Italian mortgages for non-residents, explained before you speak to a bank

Find out what you can afford, how much deposit Italian banks ask foreign buyers for, and what buying a home in Italy really costs.

See how buying in Italy works

What could you buy in Italy?

A quick estimate based on how Italian banks assess non-resident buyers. Nothing you type leaves this page.

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Estimated maximum purchase price
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Mortgage
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Deposit from your savings
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Taxes, notary and agency (est.)
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Indicative only, not a loan offer or financial advice. Banks also look at your country of residence, currency, employment type and credit history. Purchase costs of around 10% assume a second home bought from a private seller.

What a €250,000 home in Italy really costs

A worked example: a second home bought from a private seller by a non-resident, with a 60% mortgage over 25 years at 4%.

Purchase price€250,000
Mortgage (60%)€150,000
Deposit from your savings€100,000
Registration tax (9% of a €80,000 cadastral value)€7,200
Land registry and cadastral taxes€100
Notary, purchase deed€3,000
Agency fee (3% + VAT)€9,150
Mortgage tax (2% of the loan, second home)€3,000
Notary, mortgage deed€2,000
Bank arrangement fee and valuation€1,300
Purchase costs€25,750
Cash you need€125,750
Monthly mortgage payment€792

Illustrative figures. The registration tax is calculated on the cadastral value, not the price, and drops to 2% for a main residence. Notary, agency and bank fees vary. Buying from a developer means VAT instead of registration tax.

Run your own numbers

Hilltop village in central Italy

Plan your purchase in three steps

Do the groundwork yourself, at your own pace, and arrive at the bank with clear numbers.

Step 1

Set your budget

Use the calculator to see how your savings and income translate into a purchase price under Italian lending rules.

Open the calculator
Step 2

Understand the process

Codice fiscale, proposal, preliminary contract, notary deed: what happens when, and what it costs.

Read how buying works
Step 3

Prepare your application

Our non-resident buyer's guide lists the documents banks ask for in each country and how to compare offers.

Get the guide

Where to buy

Regional guides with prices, neighbourhoods and what foreign buyers should know.

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