Moving abroad and buying property in Italy can be a daunting experience, especially if you don't speak the language, or if you don't have the right advice or guidance. Here at idealista, we are here to help you every step of the way when it comes to moving to Italy; consult a wide range of properties for sale throughout Italy, studies about the best places to live in Italy for expats and even the paperwork needed to buy a house in Italy as a foreigner.
Today, we're going to focus on the financial side of things, an unavoidable and highly important part of the buying process in Italy. After searching for your dream home in the Bel Paese, before the deal is closed and before you can finally make the move, there is a critical step that will have to be considered for the majority of buyers: taking out a mortgage. This is often the stage where most questions and doubts arise for expat buyers. "Which type of mortgage is best? Am I eligible for a mortgage in Italy? There are so many banks I don't know which one to choose!"
It was precisely to help answer questions like the ones above and to bridge the gap between banks and house buyers applying for a home loan that gave rise to the figure of the credit intermediary in the real estate market in Italy and across the world. Also known as a mortgage broker or a mortgage advisor, it's time to have a look at some of the main advantages of counting on the help a mortgage broker when applying for a mortgage in Italy.
Save money and get the best deal
A job of a mortgage broker isn't just to answer your mortgage questions, but also to help you find the best deal. The best mortgage brokers know the market very well and know a good or bad deal when they see one, while also being able to inform you about other fees that may apply when taking out a mortgage in Italy.
Save time when applying for a mortgage
Good mortgage brokers are all about getting the job done and getting you the best mortgage without any hassle. By taking your circumstances into consideration, a mortgage broker should only show you the mortgage deals that you have an realistic chance of being approved for by banks and mortgage lenders. This means that you aren't wasting time applying for mortgages in Italy that will never realistically be approved.
You can consider a wider range of mortgages
A mortgage broker will explain the different home loan options offered by the market in Italy, detailing the conditions of each product so that clients get the full picture. On top of this, brokers will often be able to get special conditions from banks due to a high volume of customers and present more options than if you were to approach the bank by yourself.
Get expert advice
Moving to a different country has lots of challenges, especially when you don't know the market, things are usually different compared to your country of origin and to top it all off, everything is in a different language. In this case, mortgage experts are a great asset. You may have to do some extra research to find an English speaking advisor in Italy, or at least a translator, but the bottom line is that mortgage brokers are qualified to help you find a mortgage and give you financial advice when buying a home in Italy, and will be able to help you every step of the way in the mortgage application process, as well as advise you on mortgages for expats as the conditions can ofen be different compared to Italians.
Help with the paperwork
As with a lot of things in Italy, the world of mortgages and buying a house is abundant in tedious paperwork. However, the majority of mortgage brokers and advisors in Italy will send your mortgage application directly to banks, while the process is also becoming more and more digitalised.
- Begin you mortgage search by using the idealista mortgage calculator to find the best mortgage for your property in Italy
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