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Mortgage in Italy for foreigners
Top Italian Mortgage is an Italian credit brokerage company, specialized in securing mortgages on properties in Italy for foreigners, as well as working with Italian citizens resident outside of Italy with foreign income.
We work with our clients to find a mortgage in Italy for purchasing or renovating a property
Acceptance Criteria
Find out whether you meet the specific requirements to qualify for a mortgage in Italy.
Check your mortgage eligibility Check your mortgage eligibility
Who is eligible?
- Personal applicants (corporate mortgages at our discretion);
- Income currency: EUR, GBP, USD, CAD, CHF,
- Residents in the countries in which the currencies mentioned above apply;
- Applicants both in regular employment and self-employed;
For income generated in a currency other than EUR, GBP, USD, CAD, CHF and for citizens of countries with other currencies we suggest booking a personalized consultation to provide in-depth information about your profile and receive feedback on the possibility of taking out a mortgage in Italy.
Eligible for finance?
Purchase of primary residence or holiday home
- Habitable property fully compliant with local regulations;
- Max 60% of the purchase price;
- Max duration: 25 years;
Small renovation of first or holiday home
- Required: tender documents and building permits;
- Funding for up to 50% of the final value of the property;
- Mortgage payable in a lump sum when project is complete;
Acceptance Criteria
- Max DTI ratio (debt to income) 35% of the monthly income net of the existing commitments (i.e., loans, rents, mortgage loans, etc.);
- Max age: no more than 75 years on final payment of mortgages;
- MAX duration: 25 years;
- Bank account in lender bank;
- All funds needed as equity for purchase to be transferred to the account in Lender bank before the closing date;
- All documents regarding financial status of applicant to be provided as certified translation in Italian;
Types of Mortgage
- French Amortisation Schedule (fixed instalment payments including interest and principal payment);
- Fixed rate (Max 20 years) and variable rate;
- No penalty for early redemption with both fixed rate and variable rate mortgages;
MORTGAGE CALCULATOR
Online mortgage calculator for month repayments on first/holiday home for individuals or companies.
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MORTGAGE FEES IN ITALY
Information on the costs of an Italian mortgage: registration fee, origination fee, brokerage costs etc.
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ELIGIBILITY TEST
Here's the list of preliminary questions you can answer to check your Mortgage eligibility. Take the test.
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Would you like to know the tax amount relating to your purchase?
Seller: Natural Person - First Home
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Seller: Natural Person - Holiday Home
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Seller: Company - First
Home
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Seller: Company - Holiday Home
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Very good and professional company. Always in time and strict in the appointments. They helped us for a mortgage for our holiday house on the beautiful Amalficoast. I will recommend this company to everyone.
Frederick
from NederlandsI can only recommend Top Italian Mortgage, their professionalism, competence and patience have been very important in the success of my small real estate investment in Italy. I hope to work with them again in the coming years.
Annarita
from Londra, UKAlessandro and Fidea team were exceptionally professional, constantly managed our expectations and never undelivered their promises. Really happy with the whole experience and would highly recommend Fidea. Your team went out of their way to support us and we were very highly impressed with the level of attention. The whole experience , from start to finish was managed impeccably.
Ruth and Carmelo
from UK
Mortgages in Italy • Dedicated Experts • International Support
Find out if you qualify for a mortgage in Italy: complete our free test!
Simple and fast: answer a few questions and immediately find out if you can get a mortgage for your home in Italy
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