How to Get a Mortgage in Italy as a Foreigner: A Step-by-Step Guide
Foreign buyers can secure mortgages in Italy by preparing the correct documentation, understanding local requirements, and aligning with Italian banking practices.
Read MoreFrom Aspiring Buyer to Proud Italian Homeowner
We handle the complexities so you can focus on your new life under the Italian sun.
Who We Are
Your Trusted Partner for Italian Property Financing
BuyItaly Mortgages is a specialized mortgage brokerage dedicated exclusively to helping international buyers secure financing for Italian real estate. As a Service-Disabled Veteran-Owned Business, we bring discipline, integrity, and commitment to every client relationship.
Founded by industry experts with deep connections to Italian banking institutions, we bridge the gap between international buyers and Italian lenders. Our team understands the unique challenges foreign nationals face when seeking mortgages in Italy—from navigating complex documentation requirements to overcoming language barriers and understanding local banking practices.
We work with a network of Italian banks and financial institutions to find competitive rates and favorable terms for our clients. Whether you're purchasing a vacation home on the Amalfi Coast, an investment property in Tuscany, or relocating permanently to Italy, we provide end-to-end support throughout the entire mortgage process.
Learn More About UsPre-Qualification Assessment
We evaluate your eligibility before you start house hunting, so you know exactly what you can afford.
Bank Relationship Management
We leverage our established relationships with Italian banks to secure better rates and faster approvals.
Document Preparation
We guide you through every document requirement, ensuring your application is complete and compliant.
Bilingual Support
Our team communicates fluently in English and Italian, eliminating language barriers throughout the process.
"I recently closed on my dream apartment in Milan with the help of Gaetano and Alberto — and when I say I couldn't have done it without them, I truly mean it."
"My experience working with Gaetano and his team at BuyItaly Mortgages LLC was truly better than I ever imagined it would be. They treated me with professionalism and, honestly, like I was family!"
"Best place to find a mortgage for a foreigner"
Why Choose BuyItaly Mortgages?
Expert Guidance
Our team has over 15 years of experience navigating Italian mortgage regulations and requirements for international buyers.
Personalized Service
We tailor mortgage solutions to each client's unique financial situation and property goals with attention to detail.
International Network
Strong partnerships with Italian banks and financial institutions to secure competitive rates for international buyers.
Ready to Start Your Italian Property Journey?
Take the first step towards owning your dream home in Italy. Our experts are ready to guide you through every step of the process.
Contact UsFrequently Asked Questions
Yes, US citizens can obtain mortgages in Italy. Italian banks offer mortgage products specifically designed for non-residents and foreign nationals. While the process requires additional documentation compared to Italian residents, many banks are experienced in working with American buyers and can guide you through the requirements.
Requirements typically include: valid passport, proof of income (tax returns, pay stubs), bank statements, proof of assets, Italian fiscal code (codice fiscale), and property valuation documents. Non-residents may need to provide additional documentation proving their financial stability and ability to repay the loan.
The Italian mortgage process typically takes 2-3 months from application to closing. This includes document gathering, bank evaluation, property appraisal, and final approval. Working with an experienced mortgage broker can help streamline this process and avoid common delays.
Italian banks offer mortgages for various property types including apartments, villas, rural properties, and historic buildings. However, financing may be more limited for properties requiring significant renovation or those in certain rural areas. Our team can help you understand the options available for your specific property goals.
Italian mortgage rates vary based on market conditions, loan type (fixed vs. variable), and borrower profile. Currently, rates range from approximately 2.5% to 5.5%. Non-residents may see slightly higher rates than Italian residents. Contact us for the most current rates and personalized quote.
Have more questions? We're here to help!
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