Lake Como



Italian Mortgages

Early Venetian banks provided tailored and personal finance for their wealthiest families and the term “private” banking originated from these innovative early adopters. Fortier has a well-established network comprising both domestic and private banks for all financing requests surpassing €1,000,000 in premium lending locations.

Italian Mortgages

Early Venetian banks provided tailored and personal finance for their wealthiest families and the term “private” banking originated from these innovative early adopters. Fortier has a well-established network comprising both domestic and private banks for all financing requests surpassing €1,000,000 in premium lending locations.

Mortgages in Italy


Prime real estate in Italy is typically concentrated in major cities such as Rome, Milan, Florence, and Venice, each characterised by a rich cultural heritage, historical landmarks, and a flourishing economy, making them highly sought after by both local and international buyers.

In Rome, prestigious neighborhoods like Parioli, Prati, and Aventino boast prime properties that provide convenient access to iconic attractions such as the Colosseum and Vatican City.

Milan, renowned for its fashion and business districts, features upscale apartments and penthouses in areas like Brera and Porta Nuova, catering to high-net-worth individuals.

Florence, with its Renaissance architecture and art museums, is another coveted location, offering prime properties in neighborhoods like Oltrarno and Santissima Annunziata. Meanwhile, Venice, famous for its canals and historic buildings, boasts prime real estate in areas such as San Marco and Dorsoduro.
Beyond these urban centers, other prime property locations in Italy include the Amalfi Coast, celebrated for its scenic beauty and luxury villas, and the picturesque rolling hills of Tuscany, adorned with historic villas.

Italy’s enduring appeal to jetsetters, celebrities, and high-net-worth individuals stems from its harmonious blend of history, culture, and luxury. The country continues to attract discerning buyers who seek to invest in prestigious real estate, whether it’s a villa nestled in the rolling hills of Tuscany, a waterfront property on Lake Como, or a fashionable residence in one of Italy’s vibrant cities.

How we can help

Retail Banks

Mortgage range: €1,000,000 – €5,000,000

The majority of Italian banks provides amortisation mortgages options to accommodate non-resident financing requests.

Loan to valuation (LTV).

  • Up to 80% LTV for Italian expatriates (not in US or UAE).
  • Up to 70% LTV for European & Schengen Countries.
  • Up to 60% LTV for US residents (best case scenario).
  • Up to 50% LTV for UAE & other territories.

Duration of mortgage facility.

  • Amortisation periods range from 15 to 30 years, allowing borrowers flexibility in choosing a repayment period that aligns with their financial goals.

*Interest only solutions available subject to placing assets with lender for the duration of loan period.

Key Considerations

Affordability is assessed with a stringent examination of the borrower’s income, financial stability, and credit history.
Proof of income
Proof of income over a 3-year period (average net income)
Holding structure of property
Holding structure of property – personal name or SPV (discuss with broker)
Age of borrower
Age of borrower – not suitable for borrower(s) over 65 years or retired.
Mortgage insurance
Mortgage insurance will be required from most lenders and should be considered when comparing each mortgage offer (discuss with broker for a quote).
Currency exchange
Currency exchange fluctuations can impact your repayments and will be considered by the lender. The credit department will discount the inter-bank exchange rate by a set % percentage upon mortgage application (discuss with broker for each currency).

Private Banks

Mortgage range: €2,000,000 +

Domestic and European private banks push the boundaries of conventional banks and provide alternative solutions based upon the borrower(s).

  • Up to 100% LTV
  • Interest only
  • Fixed and variable rates available
  • Maximum 5 to 15-year term
  • Assets Under Management (AUM) required to support mortgage solution (case by case).

Selecting a private bank that resonates with the financial goals and preferences of High Net Worth Individuals (HNWI) is crucial. The foundation of the relationship between a private bank and its client typically rests on trust and a profound comprehension of the client’s financial situation and objectives.

Key Considerations

Interest only
Interest only options for high-net-worth borrowers with a clear repayment strategy.
Mortgage capacity
Mortgage capacity can be stretched with a hybrid lending solution; however still follows the stress test of a retail bank.
Hybrid solution
Hybrid solution to be considered between a retail and private bank.
Assets under management (AUM)
Assets under management (AUM) is when a lender requires an investment portfolio to support might be required or cash reserve (case by case)
Banking fees
Banking fees are typically lower than private banks but higher than retail.
Mortgage insurance
Mortgage insurance is not typically required for a mortgage solution but should be considered (discuss with broker).

Explore Italy



Lake Como


Market Trend

Italy boasts a robust and well-developed mortgage market, designed to accommodate the diverse needs of both domestic residents and international buyers or investors seeking property in the country.

For international buyers, particularly those who are non-residents or non-citizens of Italy, the option to secure a mortgage is available through domestic banks or private banking institutions. The choice between these options often depends on the specifics of the financing request and the location of the property being used as collateral.

To qualify for a mortgage in Italy as an international buyer, lenders typically impose certain criteria, one of which often involves confirming a specified level of income over a period ranging from two to three years. This income verification process is intended to ensure the borrower’s financial stability and repayment capacity, aligning with responsible lending practices.

Furthermore, the expertise of lenders in navigating the nuances of international real estate transactions adds a layer of assurance for borrowers. Domestic and private banks specialising in international clientele often possess the necessary experience to guide borrowers through the intricacies of the mortgage application process, ensuring a smooth and efficient transaction.

Navigating the Italian mortgage market as an international buyer involves considering factors such as interest rates, loan-to-value ratios, and the specific requirements of each lending institution. As Italy continues to attract a global audience of property investors, the expertise offered by these lenders becomes increasingly valuable in facilitating successful real estate transactions for international buyers.