For many British citizens, buying property in Italy is more than a dream—it’s a lifestyle goal. From sun-soaked beaches to charming countryside villages, Italy continues to attract UK buyers in search of a better pace of life, stunning real estate, and rich cultural experiences. Here’s your expert guide to making it happen.
Why So Many Brits Are Buying Property in Italy
Despite Brexit, the desire among UK residents to own a home in Italy hasn’t slowed down. In fact, it’s increased. Italy offers:
- Authentic lifestyle: Excellent food, slower pace, and community living
- Beautiful and varied regions: From Tuscany to Puglia and the Italian Lakes
- More affordable real estate: Especially compared to the UK property market
- Climate and quality of life: Long summers and a strong health system
- Accessible travel: Direct flights to all major Italian cities from across the UK
Can Brits Still Buy Property in Italy After Brexit?
Yes—British citizens can absolutely buy property in Italy. There are no restrictions for UK nationals purchasing real estate, even after Brexit.
What has changed is your residency status. As a non-EU buyer, you’ll now need a visa for stays longer than 90 days. However, this does not affect your ability to purchase a home.
Where Are Brits Buying in Italy?
Popular destinations among UK buyers include:
- Tuscany: For timeless countryside villas and access to Florence
- Le Marche: A quieter, more affordable version of Tuscany
- Puglia: Stunning beaches, trulli homes, and exceptional value
- Lakes Region: Lake Como and Lake Garda offer beauty and strong rental potential
- Umbria: Peaceful, green, and full of historic charm
Can British Citizens Get a Mortgage in Italy?
Yes—you can get a mortgage in Italy as a British citizen. Italian banks offer financing to non-residents.
How it works:
- Loan-to-Value (LTV): Up to 60–70% of the property value
- Interest Rates: Competitive, often lower than in the UK
- Documentation Required: Proof of income, UK bank statements, passport, and tax returns
- Currency Considerations: Mortgages are in EUR, so plan for exchange-rate movements
The Buying Process for British Buyers
Step 1: Property Search
Start exploring homes that suit your lifestyle and budget.
Step 2: Make an Offer and Sign the Preliminary Contract (Compromesso)
This secures the sale with a deposit (typically 10–30%).
Step 3: Get Your Mortgage
Apply to an Italian bank that lends to non-residents, directly or through a regulated broker. The bank will order a property valuation.
Step 4: Final Deed Signing (Rogito)
A notary finalizes the sale, and you become the legal owner.
Additional Costs to Expect
When buying property in Italy, factor in around 7–10% on top of the purchase price for:
- Purchase taxes (varies based on residency and property type)
- Notary fees
- Real estate agent commissions
- Legal and translation services
- Currency exchange or transfer fees
Visa Options for British Buyers
While you don’t need residency to buy, you do need one if you want to stay in Italy long-term. Popular visa options include:
- Elective Residency Visa: Ideal for retirees with sufficient income
- Digital Nomad Visa (coming soon): For remote workers
- Work or Business Visa: For those relocating with employment
Make Your Italian Dream a Reality
