80% mortgage for my house in Rome, how to get it?

An 80 percent mortgage is one that requires you to put down 20% of the price of the house, apartment as a deposit, and borrow the remaining 80% of the property's value from a mortgage provider.

Example for an 80% mortgage

    Purchase price: €150,000 Appraisal value: €180,000 Financing: 80% of the lower value between sale and appraisal, i.e. 80% of €150,000 = €120,000

This means that taking into account that the purchase price of the house is lower than the appraisal value, the €150,000 of the purchase price (since it is the lower of the two) would be taken to calculate the financing that the bank gives you. Therefore, the customer would have to contribute a savings of €30,000 to cover the missing money up to €150,000 of the purchase price. To this must be added some expenses and mortgage fees between 10% and 15% of the price of the house. In total, more than 40,000 euros of savings must be paid by the borrower.

Frequently asked questions about 80 percent mortgages

Here are some questions about what 80 percent mortgages are and how they work.

  • How is the loan calculated for an 80% mortgage?

    How much you'll need to borrow for an 80% mortgage will depend on the value of the property you want to buy. For example, if you want to buy a property worth €250,000, you will need to be able to borrow €200,000. Whether you can borrow this amount will depend on how much you earn and what financial commitments you already have.

  • Can I get help finding the best 80% mortgage

    Yes, you can use a mortgage broker who will be able to help you find the right mortgage for you. You can also read our mortgage guides for more information before applying.

  • Do I need a good credit score to apply?

    No, but the better your credit score, the more likely you are to be accepted for a mortgage. If your credit score is low, it is still possible to get a mortgage, but it will be more difficult and the interest rates will be higher.

  • What are the advantages of 80% mortgages?

      Better mortgage rates than someone with no deposit, with a 5% or 10% deposit. Smaller monthly repayments A wider selection of mortgage offers to compare

  • What are the disadvantages of an 80% mortgage?

      Saving a 20% deposit can take a long time A higher interest rate than someone with a larger deposit More of your savings will be tied up in your home

  • What are the criteria to be met in Rome for an 80% mortgage?

    To qualify in Rome, as in all of Italy for an 80% mortgage you will need to meet your bank's lending criteria. This can vary from case to case, but overall, you'll need a good credit score and be able to demonstrate that you can afford the monthly repayments.

  • How can I find the right 80% mortgage for me?

      Tell us about yourself and one of our consultants will check the suitability and affordability of your mortgage. We'll show you your mortgage options based on what you've told us. Prepare and submit your mortgage application and get support every step of the way .

In addition to the 80% mortgage, what types of mortgages exist?

100 percent mortgage

Getting a 100 percent mortgage in Rome is difficult. Find out on the page what requirements you need and how to get your dream home even without savings on the side... read more

First home loans

Getting the first home loan is a very important goal and there are several factors to choose the most appropriate one. While the myriad of financing options available in Rome for first-time home buyers can seem overwhelming…read more

Home renovation loans

Increase the value of your home in Rome with a renovation loan! Tackle the entire home improvement wish list in one go!

Home Renovation Loans Are The Smarter Way…read more


Second home loans

Find out how the advice of a credit broker - real estate broker in Rome can help you find your best mortgage for your second home... read more

Subrogation mortgages

Subrogation loan in Rome? - It's not difficult!

Transferring the loan to another bank in Rome brings many advantages and is less difficult than one might think. What do we need to know to subrogate the loan?...read more


What are the main partners - banking institutions with which we work?

The main banks/financial companies with which we collaborate in Rome and the Province are:


    BNLBPMChe Banca!Credit AgricoleINGBPERBCC of RomeMonte dei Paschi di SienaBanco di SardegnaBanca Popolare di BariCassa di Risparmio di Orvieto




    CarifermoExtrabancaCivibankIBL-Banca di scontoSella Personal creditFincontinuoTrasparenzaCompassYounited creditPrestiamociPermicro