First-home mortgage · Turin and Piedmont
First-home mortgage in Turin: approval in under 30 days
You have signed a purchase offer with a deadline, or you are about to. From here one thing matters: getting the application in front of the right lenders, straight away, with the file already complete. On average our clients get their approval in under 30 days.
- ★ 5,0 272 Google reviews
- 30+ lenders approached in parallel
- < 30 gg to approval, on average
- 0 € if you don’t reach completion
You only pay if you reach completion
Our advice carries no risk for you: our broker fee is due only if you obtain the loan and sign at the notary. If you do not complete, you owe us nothing. The amount is confirmed to you in writing before we start, together with every cost charged by the bank.
Average timings recorded on applications handled by this branch. Approval remains the bank’s decision: timings can vary depending on the lender and on how complete your documents are.
What people usually think
Going to your own bank is sensible. Here is what they will not tell you.
Half the time the branch where you hold your account will make you an acceptable offer. The problem is not that it is a bad one: it is that you have nothing beside it to judge by.
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“My bank knows me, it will give me the best terms”
Half a point of margin on €150,000 over twenty-five years is around €12,000 in extra interest.
Why
The bank where you hold your account knows your balance, not how other lenders would rate you. Half a point of margin on a €150,000 loan over twenty-five years comes to roughly €12,000 in extra interest. You will not see that difference until a second offer sits next to the first.
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“I’ll ask two or three banks and compare”
Three branches in a row is two months. Your purchase offer gives you forty-five days.
Why
Every branch wants the documents its own way and takes two or three weeks to reply. Three banks one after another is two months. If your purchase offer allows forty-five days for approval, the time runs out before you reach the third.
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“I can find the best rates online”
Online you see the headline rate. On your actual profile two banks can be half a point apart.
Why
Online you see the headline rate, the one reserved for the strongest profile. What you are actually offered depends on income, type of contract, age, loan-to-value and on how keen that lender is to write mortgages this month. On one and the same profile two banks can be forty or fifty basis points apart.
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“If they say no, it means I don’t qualify”
A no is that bank’s no. Loan-to-value, fixed-term contracts and sole traders are judged differently everywhere.
Why
A no is that bank’s no, under its own rules. Maximum loan-to-value, fixed-term employment contracts, recently registered sole traders, the age of the borrower: lenders have different rules on every one of these points. We regularly get approvals on cases turned down elsewhere.
★★★★★
Mi ha aiutata a ottenere il mio primo mutuo al 95% nonostante la mia situazione da giovane partita IVA non fosse la più ideale. Con il suo aiuto non ho praticamente sentito la pesantezza burocratica.
Why with us
What we actually do
You see two offers side by side, not one
We bring the two or three best offers for your profile into the office, printed side by side: instalment, rate, term, arrangement fee, valuation and compulsory insurance. We tell you the gap between first and second in euros over the whole schedule, not as a percentage.
You prepare the documents once
One file, laid out the way the bank wants it. The same one goes to every lender we approach: you don’t start again at each bank, and you don’t take time off work to hand over the same payslips three times.
When the case stalls, we make the call
The survey that never gets booked, the missing land registry document, the notary asking for a date: these are the points where a case sits still for weeks with nobody telling you. We spot them first, and we call the bank.
How much they will actually lend you
The general rule is 80% of the surveyor’s valuation — not of the price you agreed, and the difference matters: if the surveyor values it below what you are paying, you cover the gap. Above 80% further security is needed, and this is where the First-Home Guarantee Fund run by Consap comes in: the state guarantees part of the capital, and several lenders go up to 95%, in some situations 100%.
The requirements concern a first home that is not a luxury property — cadastral categories A/1, A/8 and A/9 are excluded — and buyers who do not already own another residential property; for the priority categories set out in law the terms are better. The guarantee is not automatic, though: it makes the application stronger, the bank still decides, and not every lender signed up to the Fund actually reaches 100%. Knowing which ones do right now, and on which profiles, is precisely the piece of information our job exists for. We check it on the first call and tell you plainly what percentage you reach in your case.
Request a call backHow we work
From the call to the signature
- 01
A ten-minute call
Income, type of contract, savings available, property found or still to find. By the end you know what you can afford, what instalment works and what your real chances are. No documents, no obligation.
- 02
Choosing the lenders
We identify the banks that rate your profile well and that are currently deciding within the timescale you need. In parallel we check your eligibility for the Guarantee Fund.
- 03
Two or three offers compared
We meet on Via Matilde Serao with the figures side by side. We tell you which we would choose and why, and what really separates the first from the second.
- 04
Through to the signature at the notary
Survey, approval, coordination with the estate agent and the notary, release of funds. If something stalls you hear it from us before it becomes a problem.
Google reviews
Who chose us
★★★★★
Il mio forma mentis mi porta generalmente a dubitare ed evitare di usufruire di questi servizi perché ormai "c'è internet" e per cattive esperienze passate. Questa volta ho deciso di andare un po' contro me stesso e accettare l'aiuto di Marcello, che mi ha fatto cambiare idea sin dal primo incontro. Mi ha trovato il mutuo migliore per me al momento, ha risolto tutti i miei dubbi con parole chiare e comprensibili ai non del mestiere: non ho dovuto fare niente se non inviargli i documenti che servono. Insomma, probabilmente è il primo professionista che pago volentieri.
★★★★★
Ottimo servizio, preciso e veloce. Sono stata seguita con grande tempestività sin dal primo contatto, senza mai ricevere false speranze ma solo soluzioni concrete e trasparenti. Grazie al supporto di Alex, l'iter burocratico è stato molto più semplice e senza intoppi. Persona, oltre che qualificata, di una disponibilità e gentilezza rara. Un servizio efficiente che consiglio vivamente a tutti.
★★★★★
Devo ringraziare enormemente Alex Franzino di Kiron, che mi ha aiutata a ottenere il mio primo mutuo al 95% nonostante la mia situazione da giovane partita IVA non fosse la più ideale. Mi ha supportata moltissimo nei chiarimenti tecnici ed è sempre stato presente durante il percorso, facendo anche da tramite con l'agenzia immobiliare e gli altri attori. Con il suo aiuto non ho praticamente sentito la pesantezza burocratica. Consiglio fortemente per chi, come me, ha bisogno di una guida nei meandri bancari e burocratici.
Start here
Tell us about your situation
Four questions about first-home mortgage. An adviser from the Turin office calls you back having already read your answers: no need to repeat it all on the phone.
- You don’t need to have found a property yet — the earlier you call, the better
- No documents to prepare for the first call
- If the deal does not stand up, we will say so straight away
- You only pay if you sign at the notary
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 its own bank’s products, whereas we compare those of more than thirty partner lenders and know in advance what criteria each applies. In practice you save the time of doing the rounds and reach your decision with offers already selected for your profile, rather than with paperwork to decipher on your own.
What does the advice cost?
The initial 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 us nothing. The amount is confirmed in writing before we start, together with every cost charged by the bank.
Can I borrow 100% of the purchase price?
In a number of cases yes, through the First-Home Guarantee Fund run by Consap. It applies to a first home that is not a luxury property (cadastral categories A/1, A/8 and A/9 are excluded) and to buyers who do not own another residential property; for the priority categories the terms are better. One point to note: the percentage is calculated on the surveyor’s valuation and does not cover the notary and taxes, which remain yours to pay. On the first call we will check what percentage you actually reach.
My bank said no: does that change anything?
Often yes. Every lender assesses by its own parameters — length of service, type of contract, payment-to-income ratio, nature of the property — and a case turned down at one branch is regularly approved elsewhere. We cannot guarantee the outcome, but we know whom to put it to and how. The exception is an active adverse credit record, which no bank accepts.
Which documents are needed?
Identity document, tax code, your last two payslips or last two tax returns, recent bank statements and, if you have already found the property, its paperwork. We collect them once: the same file goes to every lender we approach.
I am a foreign national working in Turin: can I get a mortgage?
Yes, and it is a substantial part of our work. Banks look at how stable your income is and whether your residence is in order, not at your nationality; many ask for long-term residence status or a certain number of years in Italy. We tell you which lenders are more open, which documents to prepare and what to expect at each stage.
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