Guide for buyers
Mortgage for non-residents buying property in Italy
Financing depends on lender, income, country, currency, property and transaction structure. An initial indication is not final funding.
What to check
Prepare the borrower
Identity, tax residence, income, liabilities and source of equity need documentary evidence.
Prepare the property
Valuation, title and compliance can stop funding even when income is sufficient.
Manage currency and timing
Exchange, translation, accounts and underwriting belong in the contract calendar.
Coordinate offer conditions
Finance protection in an offer requires wording and dates agreed with advisers.
Records to collect
- income and tax dossier
- evidence of equity
- initial property records
- lender terms and timetable
Case-specific checks should be completed by appointed professionals before irreversible commitments. This information does not replace notarial, legal, tax or technical advice.
Frequently asked questions
What deposit is required?
There is no universal percentage; each lender assesses the file.
Does pre-approval guarantee funding?
No. Borrower, record and property checks remain.
Can I sign before valuation?
That risk should be coordinated through finance conditions and legal advice.
Primary sources
- Banca d’Italia — guide sul mutuo, accessed 4 September 2026.
- Consiglio Nazionale del Notariato — Mutuo, accessed 4 September 2026.