Tell us the mortgage you need.
The banks are our job

In many cases yes. Financing the full price almost always goes through the First-Home Guarantee Fund managed by Consap, which guarantees up to 50% of the principal and makes the deal viable for the bank. It is open to people buying a first home that is not classed as a luxury property (cadastral categories A/1, A/8 and A/9 are excluded) and who do not already own other residential property. Priority access to the enhanced guarantee is reserved for the categories set out in law — under-36s, young couples, single-parent families with minor children, social-housing tenants and large families — within income thresholds updated each year. The last word rests with the bank: we check the requirements with a free pre-approval and take the application to the lenders that, on your profile, really do reach 100%.

It is the bank's preliminary answer on the amount you are able to borrow, obtained before you have found the property or before you sign an offer. It costs nothing and commits you to nothing. It does two things: it stops you falling in love with a property beyond your reach, and it lets you walk into the estate agency with an amount already checked by the bank — which counts in the negotiation when other buyers are interested in the same flat.

It is a contribution the office grants towards the costs of the mortgage application. We talk it through at the first meeting, before anything starts, along with every other cost item: the terms and the amount are set out in writing in the pre-contractual documentation, as the transparency rules require.

On the applications we handled over the past year, approval arrived on average 35 days after submission. The figure varies with the bank chosen and above all with how complete the documents are: that is why we give you the list of what is needed once and in full, instead of asking for it piece by piece.

Not necessarily. Every lender assesses by its own criteria: as credit brokers we work with 30 partner banks, and one of them often reads the same situation differently. We cannot guarantee the outcome, but we can present your case to the lenders best suited to your profile. The exception is an active adverse listing at the central credit register, which no bank will take on.

Yes, and it is an important part of our work. Banks assess the stability of your income and the validity of your residence status, not your nationality: many ask for a long-term permit or a minimum number of years of registered residence. We explain which documents are needed and how the bank thinks, in plain words and in several languages. The contractual paperwork stays in Italian, as the law requires, but we read it together.

Castiglione delle Stiviere and the whole Alto Mantovano — Solferino, Medole, Guidizzolo, Cavriana, Volta Mantovana, Castel Goffredo, Asola, Ceresara, Goito — as far as the city of Mantua. On the Brescia side we cover the southern shore of Lake Garda and the plain: Desenzano, Lonato, Sirmione, Pozzolengo, Carpenedolo, Montichiari, Calcinato. We also see clients from the provinces of Brescia, Cremona and Parma. The office is at Via Giuseppe Mazzini 22, in the centre of Castiglione.

No, and when it is not we say so. A remortgage moves your loan to another bank on better terms and is free of charge for the borrower by law (Decree-Law 7/2007): no penalties, no notary fees on your side. But if your mortgage is nearly paid off, or your current rate is already competitive, the saving can be negligible. We do the maths and show you the number.