MortgagePropertiesHow to Sell a House in Italy with a Mortgage

27 June 20230

When it comes to selling a property in Italy with a mortgage, the path may seem labyrinthine, but with the right information and guidance, the process becomes significantly smoother. Whether you’re an Italian resident or an expat, the process is relatively the same, just be prepared for a few extra steps.

The Mortgage Conundrum

Yes, it’s absolutely possible to sell a property in Italy even if it has a mortgage on it. The mortgage is a loan usually of medium to long duration and many years might be needed to pay it off, especially when taken out for the purchase of a property.

Do Your Homework

Before you dip your toes into the market, it’s imperative that you do your research1. Understand the property prices in your area and the state of the market. Is the supply and demand balanced? Are there many similar properties on offer in your area? If so, you’re in for some competition1.

Get Your House in Order

Literally and metaphorically! Ensure all documentation related to your property is in place. This includes property deeds, cadastral plans, proof of meter readings, Energy Performance Certificate, any outstanding mortgage loans against the property, and rental agreements if applicable. Additionally, it’s also beneficial to spruce up your home. Declutter, carry out minor repairs, and consider home staging techniques to make your property more appealing.

Set the Right Price

A crucial step is valuing your property correctly. Overpricing can delay the selling process. You can seek help from property valuation experts or real estate agencies who are well-versed in the local market to set a reasonable and attractive price for your home.

Beware of Extra Costs

Selling property in Italy isn’t just about the profit you make. You also need to keep in mind the extra costs and expenses you will have to face, including tax on selling property in Italy.

Reaching out to Potential Buyers

Nowadays, digital marketing can be a powerful tool to reach potential buyers. Consider listing your property on popular property websites, leverage social media channels, and don’t underestimate the power of good old word-of-mouth.

Legal Assistance

It’s often beneficial to have a bilingual expert in the Italian property market on your side. They can help navigate the legal intricacies of selling property in Italy, especially with a mortgage.


Selling a property in Italy with a mortgage may seem daunting at first, but with the right steps and guidance, it can be a manageable task. Don’t rush the process, take the time to research and seek professional help when needed

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