How to Buy Property in Puglia as a Foreigner: Complete Guide 2026
Buying property in Puglia as a foreigner is entirely possible — and increasingly popular. British, German, Dutch, and American buyers are discovering that Salento offers exceptional value, a warm climate, and a quality of life that is hard to match anywhere in Europe. This guide covers everything you need to know before making your purchase.
Can Foreigners Buy Property in Italy?
Yes. Citizens of most countries can purchase property in Italy freely. EU citizens have the same rights as Italian nationals. Non-EU citizens (including British, American, and Australian buyers) can also buy property, provided their home country has a reciprocity agreement with Italy — which applies to most Western nations.
Step-by-Step: The Italian Property Buying Process
1. Get an Italian Tax Code (Codice Fiscale)
Before anything else, you need a Codice Fiscale — the Italian equivalent of a tax identification number. You can obtain one at the Italian consulate in your home country or at any Italian tax office (Agenzia delle Entrate) upon arrival. It is free and takes minutes to issue.
2. Open an Italian Bank Account
While not legally required, an Italian bank account makes the purchase process significantly easier. It allows you to pay the deposit, transfer funds, and later pay utility bills and local taxes. Most major Italian banks offer accounts for non-residents.
3. Make an Offer (Proposta di Acquisto)
Once you have found your property, you submit a written purchase proposal accompanied by a small deposit (typically 1–2% of the agreed price). If the seller accepts, the offer becomes binding.
4. Sign the Preliminary Contract (Compromesso)
The Compromesso is a legally binding preliminary contract signed by both parties. At this stage, the buyer pays a deposit of 10–20% of the purchase price. If the buyer withdraws, the deposit is forfeited. If the seller withdraws, they must return double the deposit.
5. Final Deed (Rogito) Before a Notary
The final step is signing the Rogito (deed of sale) in the presence of a Notaio (notary). The notary is a public official who verifies the legality of the transaction, checks the property is free of debts or legal issues, and registers the transfer with the land registry. The notary fee is typically 1–2.5% of the declared property value.
Costs and Taxes When Buying in Italy
Beyond the purchase price, budget for the following additional costs:
- Registration tax: 9% of the cadastral value for non-primary residences (2% if you establish Italian residency within 18 months)
- Notary fees: 1–2.5% of declared value
- Agency commission: typically 3% + VAT
- Legal fees: €1,500–€3,000 if you use an independent lawyer
- Survey/technical report: €500–€1,500
As a general rule, allow 10–15% on top of the purchase price for total transaction costs.
Do I Need a Lawyer?
It is not legally required, but strongly recommended for foreign buyers. An independent lawyer (geometra or avvocato) will review contracts, conduct due diligence on the property title, check for planning irregularities, and ensure your interests are protected throughout the process. The notary acts for both parties and the state — they do not represent you.
Can I Get a Mortgage in Italy as a Foreigner?
Yes, though it is more complex than for Italian residents. Non-EU buyers can typically borrow up to 60% of the property value. EU buyers may access up to 80%. You will need to provide proof of income, tax returns, and bank statements. Several Italian banks specialise in mortgages for non-residents, including BNL and Credem.
Why Buy in Salento Specifically?
- Property prices 40–60% lower than Tuscany for comparable quality
- Two coastlines: Adriatic and Ionian, both with crystal-clear water
- 300 days of sunshine per year
- Direct flights from London, Amsterdam, Frankfurt, and Brussels
- Strong holiday rental demand — average yield 5–8% in coastal areas
- Authentic Italian lifestyle with minimal mass tourism
Frequently Asked Questions
How long does the buying process take in Italy?
From accepted offer to final deed (Rogito), the process typically takes 2–4 months. It can be faster if financing is not required.
Can I buy property in Italy without visiting in person?
Yes. You can grant power of attorney (procura) to a trusted representative — such as a lawyer or estate agent — who can sign documents on your behalf. However, we always recommend at least one visit before committing to a purchase.
Is it safe to buy property in southern Italy?
Yes, provided you work with qualified professionals and conduct proper due diligence. The key is using an independent notary, a reputable local estate agent, and — ideally — an independent lawyer to review all documentation.
Start Your Property Search in Salento
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