Credit adviser registered with the OAM for Kìron Partner S.p.A.
Francesco Capomassi
I have been doing this for 19 years. In that time I have learned one thing that really matters: the difference between a yes and a no almost never lies with the client, it lies in which bank reads their situation and how it is put to them.
- 20 partner lenders
- 19+ years of experience
- 30.000 mortgages arranged
- 543 families helped in 2025
My name is Francesco Capomassi and I own the Kìron offices in Modena, Bologna, Sassuolo and Casalecchio di Reno. By number of clients and by millions of euros of mortgages arranged, Kìron Partner S.p.A. is the largest credit brokerage in Italy.
Unlike most credit brokers, who tend to be small independent outfits, our strength lies above all in the sheer volume of applications we take to the banks every day. That makes us more credible in the eyes of branch managers, it lets us obtain better terms and it gets us answers more quickly. Across 30.000 mortgages arranged, those relationships have become the most valuable thing I have.
In practice my work is this: I listen to your situation, I tell you frankly what is realistic and what is not, I prepare the file once and take it to the lenders that genuinely make sense for your profile. Then I deal with the bank, the surveyor, the estate agent and the notary, and I call you when there is something you need to know, not when it is too late to do anything about it.
I do not work alone: there is a team across the four offices, and you will often find my colleagues named in the reviews. That is deliberate. One adviser can look after twenty families properly; in 2025 we looked after 543.
I see clients by appointment at all four offices, including outside office hours. The first assessment is free and takes ten minutes on the phone.
How I work
Four rules I never bend
- 01
I tell you in advance if it cannot be done
I would rather lose a case than have you lose six weeks getting to a no I could already see coming.
- 02
One person, from start to finish
You are not passed between departments: the person who answers the phone is the person handling your file.
- 03
Numbers, not percentages
I tell you what you save in euros across the whole term, not in basis points.
- 04
Nothing to pay before the result
The fee falls due only once the loan is approved. Until then I ask you for nothing.
What I do
The cases I handle every day
You only pay if you get the mortgage
My advice carries no risk for you: the broker fee is due only if the loan is approved and you sign at the notary. If you do not complete, you owe me nothing. The amount is confirmed to you in writing before we start, together with every cost charged by the bank.
The 35 days are the average measured across the cases our offices have closed, from the first consultation to signing. Approval remains the bank's decision: timings vary with the lender and with how complete your paperwork is.
Let's talk
Ten minutes on the phone
Tell me your situation: by the end of the call you will know what you can afford, what monthly payment works and what your real chances are. No documents, no commitment.
- An answer within one working day
- Free assessment, no commitment
- Nothing to pay if you do not get there