The house is out there.
All you need is the right mortgage

In many cases yes. Financing the full price almost always goes through the First-Home Guarantee Fund managed by Consap, which guarantees up to 50% of the principal and makes the loan viable for the bank. It is open to people buying a first home that is not classed as a luxury property (cadastral categories A/1, A/8 and A/9 are excluded) and who do not already own another residential property. Priority access to the enhanced guarantee is reserved for the categories set out in law — under-36s, young couples, single-parent families with minor children, social-housing tenants and large families — within income thresholds updated each year. The last word rests with the bank: we verify the requirements and take your application to the lenders that, for your profile, really do reach 100%.

Not necessarily. Every lender assesses by its own criteria: as credit brokers we approach more than 30 partner banks, and one of them often reads the same situation differently. We cannot guarantee the outcome, but we can present your case to the lenders best suited to your profile. The exception is an active adverse listing at the central credit register, which no bank will take on.

The first assessment commits you to nothing and costs nothing. Any brokerage fee is set out in writing before the application starts and appears in the pre-contractual documentation, together with every other cost item.

Yes, and it is an important part of our work. Banks assess the stability of your income and the validity of your residence status, not your nationality: many ask for a long-term permit or a minimum number of years of registered residence. We explain which documents are needed and how the bank thinks, in plain words and in several languages. The contractual paperwork stays in Italian, as the law requires, but we read it together.

The city of Brescia and the whole province: the urban belt (Concesio, Rezzato, Botticino, Gussago, Roncadelle, Castenedolo), Val Trompia and Val Camonica, Franciacorta and Lake Iseo, the lowlands from Manerbio to Orzinuovi, the Montichiari–Ghedi corridor and Lake Garda from Desenzano to Salò. We also cover Castiglione delle Stiviere and the provinces of Mantua, Cremona and Parma. The office is at Via della Volta 4/B, right above the Volta metro stop.

No, and when it is not we say so. A surroga moves your mortgage to another bank on better terms and is free of charge for the borrower by law (Decree-Law 7/2007): no penalties, no notary fees on your side. But if your mortgage is nearly paid off, or your current rate is already competitive, the saving can be negligible. We do the maths and show you the number.