Can foreigners get a mortgage in Italy in 2026?

Expect a passport or identity card, codice fiscale, proof of address, employment contract, payslips, tax returns, bank statements, existing debt records, and evidence of savings. Self-employed applicants may need business accounts and several completed tax years.

Foreign documents may require certified translation, apostille, or legalisation. Ask the lender for its exact format before paying for translations.

The property file can include the purchase proposal or preliminary contract, cadastral plan and extract, title records, APE energy certificate, planning documents, and condominium information. The bank orders its own perizia, or valuation.

The bank lends against the lower acceptable value under its policy and valuation, not whatever price you offered. Non-residents often face a lower loan-to-value limit than established Italian residents, so prepare for a substantial deposit.

Keep cash for purchase taxes, notary, agent, surveyor, lawyer, translation, bank fees, valuation, insurance, and renovation. These costs may not be financed.

If income is in dollars, pounds, francs, or another currency while the mortgage is in euros, exchange-rate movement can change affordability. The lender may stress this risk.

Use the European Standardised Information Sheet, or ESIS, to compare rate type, APRC, monthly payment, fees, early repayment, tied products, and consequences of default. A low headline rate can come with required insurance or account costs.

The mortgage deed, atto di mutuo, is signed before the notaio, often around the property rogito. The notary registers the mortgage security.

Do not sign a binding proposal or compromesso without a clear mortgage condition unless you can complete in cash. Losing finance does not automatically release you from an unconditional deposit.