Can foreigners get a mortgage in Greece in 2026?

Lenders favour stable euro income paid into a Greek account, an AFM, employment beyond probation, a clear surplus and a residence status that looks durable for the loan term: Open a bank account and Apply for a residence permit.

EU residents who already live and bank locally usually see more products than newcomers on short titles or people paid only in another currency. Self-employed and remote earners should expect thicker packs and higher equity. Budget transfer tax, notary and other cash costs beside the loan: Property purchase costs and Condominium fees.

Many investor-residence purchases are cash-led to meet published thresholds; a mortgage may not fit that strategy even when a bank would otherwise lend. Treat Golden Visa rules and bank credit as separate checklists. Renting remains the lower-friction first year for many movers: How to rent a home.