Buying property in Italy as a Canadian citizen: 2026 Guide

Update: September 2026

Canadian citizens can still buy property in Italy, subject to applicable reciprocity rules and exemptions. Canada’s foreign buyer ban currently remains in force until 1 January 2027. Eligibility depends on the buyer’s circumstances and the property concerned: location in a municipality with fewer than 10,000 residents does not automatically guarantee eligibility. An Italian notary should confirm the applicable conditions before any binding purchase commitment.

Italy’s rich history, stunning landscapes, and vibrant culture make it an attractive destination for Canadian citizens looking to buy a property. Whether you’re searching for a vacation home, a retirement haven, or a safe investment, understanding the rules of purchasing real estate in Italy is crucial.

This guide addresses the top frequently asked questions (FAQs) to help Canadian buyers in navigating the Italian property market, incorporating the latest legislative updates.

1. Can Canadian citizens legally purchase property in Italy?

Yes, Canadian citizens can legally purchase property in Italy, but restrictions now apply as a result of reciprocity with Canada’s “Prohibition on the Purchase of Residential Property by Non-Canadians Act,” effective January 1, 2023. These restrictions align with the limitations Canada imposes on foreign buyers. However, Canadian citizens may still qualify to buy property if they meet specific exceptions.

2. What are the exceptions that allow Canadians to buy property in Italy?

Canadian citizens may qualify to purchase property in Italy depending on their citizenship, Italian residence status and the property concerned. Relevant circumstances include:

• Holding Italian or another EU/EEA citizenship in addition to Canadian citizenship.
• Living in Italy with a qualifying residence permit, including certain permits for employment, self-employment, family reasons or study. Permanent residence is not always necessary.
• Purchasing a property that falls outside the restrictions applicable under reciprocity rules. A municipality’s population alone does not establish eligibility.
• Purchasing jointly with a spouse or partner whose status may allow an exemption, subject to confirmation by an Italian notary.

Transfers through inheritance, gifts, separation or divorce are treated separately from ordinary purchases and require their own assessment.

An Italian notary should confirm which rules and exemptions apply before you enter into a binding purchase agreement.

3. Where can Canadians buy property in Italy?

Eligibility cannot be determined solely by whether an Italian municipality has fewer than 10,000 residents. The Canadian geographical exclusions refer to defined census areas, and their application under Italian reciprocity rules requires a case-specific assessment.

Before committing to a property, ask an Italian notary to confirm whether its location and your personal circumstances allow the purchase. Buyers exempt from reciprocity checks may have a wider choice of locations.

4. How does the property purchase process work in Italy?

Buying a property in Italy is a highly regulated and formal process, with distinct contractual standards and negotiation practices. It typically involves:

• Offer and Acceptance: A formal and binding agreement between buyer and seller.
• Preliminary Contract (“Compromesso”): A more detailes binding contract outlining all terms of sale.
• Final Deed (“Atto/Rogito Notarile”): Signed in front of an Italian Notary, at which point the balance of the payment is made, the keys are handed over, and the deed is registered in the Public/Land Registry.

For a detailed step-by-step guide, visit our Buying Guide to learn everything you need to know about purchasing a property in Italy.

5. Are there residency requirements for Canadian property owners in Italy?

Owning property in Italy does not automatically grant residency or the right to stay beyond the permitted period. Canadian citizens can generally visit without a visa for up to 90 days in any 180-day period across the entire Schengen area, including time spent in France and other Schengen countries. For longer stays in Italy, an appropriate visa and residence permit are generally required. Common options include::

• Elective Residency Visa: Ideal for retirees looking to enjoy the Italian lifestyle full-time.
• Work or Study Visa: For individuals relocating to Italy for employment or education.

If you’re a remote worker, Italy’s Digital Nomad Visa offers an exciting opportunity to live and work in the country while enjoying its breathtaking scenery. Learn more in our blog: Italy’s New Digital Nomad Visa: A Gateway to La Dolce Vita.

6. What financing options are available for Canadian buyers?

Canadian buyers have several financing options:

• Italian Mortgages: Some Italian banks offer mortgages to non-residents, though terms may be more stringent and may require a higher down payment. Understanding the local mortgage system is crucial, and working with an experienced broker can make the process smoother. To dive deeper into the process, read our blog: Getting a Mortgage in Italy: A Comprehensive Guide.
• Canadian Financing: Buyers can secure financing through Canadian lenders, such as home equity loans or cross-border mortgage services.
• Currency Exchange Considerations: Exchange rate fluctuations can impact the cost of purchasing and maintaining a property. Working with a reputable currency exchange provider can help secure favorable rates and reduce financial risks.

Conclusion

Buying property in Italy as a Canadian citizen is an exciting and rewarding venture, offering you the chance to enjoy “la dolce vita” in one of the world’s most beautiful countries. Liguria, often referred to as the Italian Riviera, stands out as an exceptional destination for property investment.

Why choose West Liguria?
West Liguria offers a unique combination of stunning coastal scenery, historic towns, and a mild Mediterranean climate. The region is home to glamorous seaside towns such as Sanremo and Bordighera, and charming inland areas dotted with olive groves and vineyards. Its strategic location, bordering France, allows easy access to Monaco, the French Riviera, and major European cities.

The region is conveniently located near Nice International Airport (NCE), which provides direct flights to Canada, making it an ideal choice for Canadians seeking easy connectivity between their homes in Italy and North America.

For those seeking a second home, retirement haven, or investment property, West Liguria provides excellent options, from luxurious villas with sea views to quaint townhouses and modern apartments. Its culinary delights, vibrant culture, and strong community make it a perfect destination to call home.

With decades of experience in Liguria’s real estate market, LiguriaHomes Casamare is your trusted partner in finding the perfect property in Liguria. Our expertise, local knowledge, and personalized service ensure a smooth and stress-free buying experience.

Start your journey today by exploring our listings or contacting our team for tailored advice. Let us help you make your dream of owning property in Italy a reality!