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First-Time Buyer Checklist

The complete step-by-step guide to buying property in Sicily

Buying your first property in Sicily is exciting, whether you’re looking for a holiday home, an investment, or planning to relocate. But the process can feel overwhelming, especially for foreign buyers unfamiliar with Italian procedures.

This First-Time Buyer Checklist walks you through every step, from budgeting to getting the keys, so you can purchase with confidence.

1. Define Your Budget (Realistically)

Before browsing listings, understand what you can truly afford.

Include:

  • Purchase price
  • Taxes (2–9% depending on residency & property type)
  • Notary fees
  • Agency fees (usually 3–4%)
  • Legal checks
  • Renovation costs

2. Secure Financing (If Applicable)

Foreigners can obtain Italian mortgages, though conditions vary.

Prepare:

  • Proof of income
  • Bank statements
  • Credit report
  • Tax returns

Italian banks typically finance 50–70% for non-residents.

3. Choose the Right Location

Sicily offers diverse lifestyles:

  • Baroque towns
  • City apartments
  • Coastal villages
  • Countryside farmhouses

4. Research Property Types

Each comes with pros & cons.

Common options:

  • Renovation projects
  • Move-in ready homes
  • Countryside villas
  • Apartments

5. Make an Offer (Proposta d’Acquisto)

Once you find the right property:
  • Submit an offer to the agency
  • Agency deal with the seller
  • Seller accepts or negotiates
If accepted, the property is reserved.

6. Sign the Preliminary Contract (Compromesso)

This legally binds buyer and seller.

Includes:

  • Agreed price
  • Completion date
  • Deposit (usually 10–30%)