A bilingual advisor and a fixed-price service. You see exactly what you get, what it costs, and what happens next . No portals, no surprises.
Everything starts with one explorative call. Whatever comes next like viewings or full assistance is quoted clearly before you commit.
A 45-minute video call to understand your goals, budget and the right Sicilian micro-markets. The single entry point for everything that follows.
Tailored next steps, each with a clear quote before you commit.
A full guided day visiting 3–5 hand-picked properties, with local context. Driver optional, quoted on your itinerary.
End-to-end accompaniment from search to signing, negotiation, notary, legal and renovation. Fixed fee + % of the purchase price.
Only one point of contact. Discreet, unhurried, and entirely yours from the first call to the final signature.
A small, family-run office. To us you are a name and a story, never a lead in a funnel.
Notaries, lawyers, architects and surveyors I have worked with for years. Already on your side.
I'm Giuseppe Rinaudo, for years I have worked with people from abroad, providing the services they need to live in this beautiful country.
Buying a home abroad is a defining step for a family: it shapes the present and the future of everyone involved. That's why I saw the need for a different kind of service: clear scopes, fixed fees, and a single point of contact who speaks your language and answers his own phone.
You should know what you're paying for before you pay it. That's the whole idea. “
Curiosities, news and honest guidance on buying — and living — in Sicily.
Giuseppe Rinaudo: From the Italian Army to the International Real Estate Market in Sicily
You found your dream home in Italy... then you read two words: "NO MUTUO."
Buying property in Italy is easier than you might think, especially when you understand the key steps involved. This practical guide explains what you need to do, when payments are due, and which professionals you should consult.
What every foreign buyer should know about payments, notaries and Italian anti-money laundering rules.
In 2025, 12.2% of property buyers in Italy who purchased without a mortgage were foreign nationals. Back in 2019, that figure was around 6%.
There's a situation in the Italian real estate market that happens far more often than we might imagine. A parent passes away, leaving a house to their children. One wants to sell it. Another wants to rent it out. The third wants to keep it because it's full of memories. The fourth lives abroad, never replies to emails, and would rather avoid making any decisions. The result? The property sits emp
A short, honest PDF on the traps that cost overseas buyers the most — from the codice fiscale to the compromesso. Fifteen years of hard-won lessons, in a fifteen-minute read.
My fee is a flat 3% commission — no hidden costs, no surprises. Remember that in Italy VAT ("IVA") at 22% applies where relevant, so it's worth planning for from day one.
A short note is enough. I reply personally, usually within two days.
Grazie — I'll reply personally, very soon.
The notaries, lawyers, architects and surveyors behind every purchase. Selected and coordinated by me.
A confirmation is on its way to your email. Talk soon.
Giuseppe Rinaudo: From the Italian Army to the International Real Estate Market in Sicily
A professional journey combining discipline, language skills, and a passion for Sicily.
My name is Giuseppe Rinaudo, and my professional journey has been shaped by a variety of experiences, all connected by a set of core values: responsibility, determination, adaptability, and a genuine commitment to people.
Twelve Years in the Italian Army: The Foundation of My Career
My career began in the Italian Army, where I served as an officer for twelve years. This experience played a fundamental role in my personal and professional development, teaching me the importance of discipline, leadership, organization, and the ability to make decisions, even in challenging and complex situations.
These are skills I continue to carry with me and that remain an essential part of my professional approach today.
A New Career in Real Estate
For the past five years, I have been working in the real estate industry in Sicily. I initially started as a translator, using my language skills to facilitate communication between real estate professionals and international clients.
This experience allowed me to gain valuable insight into the real estate market from an international perspective, helping me understand the needs and expectations of people looking to purchase property in Sicily while living abroad.
Over time, my professional journey naturally evolved, leading me to become a real estate agent. In this role, I can combine my previous experience with my knowledge of the local area and my growing expertise in the property market. Bridging the Gap Between Sicily and International Clients
Today, I help international clients find, purchase, and make the most of their properties in Sicily.
I speak Italian, English, Spanish, and French, allowing me to communicate directly with clients from different countries, understand their individual needs, and guide them throughout the property-buying process.
Buying a home abroad involves much more than navigating an unfamiliar real estate market. It also means dealing with administrative procedures, language barriers, and different cultural practices.
This is why I see my role as going far beyond simply buying and selling properties. For me, it means being a reliable point of contact, providing guidance and support, and helping clients navigate the practical aspects of their investment.
My Approach
I believe that every real estate journey should begin with listening. Whether someone is looking for a holiday home, an investment opportunity, or a new life in Sicily, every client has their own unique needs, expectations, and goals.
My approach combines the precision and sense of responsibility I developed during my military career with my language skills and the experience I have gained in the real estate industry.
My goal is to make the experience of buying property in Sicily as straightforward, stress-free, and transparent as possible, building lasting professional relationships based on trust, reliability, and genuine attention to each client's needs.
Because buying a property is not simply about investing in real estate. More often than not, it is about turning a dream into reality and bringing a new chapter of life to fruition.
The estate agent tells you: "Don't worry, it's just not mortgageable." That's exactly when you should start asking questions. Too many foreign buyers ignore this red flag because they don't understand what "immobile non mutuabile" actually means.
Here's the truth: A property that is "non mutuabile" has failed (or is likely to fail) the checks that an Italian bank requires before granting a mutuo.
Why? Urban planning irregularities? Cadastral discrepancies? Missing agibilità? Structural problems? Legal issues?
You won't know unless you ask. And here's the mistake many buyers make: They trust the estate agent's reassurance without hiring their own geometra to investigate, being afraid the house could be sold to another person.
Never do that. Ask the agent: Why is the property non mutuabile? Can the issue be regularised? Who will pay for fixing it? Has a surveyor already identified the problem?
Then hire an independent geometra to verify everything before signing anything. Yes, some non mutuabile properties are excellent opportunities. Others are financial disasters waiting to happen. The two words "NO MUTUO" should never scare you... But they should make you suspicious enough to investigate before you fall in love with the property.
Don't be in a hurry to waste a lot of money.
1. Before You Buy: Essential Checks
Found your ideal property? Before signing anything or making any payments, it's important to make sure everything is in order.
Surveyor or qualified property professional (geometra): Checks that the property complies with local planning and building regulations and that its cadastral records are accurate.
Notary (notaio): Verifies the legal aspects of the transaction, including ownership and any existing mortgages or other legal claims against the property.
Personal documentation: You'll need an Italian tax identification number (codice fiscale) to purchase property. If you're a non-EU citizen, you'll also need to confirm that you're legally entitled to buy property in Italy.
Our tip: Have all the necessary checks carried out before entering into any binding commitments.
2. Making an Offer (Proposta d'Acquisto)
This is the document you submit to the seller to formally express your intention to buy the property at a specific price.
It sets out your proposed purchase price and the conditions of the sale.
It's often accompanied by a cheque held as security.
Once the seller accepts your offer and you're notified of their acceptance, it may become a legally binding agreement.
Important: This isn't simply a way to reserve a property. Make sure you fully understand the terms before signing!
3. The Preliminary Contract (Compromesso)
The preliminary contract, also known as the compromesso, is an agreement in which both buyer and seller formally commit to completing the property transaction.
It establishes the agreed purchase price, payment arrangements, and the date of the final deed.
The buyer normally pays a deposit known as a caparra confirmatoria, with the amount agreed between the parties.
The preliminary contract must be registered in accordance with Italian legal requirements and deadlines.
Our recommendation: Have the preliminary contract drawn up by a notary and officially recorded in the Italian Land Registry (registri immobiliari). Although this isn't always mandatory, it provides valuable legal protection against certain issues that could arise before the sale is completed.
4. The Final Deed of Sale (Rogito Notarile)
The rogito notarile is the final legal deed that normally transfers ownership of the property to you.
At this stage:
The final deed is signed in the presence of a notary.
You pay the remaining balance of the purchase price.
You pay the applicable taxes, notary fees, and estate agency fees.
You normally receive the keys to your new property, unless otherwise agreed.
If you're not confident speaking Italian, let the notary know well in advance, as an interpreter may be required.
Can't travel to Italy for the signing? In many cases, you can appoint someone you trust to sign on your behalf through a special power of attorney (procura speciale).
5. What Taxes Will You Pay?
Property purchase taxes in Italy depend on who you're buying from and whether you qualify for any tax benefits.
If you're buying from a private seller, the following rates generally apply:
Primary residence (prima casa): 2% registration tax, provided you meet the eligibility requirements.
Second home (seconda casa): 9% registration tax.
In both cases: Mortgage and cadastral taxes of €50 each.
The registration tax is generally subject to a minimum of €1,000. In certain circumstances, it's calculated on the property's cadastral value rather than its actual purchase price.
If you're buying from a developer or company and the sale is subject to VAT (IVA), different tax rules apply.
Good to know: Being a foreign buyer doesn't automatically disqualify you from Italy's prima casa tax benefits. However, specific eligibility requirements must be met.
6. After Completion: What's Next?
Once you've officially purchased your property, there are a few practical matters to take care of:
Set up or transfer utility accounts for electricity, water, and gas.
Check for any outstanding or ongoing condominium fees and shared building expenses.
Find out whether you need to pay IMU (Italy's municipal property tax) and understand any other applicable tax obligations.
Check the relevant regulations if you're planning to rent out your property.
Ready to Take the Next Step?
Buying a home in Italy can be a straightforward and rewarding experience when you know what to expect.
If you're seriously considering purchasing a property, seek professional advice tailored to your situation and make sure you're fully prepared before taking the next step!
Imagine this.
You've found your dream home in Sicily.
The price is €80,000. You have the money, the seller is happy, and you're ready to get the keys.
Simple, right?
Well, almost.
There's one important thing you need to understand before buying property in Italy:
It's not just about having the money. It's also about proving where it comes from and how you're paying.
And this is where things can get a little confusing for international buyers.
1. Can you buy a house with cash in Italy?
Not in the way you might think.
In Italy, cash transfers between different people are generally prohibited when the total amount reaches €5,000 or more.
This means you cannot simply arrive at the notary's office with €80,000 in banknotes and hand them to the seller.
And splitting the payment into smaller amounts to get around the law isn't a solution either.
For property purchases, the safest and most practical approach is to use traceable banking methods.
Having the money is not enough. The payment must also comply with Italian law.
2. So how do you actually pay for a property?
The most common methods are:
Bank transfer: Money is transferred through the banking system, with the transaction properly documented.
Cashier's cheque (assegno circolare): A bank-issued cheque commonly used for property purchases in Italy.
Notary's dedicated account: In certain cases, the buyer can deposit the purchase price with the notary, who releases it according to the applicable legal procedure.
The right method should be agreed upon with the seller and the notary before the signing day.
And remember: even deposits and advance payments made before the final deed must be correctly documented.
3. Where does your money come from?
This is a question that sometimes surprises foreign buyers.
You might have saved money for twenty years.
You might have sold another property in the Netherlands, Germany or the UK.
You might have received an inheritance.
All perfectly normal situations.
But under Italian anti-money laundering rules, the notary and financial institutions may need to verify the origin of the funds.
Depending on your situation, you may be asked for bank statements, proof of a previous property sale, inheritance documents or other supporting evidence.
This doesn't mean anyone suspects you of doing something wrong.
It simply means that buying property is a regulated financial transaction, not just a private agreement between two people.
4. What about gold, cars or other valuable possessions?
Here's another interesting question.
Can you offer gold, a car, jewellery or another valuable asset instead of paying the purchase price through a bank?
An ordinary property sale should not be treated as an informal exchange of valuable objects.
Italian law does recognise specific arrangements, including permuta, where assets are exchanged rather than sold for a monetary price.
However, these are different legal transactions with their own documentation, valuation and tax implications.
You cannot simply replace a declared cash payment with an undocumented exchange and expect the notary to approve it.
Any alternative arrangement must be discussed with a qualified Italian notary before making commitments.
5. The notary is not just there to watch you sign.
In Italy, the final property deed is called the rogito notarile.
During this process, the notary checks the legal aspects of the transaction and carries out the required anti-money laundering procedures.
The deed must include detailed information about how the purchase price has been paid.
That includes payments made before the signing.
So don't wait until the day of the rogito to ask how to transfer your money.
Plan everything in advance.
6. Italy isn't complicated when you understand the rules.
One thing I've learned from helping international clients is that many problems come from different expectations.
In one country, a process might be completely normal.
In another, it might require different documents, additional checks or a different way of doing things.
And that's okay.
You're buying a home in a new country, with its own laws, traditions and procedures.
Part of the experience is learning how things work.
My advice? Don't just prepare your budget. Prepare your paperwork.
Talk to your notary early, communicate with your bank and work with people who understand the Italian property-buying process.
Because the goal isn't just to buy a beautiful house in Sicily.
It's to enjoy it with peace of mind, knowing everything has been done properly.
And believe me, that feeling is worth the preparation. 🇮🇹
That's an interesting statistic published by Tecnocasa Group, showing just how much international interest in the Italian property market has grown.
We don't know exactly how many foreign nationals currently own property in Italy, as there isn't a complete national database that also includes owners living abroad.
But one thing is certain: sooner or later, many of these properties will be passed down to the next generation.
And that means more and more people may find themselves inheriting a home in a country they barely know, whose language they might not speak, and where they've never actually lived.
An inheritance can be a wonderful surprise. Or a huge headache.
I can imagine two completely different situations.
On one side, there's someone who gets a phone call and discovers they've inherited a little house in Sicily.
Maybe it's a home full of memories, in a beautiful village overlooking the sea.
They're happy. Excited. Already dreaming about holidays, Italian summers, and finally having a little place to call their own.
Then the questions start coming.
Who pays the property taxes? Who looks after the house? How do you get the utilities connected? What if the roof needs repairs?
On the other side, I imagine someone who never wanted that house in the first place.
Maybe they've just lost someone they loved. They live in the Netherlands, Germany, or the UK. They have a job, children, and a busy life.
And suddenly, they're responsible for managing a property 2,000 kilometres away.
They don't want to move. They don't want to renovate. They don't want to invest.
They just want to sell the house, preferably without spending the next two years of their life fighting Italian bureaucracy.
And you know what?
I understand both of them.
The first step isn't selling. It's finding someone who understands you.
If you inherit a property in Italy while living abroad, my advice is to contact a reliable real estate agency, ideally before making any big decisions about the property's future.
But I wouldn't choose an agency just because it knows the local market.
I'd look for professionals with international experience.
People who have lived, worked, or managed projects abroad themselves.
Because anyone who's ever tried to get things done in a foreign country knows how frustrating even the simplest tasks can become.
They know what it's like to receive an official letter from the local municipality and have no idea what it says.
Not knowing which document to sign.
Struggling to get an answer from a public office.
Or having to book a flight just to sort out something that should have been incredibly simple.
A good professional should never underestimate these challenges.
Telling an international client, "It's easy, that's just how things work in Italy," isn't always helpful.
Sometimes, all it takes is putting yourself in their shoes.
Think about it: what if you inherited a house in Brazil tomorrow? What would you do? How would you feel?
So, where do you actually start?
Here are the steps I'd recommend:
1. Understand the inheritance situation. Contact a notary or another qualified professional to check the will, identify the heirs, review any outstanding debts, and understand the legal requirements. In Italy, the inheritance tax return (dichiarazione di successione), when required, generally needs to be filed within 12 months of the date of death.
2. Check the property documentation. Work with your real estate agency and qualified technicians to review cadastral records, planning and building compliance, ownership details, and any potential irregularities.
3. Find out what the property is really worth. Not what it was worth twenty years ago. Not what the previous owner thought it was worth. What it's actually worth today, in the current market.
4. Understand the ongoing costs. Property taxes (IMU), utilities, condominium fees, maintenance, and possible urgent repairs. Even an empty house can cost money. A local Italian accountant (commercialista) can help you understand the financial and tax implications.
5. Decide what to do with it. Keep it, rent it out, renovate it, or sell it. No pressure. Just a realistic understanding of the costs, benefits, and opportunities.
6. Arrange everything from abroad. Find reliable local professionals, such as property managers, and speak with a notary about which tasks can be handled through a power of attorney.
Not everyone who owns a house in Italy actually chose to own one.
And perhaps this is the most important point of all.
In real estate, we're used to meeting excited people.
People who dream of owning a home in Sicily, who fall in love with the sunshine, the sea, the culture, and the idea of a completely different lifestyle.
But there's another group of international property owners.
People who weren't looking for a house in Italy.
They inherited one.
And along with the keys came responsibilities, deadlines, expenses, and some pretty difficult decisions.
We shouldn't automatically assume they're happy about it.
And we certainly shouldn't judge them if they simply want to sell.
Our job as professionals isn't to convince them to fall in love with that house. It's to help them make the best decision for their own lives.
With knowledge, patience, and above all, empathy.
Because sometimes, the real value of a real estate agent isn't finding a buyer.
It's making someone who lives thousands of kilometres away feel a little less alone while dealing with a situation they never asked for.
How Widespread Is This Problem in Italy?
According to ISTAT's 2021 Permanent Census, approximately 27% of residential properties in Italy are not occupied by registered residents.
That's more than 9 million homes.
Now, this doesn't mean they're all abandoned or unused. The figure also includes second homes, holiday properties, and homes used occasionally.
But it tells us something important: a significant portion of Italy's residential real estate is not used as a primary residence.
And among these properties are inherited homes owned by multiple people, sitting unused simply because nobody can agree on what to do with them.
The real problem isn't always a lack of buyers. Sometimes, it's a lack of agreement between sellers.
What's the Cost of Not Making a Decision?
Let's imagine a house inherited by three siblings, worth €200,000. It could generate €800 per month in rental income. But the siblings can't agree.
Five years later, here's what that indecision has potentially cost them:
• €48,000 in lost potential gross rental income.
• Property taxes and ongoing management expenses that still need to be paid.
• Routine maintenance and unexpected repairs.
• Potential deterioration of the property.
And most importantly, five years during which nobody has truly benefited from the inheritance.
An asset that should provide financial value to a family becomes a financial burden instead.
What Happens When Heirs Can't Agree?
Fortunately, Italian law provides several possible solutions.
1. Sell the property by mutual agreement.
This is the simplest solution when all heirs agree. The property is sold, and the proceeds are distributed according to each owner's share.
2. One heir buys out the others.
The heir who wants to keep the property can purchase the ownership shares of the other co-owners at a mutually agreed fair price.
3. Apply for a court-ordered dissolution of co-ownership.
This is probably one of the options that many international property owners are unaware of.
Under Article 1111 of the Italian Civil Code, each co-owner generally has the right to request the dissolution of joint ownership (scioglimento della comunione).
If no agreement can be reached, legal proceedings may be initiated, normally following an attempt at mandatory mediation.
If the property cannot reasonably be physically divided and cannot be allocated to one of the co-owners under the applicable legal conditions, the proceedings may ultimately result in a court-ordered sale, with the proceeds distributed among the owners.
In other words, an individual heir cannot necessarily prevent the dissolution of joint ownership indefinitely.
4. Appoint a real estate professional to manage the property. And this is a solution I personally find particularly interesting.
If the heirs don't want to sell, they can consider appointing a real estate professional under a property management agreement, potentially including a power of representation (mandato con rappresentanza) and the necessary legal authority, to turn the property into an income-generating asset.
The professional can handle tenant searches, rental agreements, day-to-day property management, and communication between the owners.
Of course, the legal rules governing decisions between co-owners must be respected, and the appropriate authorisations must be granted.
But the advantage is clear: not every heir needs to personally deal with every phone call, property viewing, or everyday problem.
An Inheritance Should Bring People Together, Not Drive Them Apart.
I know very well that an inherited property is about much more than numbers.
There are memories, emotions, complicated family relationships, and sometimes old disagreements that were never truly resolved.
But I also believe that leaving a property empty for years simply because nobody can make a decision is rarely the best way to honour the person who left it behind.
Sometimes selling is the right decision.
Sometimes renting it out makes more sense.
And sometimes all that's needed is an independent professional who can help everyone find common ground.
Because the value of an inheritance shouldn't be measured only in square meters, but also in our ability to turn it into an opportunity.