Your Goal in Italy
Which Situation Fits You?
Whether you're moving to Italy full-time, buying a holiday home or investment property, or planning your retirement — the mortgage structure, tax implications, and timing differ significantly. Start with your goal.
Why your goal matters
Your goal shapes which banks to approach, how to structure your income file, which tax regime may apply, and how much to put down. A relocation mortgage is not the same conversation as a holiday home purchase — even for the same buyer.
Relocating to Italy
Moving your life to Italy — whether for work, lifestyle, or family. Understand how your residency status, income source, and timing affect your mortgage access, from pre-move planning to notaio signature.
Read the guide →Investing & Holiday Home
Buying a property in Italy without relocating — as a rental investment, a holiday base, or a long-term asset. Non-resident buyers have specific LTV limits (typically 60%) and fewer bank options. Learn what applies to your case.
Read the guide →Retiring in Italy
Italy's flat tax for pensioners (7% on foreign income, outside the main cities) is one of the most attractive retirement regimes in Europe. Understand how mortgage access, pension income presentation, and tax regime interact.
Read the guide →Also useful
Not sure which profile fits you? Your nationality also affects which banks will consider your file and on what terms.
Find your nationality profile →Not sure which goal fits you?
Free 30-minute call — tell me your situation and I'll map out which mortgage structure makes sense, which banks apply, and what to prepare.