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Subscribe to Italy Per Te
Visas, property and life in Italy, once a week. Plus our free visa guide.
Free. Unsubscribe anytime.
Grazie! Check your email (and SPAM/Promotions) to get the guide.
Something did not go through. Please try again, or write to us at ciao@smartmoveitaly.com.
Buying a home in Italy? Find out if you may qualify for a mortgage as a foreign buyer, with financial preparation from an Italian commercialista instead of broker fees.
Financial preparation, not brokerage. Neither Smart Move Italy nor our commercialista, Dott. Simone Magherini, acts as a mortgage broker. Our role is financial preparation, documentation and administrative support. We do not arrange or guarantee financing, and final decisions always rest with the bank.
Typical bank limits depend on whether you live in Italy.
Up to 50%
of the purchase price
Up to 80%
of the purchase price
All lending is subject to bank approval.
If you can approach an Italian bank directly, you do not need to pay a broker. What you do need is proper financial modelling to present your request.
That is what our commercialista prepares for you: your financial model and documentation, ready for the bank's evaluation.
Check My EligibilityTell us about your finances and your purchase plans.
Dr. Magherini reviews your information, prepares a financial model and makes preliminary enquiries to see whether a bank may be interested. You receive a short written assessment.
If a bank is interested and you wish to proceed, he prepares and organizes your documentation, with the aim of a preliminary lending assessment similar to a pre-approval.
Once you find a property, we help coordinate the financial documentation and communication as your application moves forward, including translations.
No. Neither Smart Move Italy nor Dr. Simone Magherini acts as a mortgage broker. Our role is financial preparation, documentation and administrative support, not arranging or guaranteeing mortgage financing. Final decisions always rest with the bank.
Not necessarily. If you can approach a bank directly, you do not need to pay a broker. What you do need is proper financial modelling and documentation to present your request, and that is what Dr. Magherini prepares.
Dott. Simone Magherini is an experienced Italian commercialista we work with. He reviews your finances, prepares your financial model and documentation, and supports you through the bank's evaluation.
In many cases, yes. Italian banks lend to non-residents and to residents with foreign income, but their requirements are stricter than for locals, and how your finances are prepared and presented makes a real difference. Our questionnaire shows you where you stand.
Non-residents can usually borrow up to 50 percent of the purchase price, so you need around 50 percent in cash. Residents with foreign income in an accepted currency can borrow up to 80 percent. All lending is subject to bank approval.
The first stage is an initial financial evaluation, which is non-refundable. If no suitable bank is interested, the process ends there with no further obligation. Later stages are only if you choose to proceed, and we explain every fee before you commit.
Complete our free eligibility questionnaire, and we'll review your financial profile to help you understand your options.
Buying a home in Italy? Find out if you may qualify for a mortgage as a foreign buyer, with financial preparation from an Italian commercialista instead of broker fees.
Financial preparation, not brokerage. Neither Smart Move Italy nor our commercialista, Dott. Simone Magherini, acts as a mortgage broker. Our role is financial preparation, documentation and administrative support. We do not arrange or guarantee financing, and final decisions always rest with the bank.
Typical bank limits depend on whether you live in Italy.
Up to 50%
of the purchase price
Up to 80%
of the purchase price
All lending is subject to bank approval.
If you can approach an Italian bank directly, you do not need to pay a broker. What you do need is proper financial modelling to present your request.
That is what our commercialista prepares for you: your financial model and documentation, ready for the bank's evaluation.
Check My EligibilityTell us about your finances and your purchase plans.
Dr. Magherini reviews your information, prepares a financial model and makes preliminary enquiries to see whether a bank may be interested. You receive a short written assessment.
If a bank is interested and you wish to proceed, he prepares and organizes your documentation, with the aim of a preliminary lending assessment similar to a pre-approval.
Once you find a property, we help coordinate the financial documentation and communication as your application moves forward, including translations.
No. Neither Smart Move Italy nor Dr. Simone Magherini acts as a mortgage broker. Our role is financial preparation, documentation and administrative support, not arranging or guaranteeing mortgage financing. Final decisions always rest with the bank.
Not necessarily. If you can approach a bank directly, you do not need to pay a broker. What you do need is proper financial modelling and documentation to present your request, and that is what Dr. Magherini prepares.
Dott. Simone Magherini is an experienced Italian commercialista we work with. He reviews your finances, prepares your financial model and documentation, and supports you through the bank's evaluation.
In many cases, yes. Italian banks lend to non-residents and to residents with foreign income, but their requirements are stricter than for locals, and how your finances are prepared and presented makes a real difference. Our questionnaire shows you where you stand.
Non-residents can usually borrow up to 50 percent of the purchase price, so you need around 50 percent in cash. Residents with foreign income in an accepted currency can borrow up to 80 percent. All lending is subject to bank approval.
The first stage is an initial financial evaluation, which is non-refundable. If no suitable bank is interested, the process ends there with no further obligation. Later stages are only if you choose to proceed, and we explain every fee before you commit.
Complete our free eligibility questionnaire, and we'll review your financial profile to help you understand your options.
