. The issue is not whether Italy has mortgages. It does. The issue is whether an Italian bank is comfortable underwriting a borrower whose income, tax returns, &#8230; <a title=\"Getting a Mortgage in Italy as a Non-Resident\" class=\"read-more\" href=\"https:\/\/www.realestate.it\/en\/buying-guide\/mortgages-for-non-residents\/\" aria-label=\"Read more about Getting a Mortgage in Italy as a Non-Resident\">Read more&#8230;<\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"parent":6087,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_import_markdown_pro_load_document_selector":0,"_import_markdown_pro_submit_text_textarea":"","footnotes":""},"class_list":["post-6217","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Getting a Mortgage in Italy as a Non-Resident<\/title>\n<meta name=\"description\" content=\"How foreign and non-resident buyers can finance Italian 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