100% mortgage · Cremona and province
100% mortgages in Cremona: when your savings are in the house, not in the bank
In Cremona the price per square metre is among the most affordable in Lombardy, and yet the deposit remains the obstacle: you do not put forty thousand euros aside while paying rent. A mortgage covering the whole price does exist, but only a small number of banks approve one, and not for every profile. With a free pre-approval you know before you make the offer, not after.
- ★ 5,0 159 Google reviews
- Free the pre-approval
- 35 average days to approval
- 30+ partner banks
Sound familiar?
- I can manage the instalment, not the deposit: that is the whole problem
- At the counter they told me you cannot go above 80%
- I have heard about the Guarantee Fund, but I do not know if it applies to me
- I have found the house and I am afraid of losing it while I look for the money
With Kìron
- Free pre-approval: you know your figure before signing the preliminary contract
- We only knock on the doors of banks that really approve 100%
- We check the Consap requirements ourselves, before you commit
- If 100% is out of reach we tell you straight away what percentage is not
What we do best
One hundred per cent: what it means in practice
It means the bank finances the whole purchase price, not the usual 80%. It is possible thanks to the First-Home Guarantee Fund managed by Consap, which covers up to 50% of the principal and makes the deal viable for the lender. Not every bank does it, and not for every profile: with a pre-approval you find out in a few days and at no cost, instead of finding out after you have signed the preliminary contract.
- 01
First home, not a luxury property
Cadastral categories A/1, A/8 and A/9 are out, as is anyone who already owns another residential property.
- 02
Age is not a requirement
The standard guarantee does not look at your date of birth. It is the more favourable terms that are reserved for priority categories.
- 03
Who gets priority
Under-36s, young couples, single-parent families with minor children, social-housing tenants and large families, within the annual income thresholds.
- 04
The bank has the last word
The guarantee makes the application stronger, not automatic: income and job stability remain the first criteria.
We are not a bank and we do not grant loans: we take your application to the right lenders, in the right way, and we negotiate the terms before you sign anything. If 100% is not realistic in your case we say so on the first call and tell you what percentage you can reach. Better an awkward answer now than a nasty surprise after the preliminary contract.
Why us
What really changes
The full price, not 80%
With the public guarantee the bank can finance the entire purchase value.
The voucher that carries weight in a negotiation
At the end of the pre-approval you hold a document with the figure on it: it tells the seller you mean business.
We write the Consap application
Forms, requirements and Guarantee Fund timings are on us.
Who it is for
This page is for you if…
- People buying a house that needs work, in town or in the province
- Under-36s, young couples and single-parent families with minor children
- Large families and tenants of public housing
- People with a solid payslip who spent their savings on the move, the car, the children
- People who have already been told no on full financing
How we work
From the first call to disbursement
- 01
The pre-approval, free of charge
Income, contract, existing commitments, price of the house. We take your position to the bank and tell you how much you can borrow: at no cost and with no obligation.
- 02
Checking the Consap requirements
Cadastral category, no other residential property, and — for priority categories — this year’s income thresholds.
- 03
Negotiation, not just forwarding
We put the application to the lenders that, for your profile, really do reach 100%, and we negotiate the rate, the costs and the term before you put your signature on anything.
- 04
Approval, valuation, deed
We prepare the Fund application, follow the valuation and the approval, and come with you to the notary.
Google reviews
People who chose us
★★★★★
Ci siamo affidati al dott. Amedeo Franco per l'acquisto della nostra prima casa e non avremmo potuto fare scelta migliore. Fin dal primo incontro si è dimostrato professionale, competente e disponibile, accompagnandoci passo dopo passo. Ha gestito con grande attenzione ogni aspetto burocratico e amministrativo, alleggerendoci da incombenze complesse e permettendoci di vivere questa esperienza con più serenità. Grazie al suo lavoro impeccabile siamo riusciti a realizzare il sogno di acquistare la nostra casa.
★★★★★
Agenzia super efficiente e affidabile: ho aperto con loro una pratica di acquisto e, oltre ad avermi trovato la soluzione migliore come mutuo, hanno svolto tutto in tempi brevissimi. Un ringraziamento particolare alla broker Valentina, che ha lavorato in maniera impeccabile e super professionale fin dal principio, per non parlare della sua disponibilità e gentilezza.
★★★★★
Kiron top a Cremona e secondo me in Italia. Ci siamo rivolti a loro per il mutuo acquisto prima casa Consap 100%: mi ha seguito Daniel, persona di grande umanità ed empatia e molto preparato. Ha trovato il prodotto più adatto alle esigenze della mia famiglia e ci ha seguito passo per passo dal primo giorno al giorno del rogito.
Start here
Tell us about your situation
Six questions designed for 100% mortgage. Then an adviser from the Cremona office calls you back already holding the picture, so you do not have to repeat everything on the phone.
- The first contact is a phone call, in the time slot you choose
- The pre-approval and the mortgage voucher are free and commit you to nothing
- Then we meet at the office, at Via Trento e Trieste 71 in Cremona
- We cover Cremona, Brescia, Mantua, Castiglione delle Stiviere and Parma
FAQ
Frequently asked questions
Who can really get a 100% mortgage?
Financing the full value almost always goes through the First-Home Guarantee Fund managed by Consap, which guarantees up to 50% of the principal. 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; there is no upper age limit. The enhanced guarantee is reserved as a priority for the categories set out in law — under-36s, young couples, single-parent families with minor children, social-housing tenants and large families — within the income thresholds updated each year. The decision remains the bank's: the guarantee makes the application stronger, not automatic.
Does the 100% cover the notary and taxes too?
No, save in particular cases. The percentage is calculated on the property value or on the purchase price, not on the ancillary costs: notary, taxes, valuation and arrangement fees remain the buyer's. At the pre-approval stage we put these figures on the table before you make an offer, so you really know how much you need in hand on the day of the deed.
Do I need a low income assessment to qualify?
No, not for the 100% mortgage itself. The income threshold concerns access to the enhanced guarantee reserved for priority categories. Anyone outside those categories can still access the Fund with the standard guarantee percentage.
How long does it take to get to approval?
In 2025 our applications averaged 35 days from submission to approval, with complete documents. The Guarantee Fund application is processed in parallel and does not add to the timeline. If your case will need longer, you know it from the pre-approval.
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