Any doubt must be eliminated
Never be afraid to ask
Whether you are buying your first home or want to get out of a mortgage that no longer convinces you, it is normal to have doubts. I have collected the questions they ask me most often – with true answers, without unnecessary technicalities.
1 coffee
the time it takes to understand if you can get the mortgage
0 €
What you pay me if you don’t get your mortgage
All of them
families who already have the house keys thanks to us
1 person
you talk to sinceI start at the end – always me, never a counter
FAQs
We are here to look for the answers
soIs it a mortgage broker and why is it convenient compared to going to the bank alone?
A mortgage broker is an independent consultant who does not work for any bank, but for you. Compare the offers of over 30 credit institutions and find the one that best suits your situation – not the bank. going alone to the branch means seeing aonly offer. Relying on a broker means having the whole market on your side.
Can I get a 100% mortgage without down payment?
Everyone will tell you that you must be under 36 years old, or other features to claim the Consap status guarantee. It is true that with this guarantee, you have more benefits, but do not be afraid, there are several banks that finance you even up to 95% of the price dPurchase and … there are some that even finance you up to 100%. Did you know? I am here for this, contact me and let’s get the most out of the bank.
What happens if I am a self-employed or a freelancer?
One of the cases I handle most often. Traditional banks often hold back in front of variable incomes or young VAT numbers – but not all of them. Some are much more flexible and evaluate the income of the last two years differently. With a broker you know immediately which banks you can turn to and with what real expectations.
sois the subrogation and when should it be done?
The subrogation is the transfer of your current mortgage to aAnother bank, under better conditions – no costs and without having to sell a house. It is worthwhile when market rates have dropped from when you signed, or when your current bank does not offer you competitive conditions. On average, my customers save between € 150 and € 300 per month. It only takes a few minutes to understand if it is worthwhile.
How long does it take to get a mortgage?
From the first contact to the resolution, on average between 3 and 5 weeks, depending on the bank and the complexity of the practice. In 48 hours I already give you a pre-feasibility – that is a clear picture of what you can achieve and from whom, even before asking any formal questions.
Can I apply for a mortgage even if I have had problems with payments in the past?
It depends on the type and theentity of the problem. An isolated delay a few years ago is different from an active report in Crif. In some cases it is still possible to find a solution, with more flexible banks or with time in favor. The first thing to do is to understand exactly your situation – and we do this together, without judgment.
I work in Florence but I want to buy a house in Prato (or vice versa): is it a problem?
No, indeed. I work throughout the national territory, with a consolidated presence both in Florence and in Prato. The area where you work and the one where you buy a house does not affect the possibilities of obtaining the mortgage – what matters is your income profile andProperty you want to buy.
What do I need to start?
Almost nothing, to begin with. In the first free consultation I just need to understand your situation: type of contract, approximate income, available savings and type of property you are looking for. We only collect formal documents when we are ready to submit the file to the bank.
I have foreign income or work allAbroad: can I still apply for a mortgage in Italy?
Yes, and I am one of the few brokers who handle this type of situation regularly. that you are an Italian worker allabroad, a foreign citizen residing in Italy, or that you have income from several countries, there are banks willing to evaluate your practice – but they must be able to search. The required documentation is different from a standard case, but with the right preparation the path is absolutely feasible. Tell me your situation and find the right path together.
Still some doubts?
Well, that’s normal