Mortgage Guides
for Expats in Italy
Practical, numbers-first guides to help you understand the Italian mortgage process, the real costs involved, which tax regime applies to you, and whether a mortgage or cash purchase makes more sense.
Italian Residency for Non-EU Citizens
Three routes to Italian residency for non-EU nationals — Elective Residency Visa, Digital Nomad Visa, and Investor Visa. Comparison table, timelines, and the key question: how does residency status affect your mortgage?
Read the guide →Tax Regimes for New Residents
Italy offers some of the most competitive tax regimes in Europe for new residents: Impatriati (50% income exemption, 60% with a minor child), €300k Flat Tax, pensioners' 7% flat rate, and Prima Casa benefits. Understand which applies to you and when to activate it.
Read the guide →Mortgage Costs in Italy
Beyond the interest rate: notaio fees, mortgage registration tax, property survey, bank fees, and insurance. A full breakdown of what an Italian mortgage actually costs, with indicative figures for different loan sizes.
Read the guide →Mortgage vs Cash
Most foreigners buy in Italy with cash — not because it's optimal, but because they assume it's the only option. This guide walks through the financial case for using a mortgage even when you can pay outright, with real numbers.
Read the guide →Impatriati Regime
Italy's tax break for people relocating from abroad — 50% of Italian-source income exempt from tax for 5 years, 60% with a minor child. Who qualifies, how to apply, and how it interacts with your mortgage timeline.
Read the guide →€300k Flat Tax
Italy's lump-sum €300,000 annual tax on all foreign-source income — designed for high-net-worth individuals relocating to Italy. How it works, who it's for, and how to combine it with a mortgage structure.
Read the guide →Pensioners' 7% Flat Tax
Italy's flat 7% tax on all foreign-source pension income for retirees who move to municipalities under 20,000 inhabitants. Who qualifies, which regions are eligible, duration (up to 9 years renewable), and what it means for affordability.
Read the guide →Prima Casa Benefits
Italy's primary residence tax relief — reduced registration tax (2% instead of 9%) and lower mortgage registration costs. Who qualifies as an expat, the timing requirements, and how to use it alongside an Italian mortgage.
Read the guide →Working with a Mortgage Broker
Italian mortgages for non-residents are not standard products. What a specialist broker actually does, how the fee structure works (1%–4% success fee, payable at closing), and why a generalist broker rarely has the operational knowledge for expat profiles.
Read the guide →Italian Mortgage Glossary
Plain-English definitions of 23 terms every foreign buyer encounters: rogito, perizia, LTV, codice fiscale, caparra confirmatoria, compromesso, TAEG, Procura Speciale, and more.
Read the glossary →Mortgage on a New Partita IVA
You relocated, your foreign employer would not run an Italian payroll, so you invoice them through a new partita IVA. How some lenders assess that income on continuity instead of the registration date — and what has to be documented before they will.
Read guide →Buying an Apartment in Milan
Milan is Italy's deepest urban market and where most foreign buyers relocating for work actually land. Five buyer profiles and the LTV each one supports, prices by neighbourhood, buying new-build, and what changes if you let the flat out.
Read guide →Your nationality matters too
Which banks consider your file — and on what terms — depends on where you live and how your income is structured. Find your profile.
Find your nationality profile →Questions about your specific situation?
Free 30-minute call — I'll walk through which tax regime applies, what the mortgage would cost, and whether it makes financial sense given your numbers.