Buying Real Estate in Lugano and Ticino as a Foreigner: A Complete Guide

In recent years Lugano and the canton of Ticino have become two of the most attractive places in Switzerland for foreigners interested in buying property. Located in the sunny south of the country, right on the Italian border, this area combines the safety and political stability of Switzerland with the relaxed Mediterranean atmosphere of Italy. For many expats, purchasing a house or apartment in Lugano means much more than a real estate transaction: it is an investment in quality of life, security, and long-term value.

Lugano is a lively international city with a strong financial sector, modern infrastructure, cultural events, and a thriving expat community. Around the lake, quiet residential neighborhoods and elegant villas create a perfect balance between cosmopolitan life and privacy. Beyond the city, Ticino offers picturesque villages, lakeside promenades, and mountain retreats, giving foreign buyers a wide choice of lifestyles and budgets.

Understanding Rules and Opportunities

When it comes to buying real estate in Ticino as a foreigner, it is essential to understand the Swiss legal framework, known as the Lex Koller. This law distinguishes between primary residences—homes where you actually live full-time—and secondary residences or holiday properties. Foreigners relocating permanently to Lugano can usually buy a primary residence if they have, or are applying for, a valid residence permit. Holiday homes are allowed only with specific authorization, and availability depends on location and demand. Compared to Zurich, Basel, or Geneva, Ticino is generally more flexible, which explains why the market is so dynamic among international property investors.

The real estate market in Lugano and Ticino is diverse and competitive. In the historic center, modern apartments attract professionals and investors who want to stay close to shops, restaurants, and offices. On the hills above the lake, exclusive villas with panoramic views appeal to buyers from all over Europe, the Middle East, and Asia. Families moving to Ticino often choose peaceful residential areas with larger houses, gardens, and quick access to international schools. Outside Lugano, towns such as Morcote, Ascona, and Locarno combine charm and services, offering attractive alternatives at competitive prices compared with other Swiss regions.

Financing a purchase is possible through Swiss banks, but foreign buyers should be aware that down payments are often higher and mortgage approval requires proof of income or assets. Working with local experts can help structure financing efficiently and clarify the tax aspects, such as wealth and property tax, which vary according to personal circumstances.

How to Buy Property in Lugano

The process of buying property in Lugano is transparent but highly regulated. After choosing your dream home, you sign a preliminary agreement and then complete the sale before a Swiss notary, who ensures that the transaction complies with the law and that ownership is correctly transferred. For foreign buyers, the notary also checks residence permits and authorization under the Lex Koller. Because the system is rigorous, many expats prefer to rely on local advisors who understand the market and the bureaucracy, making the experience smoother and more secure.

Purchasing real estate in Ticino is often linked to obtaining a Swiss residence permit. EU citizens generally face a simpler process, while non-EU nationals may need to show financial independence or an employment contract. Owning a primary residence in Lugano can support your residence application and demonstrate a clear intention to settle in Switzerland.

Lifestyle and Investment Benefits

Owning a house or apartment in Lugano is more than a financial decision: it is a gateway to an exceptional lifestyle. The region enjoys over 2,300 hours of sunshine each year, a mild climate, excellent healthcare, and a vibrant cultural calendar. Professionals value the proximity to Milan—just one hour by train or car—and the strength of Lugano’s financial and technology sectors. Families appreciate the safe environment and the presence of international schools, while retirees enjoy peace of mind, beautiful scenery, and a relaxed pace of life.

Global uncertainty has increased demand for property investment in Switzerland, and Ticino stands out thanks to its blend of stability, accessibility, and natural beauty. Whether you are looking for a modern apartment, a lakefront villa, or a long-term asset in a solid market, buying real estate in Lugano offers both security and pleasure.

Make Your Move with Knotted.ch

Are you thinking of buying a house or apartment in Lugano or Ticino? At Knotted.ch we help expats navigate every step, from understanding the rules for foreign buyers to connecting property purchases with residence permits, tax planning, and relocation support.

📱 WhatsApp: +41 76 771 30 22

📧 Email: info@knotted.ch

With our expertise, purchasing property in Lugano and Ticino becomes simple, transparent, and tailored to your needs.