Guide to obtaining a mortgage certificate

The mortgage certificate is an official document issued by the Land Registry (now the Real Estate Advertising Services) that reports the legal status of a property or individual, indicating the transcriptions, registrations, and annotations present in the land registers.

It certifies ownership, transfers of ownership, and any existing liens such as mortgages, foreclosures, injunctions, or other encumbrances affecting the property. This document is essential for procedures such as inheritance and any real estate transaction requiring legal certainty.

Here's a guide to requesting a mortgage certificate online through the Agenzia delle Successioni.

How to request a mortgage certificate online?

With the Agenzia delle Successioni, you can request and receive your mortgage certificate directly online, without having to visit the Land Registry office.

The service is intended for heirs who require mortgage documentation to manage inheritance procedures or to verify the legal status of inherited properties.

To complete the request, simply:

1. Download the forms at the bottom of the page (Delegation and Privacy Policy).
2. Fill them out and sign them, specifying “ Mortgage Certificate ” as the type of document required.
3. Send the documentation to segreteria@agenziadellesuccessioni.it, attaching copies of the interested parties' identity documents and tax codes.

After receiving the request, the Agenzia delle Successioni will check the land registry and send a personalized quote based on the properties and inspections needed.

By relying on the Agenzia delle Successioni, you can quickly, safely, and traceably obtain the main mortgage certificates, inspections, transcription notes, and certifications useful for succession, avoiding long waits and bureaucratic procedures.

There are several key advantages: No lines at the Land Registry offices, saving time and costs. Completely digital management, from request to document delivery.

Who issues the mortgage certificate?

The mortgage certificate is issued by the Land Registry (Real Estate Publication Services) with jurisdiction over the area. Through formal authorization, the Agenzia delle Successioni can process the request to the local offices and send the document directly to the applicant in digital format.

Mortgage documents can be requested throughout Italy. The most popular requests to the Agenzia delle Successioni are for mortgage certificates in Milan and Turin.

What is the purpose of a mortgage certificate?

A mortgage certificate is required in numerous legal, inheritance, and administrative circumstances to verify the ownership and legal status of a property.

It is necessary, for example, for the inheritance declaration, for the sale of a property, to check for the presence of mortgages or foreclosures, or to reconstruct the history of ownership transfers.

The document has probative value. It certifies the land registry records and allows verification of the property's freedom from encumbrances that could limit its use or marketability.

The mortgage certificate is a legally relevant document, essential for the proper management of properties and land.

What's the difference between a mortgage certificate and a land registry certificate?

To fully understand the condition of a property, it is crucial to distinguish between the mortgage and land registry records.

The land registry certificate provides a technical and fiscal "identity card" for the property, including its income, surface area, size, and identifying information. Its value is both informative and tax-related. To request a land registry certificate, simply access the following link, where you can submit the request to the Agenzia delle Successioni.

The mortgage certificate, on the other hand, documents the legal situation with ownership, transfers of ownership, mortgages, foreclosures, and liens. Its value is probative.

In addition to the mortgage search, the Agenzia delle Successioni can take care of obtaining the succession deeds, historical extracts, plans and registry certificates necessary for the succession declaration.

View the complete list of documents obtainable with a single proxy, easily, securely, and in compliance with current legislation.