FM Consulting is now part of Moonety S.B. S.r.l.

The FM Consulting brand is no longer in use. The mortgage advisory services previously offered under that name are now provided by Moonety S.B. S.r.l., an Italian company registered with the OAM as a credit mediator under number M675 and with IVASS as an insurance broker under RUI number B000818533. Former clients and new clients can contact Moonety at info@moonety.com or on WhatsApp at +39 320 330 8159.

Files in progress continue with Moonety S.B. S.r.l. without interruption, and the phone numbers remain the same. If the transition requires any document to be updated or signed again, the Moonety team will contact the client directly. For any question about an open file, clients can write to info@moonety.com.

Yes. Non-residents can obtain a mortgage from an Italian bank to buy a first home, a second home or a holiday home in Italy. The bank assesses a stable monthly income, such as a salary or a pension, together with existing debts, assets and the overall financial profile. Income earned abroad and in a foreign currency can be accepted, but the file must be documented carefully. Moonety, an OAM-registered credit mediator (M675), analyzes the profile, prepares the application and selects the most suitable lender.

As of 2026, Italian banks generally offer non-residents mortgage terms of 5 to 20 years, and the loan must be fully repaid by the borrower's 75th birthday. Foreign buyers who are tax residents in Italy may be considered for terms of up to 30 years, within the same age limit. The term directly affects the monthly installment, so it is assessed together with the borrower's income.

Italian banks base their assessment on a stable monthly income: a salary or a pension in payment. Income from investments, dividends or rental properties is taken into account and strengthens the application, but it does not replace a regular income, because it is not guaranteed month by month. Retirement savings still in the accumulation phase are considered assets, not income.

Not for most of the process. Documents are collected and reviewed digitally, and communication with the Moonety team takes place by email, phone or video call. The notarial deed can be signed in person in Italy or, if the client cannot travel, through a power of attorney granted to a trusted person.

Fire and explosion cover on the mortgaged property is a standard condition of Italian mortgages, and the client can choose the insurance company as long as the policy offers equivalent guarantees. Life insurance is not required by law. If a bank makes the loan conditional on a life policy, Article 28 of Decree-Law 1/2012 requires it to present at least two quotes from insurance groups not related to it, and to accept an equivalent policy chosen by the client on the market. As a registered insurance broker, Moonety helps clients compare these options.

No. Moonety S.B. S.r.l. is a credit mediator registered with the OAM under number M675. It does not grant loans, does not hold client funds and does not make credit approval decisions. Approvals and disbursements are made exclusively by lending institutions. Moonety’s role is to assess feasibility, prepare a complete file and accompany the client through to the deed.

On the OAM Register of Credit Mediators, under number M675, and on the IVASS Single Register of Insurance Intermediaries (RUI), Section B, under number B000818533. Both registers are public and free to consult online, with no login required.