In partnership with 24 Finance · GC Partners
In the contemporary real estate landscape, purchasing a premium property in Italy does not have to depend on personal liquidity alone. Through strategic financing, careful currency planning, and dedicated professional support, international buyers can structure their investment with greater confidence and efficiency.
Great Synergy brings together two specialist partners, 24 Finance and GC Partners, to offer a single, coordinated solution that addresses both the mortgage and the currency side of every transaction.
FINANCIAL STRATEGY
24 FINANCE
Beyond Equity: The Value of Financial Leverage
Purchasing a premium property in Italy does not mean committing all available capital to a single asset. Today, a mortgage serves as a strategic tool, one that optimises invested capital and preserves liquidity for further diversification.
International buyers, including non-residents, can access mortgage financing in Italy under highly competitive conditions. With fixed interest rates averaging around 3.70%, Italy offers a significantly more favourable financial environment than many foreign markets, transforming debt into a tool that enhances overall purchasing power.
Having an initial capital of €1,000,000 does not mean limiting the search to properties of the same value. Through the calculated use of leverage, investors can target higher-tier assets or distribute investment across multiple units, while keeping a strategic liquidity reserve intact.
Advanced Mortgage Brokerage: 24 Finance
To help navigate the intricacies of the Italian banking system with precision, the case is being handled by Loris Spighi, an experienced professional at 24 Finance Mediazione Creditizia Spa (OAM registration no. M233), a leading partner in credit brokerage, serving both Italian citizens and international investors with preferential access to leading national credit institutions.
- Coverage ratios: financing options covering up to 50–60% of the property’s appraised value.
- Investment thresholds: operations structured from a minimum of €150,000, with no upper limit for high-value transactions.
- Remote management: a fully digitised process managed entirely from abroad, relieving buyers of bureaucratic and logistical burden.
Remote Pre-Assessment
A core pillar of the 24 Finance service is the ability to request a preliminary financing feasibility assessment before choosing a property or scheduling viewings. Through a comprehensive income analysis conducted entirely remotely, Loris Spighi defines the actual investment range within a few days, ensuring buyers enter the market with clear bargaining power.
CURRENCY PLANNING
GC PARTNERS
International Transfers and Currency Planning
For international buyers, moving funds across borders is one of the most important and often underestimated steps in a property purchase in Italy. How funds are moved, and when they are exchanged, can make a real difference to the overall cost of the transaction.
Through our partnership with GC Partners, a specialist in foreign currency exchange and international payments, buyers have access to dedicated currency expertise at every stage of the process. GC Partners is FCA-regulated, has over 20 years of experience in the market, and holds a Trustpilot score of 4.9 out of 5, giving international clients the confidence that their funds are in trusted, professional hands.
A Dedicated Account Manager, From Start to Finish
Every client introduced through Great Synergy is assigned a dedicated account manager at GC Partners, a single point of contact who monitors market movements, coordinates payment timings, and provides clear guidance throughout the purchase process. This personal approach ensures that currency decisions are planned and aligned with each stage of the transaction, never rushed or reactive.
Managing Currency Risk Across the Purchase Timeline
Property purchases in Italy typically involve multiple payments, including an initial deposit, staged payments, and final completion funds. Each of these moments carries currency exposure.
A rate movement of just 1% on a €500,000 purchase can mean a difference of £4,000 to £5,000 for a GBP buyer, or ,000 to ,000 for a USD buyer. Planning ahead is not optional, it is part of the investment strategy.
GC Partners supports buyers with flexible tools to manage this exposure:
- Spot transfers for immediate payments at the current market rate.
- Forward contracts to secure an exchange rate in advance, protecting against market movements before completion.
- Limit orders to target a preferred rate and execute the transfer automatically when it is reached.
- Rate alerts to stay informed of market movements at key moments throughout the purchase process.
Aligned With Your Timeline
All currency solutions are coordinated with the buyer’s contractual deadlines, ensuring funds arrive correctly and on time. Whether converting GBP, USD, CAD or another currency into EUR, GC Partners provides a structured, transparent process with no transfer charges and optimised exchange rates, typically offering a significant advantage over high street banks.
A Single Point of Contact for the Modern Buyer
THE GREAT SYNERGY APPROACH
The integration of mortgage brokerage and currency planning is driven by Great Synergy, the strategic network established to connect buyers with selected professionals across the financial, credit, and foreign exchange sectors.
Rather than managing multiple specialists independently, buyers benefit from a single, coordinated point of contact that builds structured, bespoke proposals tailored to each investor’s unique financial profile and objectives.
