Finance prime residential property in Milan, the Italian Lakes and Tuscany. We structure mortgages from €1M and manage the process through completion.
Discuss your project
Prime mortgage markets
Italian mortgage decisions combine repayment capacity, foreign-income analysis, the property and the bank’s ability to onboard the buyer’s residence and ownership structure.
These representative structures show how we prepare international borrowers for Italian private-banking teams. Final terms remain subject to the complete file, property and bank approval.
Representative structures
Prime property networks
Representative structureFamily office principal · Switzerland
Lives in Geneva
Target market Lake Como
Cross-border assets and family-company income structured around a historic lakeside residence.
Representative structureTechnology executive · Singapore
Lives in Singapore
Target market Milan
Foreign salary, equity compensation and portfolio assets prepared for an urban prime acquisition in Brera.
We establish a viable banking route before the proposal or preliminary contract fixes the commercial timetable. The lender then underwrites the borrower and the property in parallel.
We coordinate the lender, your legal and tax advisers and the notaio. Identity, fiscal-code, ownership and reciprocity questions are resolved early for international buyers.
Discuss your project24 to 48h
We review residence, nationality, foreign income, assets, ownership plan and target property, then identify banks equipped for the file in Italy.
3 to 6 weeks
We prepare the cross-border credit memorandum, place it with suitable Italian or international teams and coordinate valuation and compliance.
3 to 5 weeks
We manage the bank workstream alongside the notaio and advisers through the preliminary agreement, mortgage deed and release of funds.
Common client profiles
Our European mortgage practice is led from Paris. Hervé supports US and Americas-based buyers from Boston. Your financing stays with a senior adviser from first review to closing.
Senior partners · Europe & United States
Founding Partner
Paris, FranceUnited Kingdom · Africa · Asia
Partner · Europe
Paris, FranceEurope · Middle East · Oceania
Partner · Americas
Boston, USANorth America · LATAMFrench registration
Mortgage intermediation is a regulated activity. Our registration, permitted activity and responsible authority can be checked directly in France’s official register.
Official registration
ORIAS N° 25008593Mortgage-credit intermediation · JAYLO SASORIAS maintains France’s official register of insurance, banking and finance intermediaries under the authority of the French Treasury. The public record identifies the intermediary’s registered activity and names the ACPR as the authority responsible for this category.
Yes, but lender appetite varies substantially by residence, nationality, income currency and property. The bank route should be tested before relying on finance in a purchase commitment.
Our focus is Milan, Lake Como and the wider Italian Lakes, Tuscany and Florence, Rome, and selected prime coastal and resort markets.
A codice fiscale is part of the purchaser’s formal document set. Your notaio or legal adviser should confirm the application and all documents required for your specific ownership structure.
The Italian notaio may need to verify reciprocity and the buyer’s legal capacity on a case-by-case basis. This should be checked before the preliminary contract, not left until completion.
Much of the file can be prepared remotely. The bank and notaio will determine which original, translated, apostilled or power-of-attorney documents are required.
Before a binding purchase proposal or preliminary contract. The deposit, finance assumptions and completion timetable need to reflect a realistic international mortgage process.
Share the location, budget and financial profile. A senior partner will review likely Italian bank appetite within one business day.
Journal
In Italy, the borrower, the property and the legal route are reviewed in parallel. International buyers should settle reciprocity, ownership, documentation and bank fit before a proposal becomes binding.
By Louis-Félix Salley · 10 min read
The best financing route is defined by the borrower, the property and the desired structure—not by a rate table. Here is how conventional and private-bank underwriting differ.
By Louis-Félix Salley · 10 min read
A Spanish mortgage is not only a valuation and an interest rate. For an international buyer, residence, foreign income, the purchase contract and the statutory pre-signing process must all work together.
By Louis-Félix Salley · 10 min read