Apply for an Italian Mortgage as a Non-Resident

Can Non-Residents Get a Mortgage in Italy?

Yes! Italian banks offer mortgages to non-residents, typically covering up to 60-70% of the property's value. The loan terms vary, but with the right support, securing financing can be straightforward. Understanding Italy mortgage rates for foreigners and the non-resident mortgage Italy requirements is key to a successful application.

Italian Mortgage Requirements for Non-Residents

To apply for an Italian mortgage as a foreigner, you will need:

✅ Valid passport (or EU national ID)
✅ Italian tax code (Codice Fiscale) – required for any financial transaction in Italy
✅ Proof of income – bank statements, payslips, or tax returns proving affordability
✅ Property details – preliminary purchase agreement and property valuation
✅ Bank reference letter – some lenders may request proof of financial stability

Each bank has specific requirements, and the Italy expat home financing process may differ based on your nationality, income type, and property location.

Italy Mortgage Rates for Foreigners

Italian mortgage rates are generally competitive compared to other European countries. Interest rates for non-residents depend on:

🔹 Fixed vs. variable rates – Fixed rates offer stability, while variable rates may be lower initially.
🔹 Loan term – Italian mortgages typically range from 10 to 30 years.
🔹 Lender policies – Different banks have different mortgage options for non-residents.

At LikeJunco, we help you compare mortgage rates and find the best loan structure tailored to your financial situation

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‍The Mortgage Application Process

Applying for an Italian mortgage as a non-resident involves several steps:

1️⃣ Preliminary Consultation – Assess eligibility, budget, and financing options.
2️⃣ Prepare Documentation – Gather income proof, tax code, and other required documents.
3️⃣ Bank Selection & Application – Submit the mortgage request to the best-suited Italian bank.
4️⃣ Property Valuation & Approval – The bank evaluates the property and finalizes the loan.
5️⃣ Sign the Mortgage & Finalize the Purchase – Complete the process with a notary in Italy.

With LikeJunco, you receive customized advice and support tailored to your individual needs and financial situation.

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Why Work with LikeJunco?

Navigating the Italian banks mortgage process for non-residents can be complex. At LikeJunco, we:

✔ Simplify the process – Handling paperwork and bank negotiations for you.
✔ Ensure the best rates – Helping you find competitive mortgage terms.
✔ Guide you every step of the way – From pre-approval to finalizing your purchase.

Start Your Italian Property Journey Today!

If you're considering buying a home in Italy, don't let financing challenges hold you back. Reach out today to learn more about the loan process with LikeJunco. We’re here to help you apply for an Italian mortgage as a non-resident and make your dream home a reality!

📩 Contact us today for a consultation!

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