First-home mortgage · Modena, Bologna, Sassuolo, Casalecchio
First-home mortgage in Modena and Bologna: from application to completion in 35 days
You have signed an offer with a date on it, or you are about to. From here only one thing matters: getting the application to the right lenders straight away, with the file already in order.
La coerenza fra i contenuti e la realtà è la cosa che mi ha convinto di più
- Kìron Partner S.p.A. · OAM no. M39
- More than 20 partner lenders
- 19 years of experience
This is for you if
You are buying the home you will live in, between Modena, Bologna and the towns around them, and you have a completion date to meet.
How it works
I find the bank that lends to a profile like yours, prepare the file once and submit it myself. From there I follow the case through to the signing.
What you get
The best two or three offers set side by side, and an application handled through to completion, without your having to deal with any bank.
- How much you can borrowUp to 80% of the valuation; up to 95-100% with the state first-home guarantee fund (Consap), if you qualify.
- TermFrom 5 to 30 years, fixed or variable rate.
- DocumentsID, tax code, the last two years of income, bank statements and the property paperwork.
- First assessmentFree and with no commitment: we look at whether it is feasible, at no cost and with no obligation to proceed.
On your own, or with me
The same weeks, spent two different ways
On your own
- Three branches, three appointments in office hours
- Three files to put together from scratch each time
- One offer at a time, with nothing to compare it against
- Six weeks, when your offer gives you six
With me
- A single file, prepared once
- More than 20 lenders approached in parallel
- The best offers side by side on the same sheet
- Approval in under 35 days, on average
Timings are averages measured on this office's own cases. Approval remains the bank's decision and can vary with the lender and with how complete your paperwork is.
Start here
How the consultation works
- 1A ten-minute phone callIncome, type of contract, cash available, house found or still to find. By the end you know what you can afford and what your real chances are.
- 2The offers comparedI pick the right lenders for your profile, submit the application and bring you the two or three best offers side by side.
- 3Through to the signingValuation, approval, coordination with the estate agent and the notary, release of funds. If something stalls you hear it from me before it becomes a problem.
FAQ
Frequently asked questions
Why use a broker if I can go to the bank myself?
You can, and on a straightforward case it often works. The difference is that a branch can only offer you its own products, whereas I compare those of more than twenty partner lenders and know in advance what criteria each one applies. You save yourself the round of the branches and reach the decision with offers already filtered for your profile.
How much does the advice cost?
The first feasibility assessment is free and commits you to nothing. The broker fee is due only if you obtain the loan and 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.
Can I borrow 100% of the price?
In many cases yes, through the state first-home guarantee fund managed by Consap. It applies to a main residence that is not classed as luxury (cadastral categories A/1, A/8 and A/9 are excluded) and to buyers who own no other residential property. One point to watch: the percentage is calculated on the valuation and does not cover the notary and the taxes, which remain yours to pay.
My bank said no: does that change anything?
Often it does. Each lender assesses against its own parameters — length of employment, type of contract, payment-to-income ratio, the nature of the property — and a case turned down at one branch is regularly approved elsewhere. I cannot guarantee the outcome, but I know where to take it and how. The exception is an active listing on the credit register, which no bank will accept.
We are a foreign family: is it more complicated?
It is a large part of what our offices do, and it is not an obstacle in itself. What changes is the paperwork — residence permit, employment history, sometimes translations — and above all which bank it is worth approaching, because policies on this differ a great deal from one lender to another. I check first which requirements you already meet and which have to be built.
Other services: Mutuo seconda casaSurroga mutuoConsolidamento debitiCessione del quintoMutuo ristrutturazione
Who handles your case
Francesco Capomassi
Credit adviser registered with the OAM for Kìron Partner S.p.A.
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.
- Kìron Partner S.p.A. — credit broker registered with the OAM under no. M39
- Modena, Bologna, Sassuolo and Casalecchio di Reno
- By appointment at any office or by video call, including outside office hours