Discover the solution tailored to you
Service and products
Designed for yours freedomfinancial.
From the first consultation to the deed
Feasibility analysis
I examine your income situation and your goals. I calculate your loan-to-value (LTV) and your optimal installment / income ratio.
Comparison on 30+ banks
In a single appointment I can get enough information, to compare market offers, explaining all the differences between them.
Income resolution
I present the file to the chosen bank. We obtain the resolution before the appraisal of theimmovable, guaranteeing you the safety inpurchase.
Slender process
Well, it is useless to explain how much bureaucracy there is between the decision to propose for a property and obtain the mortgage, not to mention all the obstacles to get to the deed. Don’t worry, I’m here.
I don’t just deal with first home mortgages
100% first home loan
fixed or variable, duration up to 30 years, up to80% of the value? not always, you can get even 100% of the price dpurchase even without the guarantee of the Consap under 36 state.
Mortgage subrogation
Pay less every month. Zero notarial costs, zero penalties. We analyze the market conditions to make you pass at better rates.
Mortgage of liquidity and restructuring
Get up to 50-60% of your mortgage-free investment-free home value, or merge lpurchase at restructuring costs.
wait, it’s not over here
Employee loans
The assignment of the fifth consists in the assignment of shares of one’s salary or salary for a value of up to one fifth of the same. Ideal for civil servants and retirees.
Real estate leasing and foreign income
Advice for theAccess to leasing of any amount for all companies.
you work allabroad and you want to buy a house in Italy, there are banks that also finance you.
Mortgage Florence, Prato and Tuscany
Purchase second home, now it is also possible by financing 100% of the price dpurchase. foreign income or registered allA.I.R.E, no problem.
Questions frequent on services
What documents are needed for the first home loan?
Document Didentity, tax code, the last 3 payslips, lLast tax return, single certification, lLatest unique model for self-employed, cadastral plan, visura and ldeed of origin of themotionless.
How long does it take to get a mortgage?
On average, the banks ask their customers about 9-12 weeks from the request to the resolution. Gate to the collaborations with 30+ banks, of the credit mediation company, Euronsa S.p.A., the times are often reduced to 4-6 weeks.
But is it possible to have 100% of the mortgage even if I am over 36 years old?
Of course, the state guarantee, Consap grants the mortgage 100% also to those who are over 36 years old, but who respect the characteristics concerning large families (3 children under 21 dependent) or there are banks that, it grants us both the 95% of the price dPurchase and at best, the profile permitting, we can also fight to get 100%.
Financial advice and mortgage broker in Florence and Prato
Lworld trend
The panorama of home loans in Italy is complex. In recent years, the interest rates of the ECB (European Central Bank), lEuribor (variable rate index) and IRS indices (fixed rate) fluctuate continuously.
LImportance of an OAM mortgage broker
AsBroker and mortgage consultant, Euroansa SpA collaborator, registered withOam no. m.191, I can evaluate the APR by including the expenses dpreliminary investigation, insurance costs and that concerning the appraisal.
I work throughout Tuscany
Florence: Scandicci, Empoli, Lastra a Signa, Sesto Fiorentino, Calenzano, Campi Bisenzio, Signa, Bagno a Ripoli, Pontassieve, Valdarno…
Prato: Cantagallo, Carmignano, Montemurlo, Poggio a Caiano, Vaiano and Vernio.
Pistoia, Arezzo, Lucca … all of Tuscany and if necessary, even throughout Italy.
Don’t wait, get in touch
Summarizing
How my method works
Every situation is different. For this there is no standard package, a solution that is the same for everyone. Before talking about banks, rates and installments, I always start with you – from your real situation, your goals and your times.
The process is simple: in the first free consultation we analyze your profile together, we understand what you can achieve and from whom, and build a tailor-made strategy. Only then do I present the concrete options – the ones that really make sense to you, not the easiest ones to sell.
Not just numbers
Getting a mortgage doesn’t just mean having the right income. It means having the right practice, presented in the right way, to the right bank. A poorly constructed dossier can turn an excellent profile into a waste. A well-built dossier can turn a complex situation into a positive resolution.
This is the job I do every day — and that most people don’t see, but that makes all the difference.
For whom this service is suitable
I turn to those who are buying a house for the first time and do not know where to start. To those who already have a mortgage and suspect they can pay less. To those who have a particular situation – self-employed, foreign income, atypical contract – and have already heard “no” from some bank. To those who want to buy a property to make income. To those who simply want someone trusted by their side, who speak clearly and do not waste time.
I work throughout the national territory
I have a consolidated presence in Florence and Prato, but I follow customers throughout Italy. Consultancy can take place in person, via videocall or by telephone – as you prefer. What does not change is the quality of the service and my availability throughout the journey.
No mortgages, no costs
My advice is free. I am remunerated by the bank only with the loan disbursed. This means that my only incentive is to find the right solution for you – don’t push yourself towards something that is not for you. If you don’t get your mortgage, you don’t owe me anything.