Financing Plans Tailored to Your Needs

REALIS CAPITAL FINANCE SPA offers three structured financing tiers designed to serve the distinct requirements of individual homebuyers, property investors, and commercial borrowers. Each plan is built around a clear fee structure, defined loan parameters, and a dedicated level of service. Our team will help you identify the plan that best aligns with your asset profile, income capacity, and financing objectives. All plans include personalised credit assessment and direct access to our lending team.

Consumer Mortgage

From 4.9% p.a.

Designed for individual borrowers purchasing or refinancing a primary or secondary residential property. Best suited to employed applicants seeking fixed-rate stability over a defined loan term.

  • Fixed-rate mortgage from 4.9% per annum
  • Loan amounts from €50,000 to €1,500,000
  • Terms from 5 to 25 years
  • Dedicated residential lending advisor
  • Full documentation and title support

Secured Property Investor

From 5.6% p.a.

Structured for private investors and landlords financing buy-to-let residential portfolios or single commercial units. Includes rental income assessment and portfolio-level underwriting.

  • Secured loan backed by real property collateral
  • Loan amounts from €150,000 to €5,000,000
  • Rental income considered in serviceability analysis
  • Credit guarantee issuance available
  • Flexible amortisation and interest-only options

Commercial & Business Property

From 6.2% p.a.

Built for SMEs, corporate borrowers, and commercial real estate investors seeking financing for business premises, development projects, or commercial portfolio refinancing.

  • Commercial mortgage loans up to €20,000,000
  • Business property acquisition and refinancing
  • Cash flow and asset-backed underwriting
  • Dedicated commercial relationship manager
  • Structured drawdown and phased disbursement