Who it's for
- You live in Greece and are a Greek tax resident
- Salaried or self-employed, buying your first or next home
- Buying a primary residence, holiday home or investment property
What you'll typically need
- Greek ID or passport and your AFM (tax number)
- Proof of income (payslips, E1/E3 tax returns)
- Recent bank statements
- Property details, once you've found one
What to know
How much you can typically borrow
As a Greek tax resident you'll usually have the widest choice of lenders and the strongest terms. For a primary residence, Greek banks commonly lend up to around 80–90% of the property value, with loan terms stretching to 30–40 years. First-home buyers under 50 tend to see the highest loan-to-value and the best rates.
Banks weigh up your repayment capacity, so the final amount depends on your income, existing commitments and the property itself. These are general market figures — your broker partner confirms what you actually qualify for.
Fixed or floating rate
Most Greek mortgages are either fixed for an initial period (commonly 3 to 30 years) and then floating, or floating from the start — typically the 3-month Euribor plus a bank margin. Fixed rates give you certainty on repayments; floating rates move with the market. Energy-efficient homes often attract a small rate discount.
Spiti Mou 3 — the state first-home programme
If you're buying your first home, Greece's state-subsidised Spiti Mou programme may be able to help — the latest round is Spiti Mou 3. Eligibility and terms are set by the programme and depend on your age, income and the property. Our guide explains who qualifies and how it works.
The costs beyond your deposit
Budget for the one-off purchase costs on top of your deposit: property transfer tax, notary and legal fees, and land-registry charges — together usually a single-digit percentage of the price. Once you own the home, the annual ENFIA property tax applies. Our guides on ENFIA and the full document checklist help you plan ahead.
How pre-approval works
Tell us your plans
Share a few details with the pre-approval form — it takes a couple of minutes.
We match you with a broker partner
A specialist broker partner reviews your enquiry and the lenders that fit you.
They arrange your pre-approval
Your broker partner prepares your file and secures a pre-approval with a Greek lender.
House-hunt with a clear budget
Search with confidence and complete your purchase, supported at every step.
Learn more in the Knowledge Centre
Free, plain-English guides to help you understand buying and borrowing in Greece.