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Nemea Mortgages

Buying your home is easier with the Nemea Mortgage

  • Get an exclusive TAN discount if you submit your documentation within the first 7 days.
  • Access insurance solutions to safeguard your home and family.
  • No appraisal fees when purchasing an A or B class property.

Why choose a Nemea Mortgage?

Fast and transparent

We aim to minimize processing times and make the mortgage process straightforward.

Protect your home

Insurance covers the rebuild value of your property, not just the remaining mortgage balance.

Family security

We offer accident and health insurance options to protect your loved ones.

6 steps to your mortgage

Explore our complete mortgage guide, designed to answer common questions and walk you through the 6 essential steps to getting a mortgage.

Select the mortgage type that fits your needs

Fixed rate mortgage

Ideal for buyers who want a predictable monthly payment without surprises. Up to 80% of the property value for a first home purchase. Up to 70% of the property value for a second home purchase. Minimum term: 120 months. Maximum term: 360 months.

Variable rate mortgage

Perfect for buyers seeking flexibility with an interest rate that adjusts according to market trends.
Up to 80% of the property value for a first home purchase. Up to 70% of the property value for a second home purchase. Minimum term: 120 months. Maximum term: 360 months.

Manage your mortgage better with the benefits of the Nemea Current Account

  • Open a Nemea account, charge your mortgage payments, and we’ll reimburse you for the stamp duty for one year.
  • Get 3% gross remuneration on your €0 Account balance forever.
  • Earn money with our Cashback, Word of Mouth, and Buy & Win promotions.

Do you need more information?

Manage your mortgage efficiently with a Current Account

Open an account, set up your mortgage payments, and we’ll refund the stamp duty for one year.
Earn 3% gross interest on your €0 Account balance indefinitely.
Take advantage of additional earnings through our Cashback, Word of Mouth, and Buy & Win promotions.

Individuals aged 18 to 65 residing in Italy can apply, whether the property is intended as a first or second home.

Typical documentation may include: personal identification, proof of income (pay slips, tax returns), financial records (bank statements, property deeds), and property-related documents (floor plans, certificates of conformity). The bank may request additional documents to complete the credit assessment. Click here for a full list of required documents.

  • APR discount for the life of the loan if all required documents are submitted within 7 business days of receiving the bank’s instructions.

  • No appraisal fees for A or B class properties with a valid Energy Performance Certificate (EPC).

  • Refund of one year’s stamp duty when mortgage payments are made through a current account.

Yes, you can make partial or full early repayments with at least 30 days’ notice without penalties, fees, or extra charges. Paying off the mortgage in full ends the contractual relationship by settling the remaining principal before the mortgage term ends.