Your first home in Florence

Mortgage First home in Florence:
local and transparent consultancy

Buying the first house in Florence is an investment of absolute value, but the market is complex. that you are aiming for a historic apartment in Oltrno, a familiar solution to Rifredi or a property a Novoli, average prices (often above € 4,000 / sqm) require a precise financial strategy. As a local consultant, I help you navigate between the architectural constraints and the evaluations of the Florentine experts, guaranteeing you theaccess to the best state and banking facilities.

Discover your ideal mortgage now

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The exclusive benefits for the first home

Read carefully and always be very informed before addressing any banking proposal for your first home in Florence.

Mutuo Firenze e Prato, Broker Mutui a Firenze e Prato

CONSAP Fund (state guarantee)

If you are under 36 years old and ISEE <40,000 €, the State is the guarantor until80%. the bank finances thefull price, reducing the required initial liquidity.

It can also be done without consap

Reduced notary rate (tax 2%)

LRegistration tax drops from 9% to 2% (calculated on the cadastral value). Mortgage and cadastral taxes are fixed at € 50.

Immediate savings

Mutuo Firenze e Prato, Broker Mutui a Firenze

deration of interest expense (IRPEF 19%)

The state returns 19% of the interest paid. out of € 4,000 of maximum ceiling, € 760 net every year in tax returns.

Smart operation

“Green houses” concessions

Real estate in class A or B? discounted rates (green discount) and 50% deduction ofVAT onPurchase for new buildings.

Investment

Second house

If you were to go directly to the bank to buy your second home, you could apply the rate for that product, without taking into account other solutions.

installment calculation

It doesn’t end here

The concessions and “aids” from banking institutions do not end there.

who I am

Buying your first home in Florence: what to know

Florence is one of the most dynamic real estate markets in Tuscany, with very different prices between the historic center, the semi-center and the suburbs. A local consultant helps you to orient yourself.

local advice

Here you are not a number: you are followed as a person, with aAnalysis of your income capacity based on the real real estate values of Florence.

comparison delite

Thanks to the collaborations with 30+ banks, I have lOpportunity to compare all the proposals and no, it is not just the rate, for that there are the estimates. I know all the credit policies of each bank and I do the comparison based on that, not going by attempts, based solely and exclusively on the lowest rate.

Signed by the notary

I follow you step by step up to the deed, collaborating with the main notary firms of Florence and its province.

Let’s feel it

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Don’t be afraid to get in touch if you have a thousand questions, I’m here for this

Discover other services

subrogation

Do you have an active mortgage in Florence? We can help you renegotiate or transfer it, getting more favorable conditions without charge

liquidity loan

Transform the value of your property into liquidity, sparking solutions with more competitive rates than funding

debt consolidation

Do you want a loan in the Tuscan capital? Discover all the opportunities available in Florence

Funding and CQS

Get liquidity quickly, even without properties under warranty, comparing the best offers tailored to you

First home loan

I realize the dream of the first home in Florence with proposals and designed to offer you the most convenient conditions of the moment.

Contact me whenever you prefer, we evaluate your situation together in a simple way without obligation in the initial costs

I analyze the proposals of over 30 credit institutions and select from the options most in line with your needs.

I show you every detail clearly: installments, conditions and benefits; So you can decide in full autonomy.

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Ti risponderò entro 24 ore.

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What is compulsory residence?

The “compulsory residence” for the first home is the obligation to have a residence in the municipality where the property purchased with the “first home” concessions is located.
You have two possibilities:
be already resident in that municipality at the time of purchase;
transfer the residence within 18 months of the deed.
It is not mandatory to live physically in the property, but to be resident in the same municipality.

Can I resell before 5 years?

Yes, you can sell your first house even before 5 years of purchase.
But be careful: you could lose the “first home” tax breaks obtained at the deed.
In order not to lose them, you must buy another home to be allocated to a first home within 1 year of sale. Otherwise, the Revenue Agency may request: tax difference, interest, penalties.

How important are the guarantors?

The guarantors increase the possibility of approving the mortgage, especially if the applicant’s income is low or the employment contract is atypical. The bank will also assess the guarantor’s income and credit situation. They don’t solve everything, but they can make a difference in borderline cases.

How much is the remuneration for the first consultancy and when?

The first consultancy and pre-feasibility is always free, in addition to being a pleasure to meet and confront each other, my agreed remuneration is respected only at the end of the sale, with the keys in hand.

Can I compare multiple offers before deciding?

Undoubtedly, indeed, it is always better to have a direct comparison with already informed customers, in order to make me understand better, especially the reasons for which to opt for a solution compared to aother.

Mortgage First home in Florence:local and transparent consultancy