Mortgages for non-residents, with no trip to Greece
Live in another country and want to buy a home in Greece? The whole process happens from where you are: application, ID check, documents, even the signing, by power of attorney. No flight needed.
Why us
No travel
From application to signing, everything happens from where you live.
Your income counts
Banks accept income from abroad, with the right paperwork.
Banks you can borrow from
We know which accept applications from abroad and on what terms.
Your person here
Your advisor deals with the bank, the lawyer and the engineer for you.
How the process works
Four steps, from your sofa:
- 1
Apply and verify online
With your passport or ID and a short video call.
- 2
Documents from your phone
Upload your own country's documents. We tell you which need translating.
- 3
Power of attorney
Sign it at the Greek consulate, or with a notary and an apostille.
- 4
Signing and keys
Your representative signs in Greece, and you collect the keys whenever you come.
What you'll need
- Passport or ID card
- A Greek tax number (AFM), which we can help you get remotely
- Proof of income: payslips and employment contract, or your country's tax return
- Proof of address in the country you live in
- A credit report from your country, if one exists
- A power of attorney for whoever signs for you in Greece
Questions from non-residents
Can I get a mortgage in Greece if I don't live here?
Yes. Several banks lend to non-residents to buy property in Greece, against income from abroad. The terms are usually a little stricter than for someone living here.
Do I need to come to Greece?
No. The application, ID check and documents are online. For the signing, you give power of attorney to someone you trust, at the Greek consulate or with a notary in your country and an apostille.
How much can I borrow?
Usually less than a resident. For example, Piraeus lends non-residents up to 80% of the value for a loan in euros, and up to 70% for a loan in Swiss francs, dollars or pounds. The exact amount depends on your income.
I'm paid in another currency. What then?
You can take a loan in euros, with the exchange-rate risk staying with you. Some banks also lend in the currency you're paid in, so your payment doesn't move with the exchange rate.
Do I need a Greek tax number and bank account?
Yes, both. The tax number can be issued remotely through a representative, and you open the account with the bank that gives you the loan. We'll tell you the order to do them in.
Which documents from my country are accepted?
Payslips, employment contract, tax return and bank statements. If they aren't in English or Greek, they'll need translating. We tell you up front exactly what the bank wants.
Who checks the home for me?
The bank's engineer does the valuation. The legal and technical checks are done by a lawyer and an engineer we can recommend, who send you photos and a report.
Are there extra taxes for buyers from outside the EU?
In September 2026 the government announced a higher transfer tax for buyers from outside the EU. Ask us before you budget the buying costs, so you know what applies when you buy.
Looking for a home in Greece from abroad?
Apply from wherever you are. We'll tell you which banks will lend to you and handle the rest here.
Apply now →