Italian Mortgage Advisor
for Expats — Milan
Christina Carey · Mortgage Advisor · Facile.it
An American in Milan, I help English, French and Italian-speaking expats and Italians living abroad navigate the Italian mortgage process — from first question to notaio signature.
Most foreigners buying in Italy
pay cash. They don't need to.
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 →Find your profile
Every expat situation is different
Who are you?
US Citizens
USD income, FATCA, no EU treaty — the right banks exist.
Your guide →European Expats
EU, British and Swiss buyers — structural advantages, but specifics vary.
Your guide →Italiani all'Estero
AIRE registry — Italian citizenship changes the picture significantly.
Your guide →Rest of the World
Dubai, Canada, Australia, Asia — complex profile, but possible.
Your guide →Your goal?
Relocating to Italy
Moving your life to Italy — Impatriati regime, residency, timing.
Your guide →Investing & Holiday Home
Buying without relocating — non-resident LTV, rental income, strategy.
Your guide →Retiring in Italy
Pension income accepted — 7% flat tax regime for eligible retirees.
Your guide →Why work with me
Specialist advisor.
Inside knowledge. Zero friction.
I focus exclusively on complex international profiles — non-residents, Impatriati, HNWI, AIRE. Not a generalist broker.
Read client stories →Native English, fluent French (5 years in Paris) and Italian. I obtained my own Italian mortgage as a foreigner with no credit history — I know the process from the inside, not just professionally. Partner Advisor at Facile.it.
Access to the full Italian mortgage market — including banks that rarely advertise to expats.
How it works
Four steps to your Italian mortgage
Free 30-min call
I assess your situation: residency status, income source, timeline, tax regime. I tell you honestly what's possible.
I find the right bank for your profile
Not all Italian banks work with expats. I know which ones do — and how to present your file to maximize approval chances.
I prepare your file with you
I guide you through every document — translated, explained, submitted correctly. No surprises.
You sign at the notaio
From pre-approval to closing: typically 60–90 days. I'm with you at every step.
What clients say
Real stories from expat buyers
FAQ
Frequently asked questions
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 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 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. Your advisor guides you through every document — translated, explained, and submitted correctly.
Go deeper
Guides for expat buyers
Impatriati Regime
50% income tax exemption for relocating workers — and why timing is critical.
Read guide →€300k Flat Tax
Italy's lump-sum regime for high-net-worth new residents — and what it means for your mortgage.
Read guide →Pensioners 7% Tax
Retiring to Italy? The 7% flat tax for foreign pensioners in qualifying Southern locations.
Read guide →Mortgage vs Cash
Why smart expat buyers use a mortgage — even when they can pay cash. The financial case, with numbers.
Read guide →Mortgage Costs
Every fee, tax, and expense — with a worked example on a €400k property.
Read guide →Quick eligibility check
Can you get an Italian mortgage?
4 questions — takes less than a minute.
What best describes your situation?
Ready to explore your options?
Free 30-minute call — no commitment. Tell us your situation and we'll tell you what's possible.
Book a call
Ready to talk? Pick a slot that works for you — calls are 30 minutes, in English, French or Italian.
Book on Calendly →