Information and requirements for obtaining a first home loan in Rome

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 may seem overwhelming, taking the time to research the basic information and requirements for real estate financing can save you a significant amount of time and money. Relying on a real estate broker - credit broker in Rome is certainly indicated, in this way convenient deals can be concluded, considerably reducing expenses. However, it should be taken into account that a first home loan affects the standard of living of a family for the next 15-20 years. So every mistake made in the stipulation phases must be multiplied by the amount of the loan and by its duration.

Frequently asked questions on first home loans

Here are some questions about what first home loans are and how they work.

  • How much does the first home loan cost in Rome?

    The cost of buying a first home does not end with the mortgage to be taken out for the purchase but we must consider the costs of taxes, appraisals, notaries, which are calculated in different percentages on the different amount of the loan requested. Many of these costs are reduced when the purchase concerns a first home by young people under 36. Let's see, therefore, what are the costs in Rome to buy a first home between taxes, costs and mortgage.

  • What are the tax breaks and deductions for a first home loan?

    The law in Italy provides for the deductibility of interest expense and expenses deriving from mortgage loan contracts stipulated for the purchase, construction or building renovation of the main residence.

  • Is a fixed rate or a variable rate better? Which one do I choose for my first home loan?

    A common question for all of us when applying for a mortgage, for example a first home mortgage, and it's always the same: is the fixed rate or the variable rate better? There is no a priori choice that is better than the other, there is only one general rule to follow.

In addition to first home loans, 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

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


Mortgages at 80 percent

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 value from a mortgage lender…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