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Mortgages
in Italy
Mortgages are available in Italy for house purchases or re-financing for home improvements only.
How much you can borrow for a property is calculated on an affordability basis, using a percentage of net income, some lenders will also take into consideration rental income as well. Most lenders insist on a minimum loan advance of Euro 50,000 with a maximum term of 30 years, depending on age. Mortgages are available in a range of currencies including Euros and Stirling, amongst others. Mortgages can be arranged on a variable or fixed rate of interest with the option to fix the mortgage interest rate for a 10 or 15 year period, but this is subject to terms, conditions and acceptance from the lender at the time of application. Mortgages are arranged on a capital repayment basis only and lenders normally only allow a maximum advance of 70% of the valuation or purchase price, which ever is lower.
If you would like more details on mortgages for Italy, please complete our enquiry form and one of our Overseas Mortgage Consultants will contact you to discuss your requirements further.
