Non-resident Home Loans

You don't need to live in Greece to get a Greek mortgage. Several major banks run dedicated non-resident and foreign-currency home loans that accept income earned abroad. Loan-to-value is usually a little more conservative than for residents — often around 60–80% of the value depending on your nationality and where you live — with terms commonly up to 15–30 years.

If you're paid in dollars, pounds or francs, foreign-currency mortgages let you borrow in your earning currency. A broker partner matches you to the lenders most comfortable with your situation.

Buying from abroad starts with two essentials: a Greek tax number (AFM) and a Greek bank account. We can help arrange both remotely, often by power of attorney, so you can progress without flying over. Our AFM guide explains the step in detail.

Greek-passport holders living abroad often get the most favourable non-resident terms. International buyers without Greek heritage are welcome too; terms simply vary by nationality and country of residence. We have country-specific guides for buyers in Australia, the UK and the US.

A Greek lawyer and a power of attorney let you complete the whole purchase — searches, contracts and signing — without being in the country. Factor in the usual buying costs (transfer tax, notary, legal, land registry) and the annual ENFIA property tax. Our document checklist shows what to gather.