+393508052756 Head Office: Palazzo Altieri Piazza del Gesù, 49 00186 Roma Mon–Fri 08:30–17:00
Casa
Casa Della Finanza · Since 1972

Il Tuo
Mutuo

Financing the Italian home for over a century with terms rooted in trust, counsel drawn from wisdom, and rates worthy of your life's greatest investment.

Overview Our Mortgages Application Process Rate Calculator Why Casa Della Finanza Questions
Home Financing

A Mortgage Worthy of Your Home

The House is the Foundation of the Italian Family

For more than 50 years, Casa Della Finanza has understood that a mortgage is not merely a financial instrument. It is the document upon which a family inscribes its future the agreement that transforms a building of stone and timber into la casa, the home.

Since our founding in 1972, we have accompanied generations of Italian families through the most significant financial decision of their lives. From the Piemontese artisan who secured our first residential loan in 1851 to the three million households we serve today, our commitment has never wavered: to provide financing that is transparent, prudent, and genuinely in the interest of the borrower.

We offer fixed, variable, and mixed-rate mortgages tailored to every stage of life first home, second home, renovation, and buy-to-let with tenors from 10 to 30 years and loan-to-value ratios up to 80%.

"A man's home is the visible measure of his life's work. We do not lend against it we invest in it alongside him."

Giancarlo Ricci · CEO 1952–1978
Mortgage Key Facts · 2025
Fixed Rate from2.85% TAN
Variable Rate fromEuribor + 0.90%
Loan Tenors10 – 30 Years
Maximum LTV80% (85% first home)
Minimum Loan€ 50,000
Decision Time10 Business Days
Families FinancedOver 1.2 Million
Our Mortgage Range

Choose the Path That Suits Your Life

Y0 Y5 Y10 Y15 Y20 FIXED RATE 2.85%
First Home · Purchase · Renovation

Fixed Rate Mortgage

Certainty in every instalment, for the life of the loan

2.85%
TAN · Fixed for the full term

Our most enduring product. The fixed-rate mortgage locks your interest rate at the moment of signing, shielding your household from the fluctuations of Euribor and ECB policy for the entire tenor of the loan — whether ten, twenty, or thirty years.

It is the mortgage of choice for families who prize predictability above all: a constant monthly payment that permits the careful planning of life's other obligations.

10 – 30 Year Tenor Up to 85% LTV No Early Redemption Penalty Apply Now →
Euribor VARIABLE RATE
Purchase · Refinancing · Buy-to-Let

Variable Rate Mortgage

Benefit when rates fall; protected by our rate cap

Euribor +0.90%
3M Euribor + Spread · Reviewed Quarterly

Indexed to the three-month Euribor rate with a spread of 0.90%, our variable mortgage allows borrowers to benefit from declining interest rate environments. When the ECB reduces rates, your monthly payment falls accordingly.

All Casa Della Finanza variable mortgages include a built-in rate cap the interest applied will never exceed 5.50% TAN, regardless of market conditions. Your family is never exposed without a ceiling.

Rate Cap at 5.50% Quarterly Reviews ECB-Linked Savings Apply Now →
FIXED PORTION VARIABLE PORTION Misto
First Home · Second Home · Refinancing

Mixed-Rate Mortgage

The wisdom of fixed certainty with the opportunity of the variable

3.20%
Blended rate for illustrative 50/50 split

Our Mutuo Misto divides your loan into two equal portions: one half at a fixed rate for the full term, one half at a variable rate reviewed quarterly. You obtain the security of certainty on half your obligation, while retaining the potential savings of a variable rate on the other.

The split ratio is fully customisable from 30/70 to 70/30 and may be renegotiated once during the life of the loan at no penalty, allowing you to adjust as your financial circumstances evolve.

Customisable Split Ratio One Free Renegotiation 10 – 25 Year Tenor Apply Now →
"We have never once foreclosed on a family in good-faith difficulty. We renegotiate, we extend, we stand beside our borrowers as a true partner must."
Elena Moretti · Head of Personal Banking 2010–Present
Step by Step

The Application Process

I
Initial Consultation
Book a meeting with one of our personal mortgage advisors — in branch, by telephone, or via secure video link. We review your circumstances, discuss your goals, and outline the products suited to your situation. No commitment required.
II
Document Submission
Submit your documentation through our secure portal or in branch: proof of identity, income statements, property details, and existing liability schedule. Our team will confirm completeness within 24 hours and request any missing items.
III
Credit Assessment
Our credit committee undertakes a thorough but humane assessment of your file not an algorithm, but qualified human professionals who read your story, not merely your score. A decision is issued within 10 working days.
IV
Deed & Disbursement
Upon approval, we coordinate directly with your notary for the signing of the deed of mortgage. Funds are disbursed on the day of signing. Your dedicated advisor remains your single point of contact for the life of the loan.
Mortgage Calculator

Estimate Your Monthly Instalment

€ 50,000€ 5,000,000
Estimated Monthly Instalment
€ 1,932
Fixed Rate · 20 Years
Loan Amount € 280,000
Loan to Value 80.0%
Annual Rate (TAN) 2.85%
Total Interest € 183,680
Total Repayment € 463,680
This calculator provides an indicative estimate only. Actual instalments will reflect the TAEG (Annual Percentage Rate of Charge) which includes insurance, notarial fees, and other accessory costs. Consult your Casa Della Finanza advisor for a formal offer.
Our Pledge to You

Why Casa Della Finanza for Your Mortgage

⚖

Transparent Pricing

Nihil occultum

Our mortgage offer documents disclose every cost — TAN, TAEG, insurance, notarial contributions, and any administrative fees before you sign a single document. No surprises after the deed.

🏛

25 Years of Trust

Fides ante omnia

We have operated through wars, currency unions, and financial crises without a single client losing a deposit or a home without fair process. Longevity is not a marketing claim it is our balance sheet.

🤝

A Dedicated Advisor

Semper adsumus

From first consultation to final repayment, you have one named advisor at Casa Della Finanza. A human being who knows your name, your circumstances, and your home not a call centre queue.

🔑

Fast, Humane Decisions

Celeritas cum prudentia

Our credit committee comprises experienced professionals who read each file personally. Most applications receive a preliminary indication within five days and a formal offer within ten.

♻

Free Renegotiation

Pactum renovatum

Life changes. If your circumstances alter materially — a new child, a change of employment, an inheritance you may renegotiate the terms of your mortgage once without fee or penalty.

🌿

Green Mortgage Bonus

Pro futuro aedificamus

Properties with an energy performance certificate of class A or B qualify for a rate reduction of 0.15%. We invest alongside families who invest in Italy's sustainable future.

Frequently Asked Questions

What Prospective Borrowers Ask Most

What documents are required to apply for a Casa Della Finanza mortgage? +
For employed applicants, we require: valid identity document, tax code (codice fiscale), last three payslips, most recent CUD or 730 tax return, employer's confirmation of employment, and the property's preliminary sale agreement (compromesso) or deed of ownership. Self-employed borrowers additionally provide two years of certified financial statements and VAT registration documentation. A full checklist is provided at your initial consultation.
Can I apply for a mortgage before finding a property? +
Yes. Casa Della Finanza offers a pre-approval in principle a formal letter confirming your borrowing capacity, valid for 90 days. This strengthens your position considerably when negotiating with a vendor, demonstrating that your financing is secured before any property is identified.
What is the difference between TAN and TAEG? +
The TAN (Tasso Annuo Nominale) is the pure interest rate applied to your loan. The TAEG (Tasso Annuo Effettivo Globale) is the true all-in cost of the mortgage, incorporating the TAN plus all mandatory accessory costs: home insurance, mortgage insurance (where applicable), notarial fees, appraisal costs, and administrative charges. Italian law requires us to display both; you should compare mortgages by TAEG, not TAN.
Is there a penalty for early repayment? +
No. Since 2007, Italian law prohibits early repayment penalties on residential mortgages contracted by individuals. You may repay part or all of your mortgage at any time without cost. We will confirm this in writing in your mortgage offer and at the deed signing. There are no exceptions or hidden fees attached to early settlement.
Can I switch from a variable to a fixed rate after signing? +
Yes, through the process of surroga (portability) or internal renegotiation. You may request a rate-type change once during the loan term without penalty. In cases of significant market movement, we proactively contact borrowers with variable mortgages to discuss whether a switch to fixed would benefit their circumstances. Your dedicated advisor will model both scenarios for you at no charge.
Do you offer mortgages on properties outside Italy? +
Casa Della Finanza provides residential mortgages on properties located within Italy. For international property purchases, our Private Banking division can structure alternative financing through our offices in France, Switzerland, and Monaco, subject to applicable local regulations. Please contact your advisor for a tailored discussion.
Begin Your Application

178 Years of Homes Financed.
Yours Could Be Next.

Whether this is your first property or a considered investment, Casa Della Finanza will accompany you with the same counsel and care we have offered every Italian family since 1972.

Apply for a Mortgage → Book a Consultation