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📅 Published 14 September 2026🔄 Updated 17 September 2026🇮🇹 Versione italiana
The bank has said yes, and now it is asking you for “the name of your notary”. You choose the notary for the mortgage, not the bank, and it pays to choose early: this is the professional who reads the draft contract with you and prepares the mortgage deed and the registration of the mortgage lien. We coordinate the disbursement with the purchase deed, and in later years we help with refinancing, assumption or discharge of the mortgage. Here you will find what we do, what it costs and how long it takes; we will give you the exact figure in a written approximate written quote in a short time.
What does the notary do for a mortgage?
The bank lends money in exchange for a mortgage lien on the property, and the lien is only created through a public deed registered in the land registry. Before signing, we prepare the notarial report that the bank requires: twenty years of title history, mortgage and cadastral searches, confirming that the property is free of other charges and that whoever is mortgaging it is really its owner. We go through the draft contract with you (rate, spread, repayment schedule, insurance policies, penalties, termination clauses) and explain what each line means. On signing day we receive the mortgage contract and register the lien. If the mortgage is for a purchase, we coordinate the disbursement with the purchase deed, so the seller receives the price and you receive the keys. In later years we handle refinancing and assumption; assumption applies when you sell a property with a mortgage still running and the buyer takes it over. We also handle splitting and discharge of the mortgage, when a deed is needed.
How much does a notary cost for a mortgage in Naples?
A mortgage has its own tax regime, set out in articles 15-18 of Presidential Decree 601/1973: instead of registration, stamp, mortgage and cadastral tax, a single substitute tax is paid, withheld by the bank. The notary’s fee covers the mortgage report, the deed and registering the lien, and grows with the loan amount; the expenses include searches, archive tax and the mortgage registration tax.
| Transaction | Taxes | Who pays the notary |
|---|---|---|
| Mortgage for a main home (purchase, construction, renovation) | substitute tax 0.25% of the loan amount | the borrower |
| Mortgage for other properties or a second home | substitute tax 2% of the loan amount | the borrower |
| Refinancing (moving to another bank) | none | the new bank |
| Assumption of the mortgage in a sale | no extra tax, declared in the purchase deed | as agreed between the parties |
| Discharge of the mortgage once repaid | none: the bank notifies the land registry (art. 40-bis of the Consolidated Banking Act) | no notary needed, except in special cases |
An example: a €150,000 mortgage for a main home in Bagnoli. Substitute tax: €375 (0.25%). If the same property were a second home: €3,000 (2%). The mortgage lien is registered for an amount higher than the loan, usually 150-200%, and this is normal: it covers interest and costs, not extra debt. To estimate the tax and instalment you can use the mortgage calculators; you will find the notary’s fee in the quote, shown separately from the taxes as the code of professional conduct requires.
Calculate the tax on your mortgage
Enter the amount and purpose of the mortgage: the calculation runs in your browser, no data is sent anywhere.
Is the bank asking for a mortgage on your parents’ home too? Someone who gives a mortgage to secure someone else’s debt is a third-party mortgagor: they do not pay the instalments, but their property stays encumbered until the mortgage is reduced or the loan ends. This is not the same as a personal guarantee, which puts the whole estate on the line: before signing, we go through the draft together with whoever is acting as guarantor too.
Refinancing, assumption, discharge: when do you need a deed?
Refinancing (art. 120-quater of the Consolidated Banking Act) moves the mortgage to a bank with better terms: it needs a notarial deed, but the law forbids charging you any cost, and the whole process must be completed within 30 working days. Assumption applies when you sell a property that still has a mortgage on it and the buyer takes it over: it is recorded in the purchase deed, with or without releasing the original borrower, and the bank must agree. Discharge of the mortgage, since 2007, happens automatically once you finish paying; a notarial deed is only needed in special cases. For example, when you need to sell and the buyer is taking out a new mortgage. Or when the mortgage was registered before 2007 and the bank has not yet reported that it has been repaid.
What do you need to bring to the office?
- ID and tax code of the borrower and of any guarantors; extract of the marriage certificate or certificate of single status.
- The PIES (the European standard information sheet) and the draft contract received from the bank, with the approval and the contact details of the case handler.
- Title deed for the property to be mortgaged, land registry and cadastral records (we obtain these), details of any earlier mortgages to be repaid.
- For refinancing: the settlement figure from the old bank and the approval from the new one.
- For assumption: the current mortgage contract and the up-to-date repayment schedule.
The full list is on the Documents page.
How long does it take?
From the bank’s approval to signing, it usually takes two to three weeks: this covers the notarial report, the final draft and the seven-day reflection period the law gives you. On signing day, the mortgage and the purchase deed are signed one after the other. Some banks disburse immediately, others after the mortgage lien is consolidated (ten days after registration): in that case we agree in advance with the seller how to cover the wait. Refinancing takes around a month; a discharge deed is done in a few days.
Have the mortgage draft and want to understand it before signing?
Send us the PIES and the amount: you will receive a written approximate quote for the mortgage deed in a short time. Or we can go through the draft together in a 30-minute online consultation.
Ask for a quote Book an online consultation WhatsApp: we’ll call youFrequently asked questions
Can the bank impose its own notary?
No. The notary is chosen by whoever pays for the deed, meaning the borrower. The bank can set requirements the draft must meet, not choose the professional.
Is refinancing really free?
Yes: by law you cannot be charged costs, fees or taxes, and any clause that stands in the way is void. A notarial deed is still needed, but it is paid for by the new bank. This is different from a full substitution (a new mortgage and a new lien), which carries all the costs of a new mortgage.
I’m under 36: are there still benefits?
Full exemption from taxes for the under-36s ended in 2023; the Consap first-home guarantee fund remains. It guarantees up to 80% of the mortgage for young people with an ISEE (means-tested income indicator) of up to €40,000, and it was extended by the 2026 budget law. Details in First-home benefits under 36: what is left.
Can I pay off the mortgage early and pay less interest?
Yes, and with no penalty if you are an individual and the mortgage was for your home (art. 120-ter of the Consolidated Banking Act). Ask the bank for the settlement figure: interest is only due up to that date.
Learn more
- The full guide: Mortgages and the notary: the guide
- Home mortgages: 10 things to know before signing
- First-home tax benefits: taxes, requirements, forfeiture
- First-home benefits under 36: what is left
- Twenty-year mortgage searches: why the notary carries them out
- Notary for property purchase in Naples · Frequently asked questions · Glossary · Calculators
Studio Notarile Marco Fiorentino · Via Cuma 6, 80132 Naples, Italy · tel. and WhatsApp +39 352 273 7467 · segreteria@notaiofiorentinomarco.com · Notary since 2011. Professional liability policy AIG Europe Limited no. IFL0008350 and collective CNN policy no. IFL0008164.151675, cover €3,000,000. Sources: articles 15-18, Presidential Decree 601/1973; articles 40-bis, 120-ter, 120-quater and 120-novies, Legislative Decree 385/1993 (Consolidated Banking Act); in force as of September 2026. The written quote prevails over this page.
Marco Fiorentino, a notary since 2011 and in Naples since 2026, enrolled with the Notarial Council of the Joint Districts of Naples, Torre Annunziata and Nola. Office at Via Cuma 6, 80132 Naples (Santa Lucia). Who the notary is and how he works.
This page has been translated with automatic tools (such as Google Translate). The Italian version is the authoritative text.
© Studio Notarile Marco Fiorentino — Via Cuma 6, 80132 Naples, Italy.
The quote for your mortgage. To find out straight away what the mortgage deed costs, you can use the page Approximate written quote for a mortgage. There you will find the taxes and the approximate fee, item by item. On discharging the mortgage and on refinancing timelines, see Mortgage refinancing: timing, documents and discharge of the mortgage.
Further reading: Notary for Companies in Naples, Online Included: Incorporation, Shares, Business Transfer