I help English and French-speaking expats navigate the Italian mortgage process — from first question to notaio signature.
The most common assumption: "I can't get a mortgage in Italy as a foreigner." So people move capital, liquidate investments, and buy outright — sometimes missing better financial structures in the process.
The reality: some Italian banks do offer mortgages to non-residents and recent arrivals. Conditions are more specific — typically 60% LTV vs 80% for residents — and not every bank will do it. But it is not impossible. It just requires knowing which doors to knock on.
Ask me about your situation →Why work with me
I've navigated the Italian system as a foreigner — I know exactly where it gets hard and where it doesn't need to be.
Five years in Paris before Milan. Your questions get answered in your language — with no nuance lost in translation.
With no Italian credit history. I know the process from the inside — not just professionally, but personally.
Access to the full Italian mortgage market — including banks that rarely advertise to expats.
How it works
We assess your situation: residency status, income source, timeline, tax regime. I tell you honestly what's possible.
Not all Italian banks work with expats. I know which ones do — and how to present your file to maximize approval chances.
I guide you through every document — translated, explained, submitted correctly. No surprises.
From pre-approval to closing: typically 60–90 days. I'm with you at every step.
What clients say
FAQ
Yes, in many cases. Some Italian banks offer mortgages to non-residents and recent arrivals under specific conditions. The key variables are your residency status, income source, and which bank you approach. Not all Italian banks are equally open to expat clients — working with an advisor who knows which doors to knock on makes a significant difference.
From pre-approval to closing (notaio), expect 60 to 90 days. If you have a tax residency deadline — such as the Impatriati regime fiscal year cutoff — start the mortgage process well before you find the property.
Not necessarily. Some Italian banks offer mortgages to non-residents, though typically at around 60% loan-to-value (vs 80% for residents) and with stricter documentation. For non-residents, working with a specialist advisor is especially important.
The Impatriati regime offers a 50% income tax exemption for workers relocating to Italy (60% with minor children), valid for 5 years with no extension. To benefit, you must establish fiscal residency — which requires a registered home address in Italy. If you're buying property as part of your relocation, timing is critical: the Italian mortgage process takes 60–90 days, so start early.
Yes — French is my second mother tongue. I lived in Paris for five years before moving to Milan, and I work with francophone clients entirely in French, from first call to final signature.
Yes. I assist clients buying anywhere in Italy — Milan is my base, but I regularly work with clients buying primary residences on Lake Como, in Liguria, Versilia, and other premium locations. The mortgage process is the same; I coordinate remotely for properties outside Milan.
Non-residents can typically borrow up to 60% of the property value (loan-to-value). Residents can access up to 80% LTV. Income multiples and affordability assessments follow Italian banking criteria, applied to your specific income structure — which varies by bank. I help you identify the right bank for your income profile.
Typically: passport, codice fiscale (Italian tax ID), last 2–3 years of income documentation (payslips, tax returns, or company accounts if self-employed), bank statements, and property details. Requirements vary by bank and profile. I guide you through every document — translated, explained, and submitted correctly.
Free 20-minute call — no commitment. Tell me your situation and I'll tell you what's possible.
Ready to talk? Pick a slot that works for you — calls are 20 minutes, in English or French.
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