Second home loan in Rome? What are the requirements?

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.

How to get a mortgage on your second home in Rome?

It is absolutely normal that many people in Rome are thinking about a second mortgage to buy another property, but before going ahead, it is a good idea to get well informed, as well as seek advice from a broker - credit mediator specialized in this field.

In our guide to second home loans, you'll learn how they work, if you qualify for them, how to get the right advice on them, and more. Furthermore, in our FAQ section, we answer the questions we hear most often from customers who are buying a second home.


Frequently asked questions on second home loans

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

  • What is a second home loan?

    A "second mortgage" is used when a borrower who owns a property takes out another mortgage to buy a second home. This should not be confused with second mortgages, which are second mortgages secured against a property you already own.

  • Can I have a mortgage on a second home in Rome?

    This will depend on a number of factors. You may have passed the eligibility criteria for your existing mortgage with no problems, but banks in Rome tend to be much stricter when evaluating second home applications.

  • What is the fee on a second home loan?

    A natural person who obtains a loan for the purchase, construction or renovation of a second home must pay a tax equal to 2% of the loan.

  • What factors influence the eligibility of a second home loan?

    If you are looking for a mortgage on a second home, you should expect the bank to consider the following factors when assessing your suitability:

  • How to get the best rates for a second mortgage?

    The easiest way to ensure you get the best rates on your second home loan is to have access to every lender on the market. In this way, all the most advantageous offers for which you are entitled will be available to you.

  • Can I speak to a home loan expert?

    Talking to the right mortgage broker can potentially help you save time and money when it comes to getting a mortgage on a second home, and this is something we can help you with.

  • What is a Second Mortgage on Your Existing Home?

    A second mortgage on your existing home is not the same as a second home loan to purchase another property, nor is it the same as a mortgage. It is what is known as a home loan or second mortgage. They are loans secured against a property you own under a second charge and effectively function like a second mortgage.

  • How difficult is it to get a mortgage for a second home in Rome?

    We often hear the question "how easy is it to get a mortgage on a second home?" and the answer will depend on your profile as a borrower and if the banks in Rome consider that you are able to support a second home loan alongside your existing one.

  • What credit score do I need for a second home loan in Rome?

    There is no one credit score that fits all mortgages in Rome. Not all creditors 'score' the credit, they simply 'check' if they are unfavourable.

  • Can I get a second mortgage for a holiday home in Rome?

    Yes, it could be possible. There are lenders who specialize in holiday home mortgages for properties in Rome and a smaller number who provide them for homes abroad.

  • How long do second home loans last?

    Second home loans are no different than first home loans.

In addition to second home mortgages, 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

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