First-home mortgage · Cremona and province
First-home mortgages in Cremona: first the figure, then the offer
It is the application we open most often, in the city as well as in the Cremasco and the Casalasco. Our order of work is the reverse of the one you are used to: first we tell you how much you can spend, then you go and negotiate. With a figure in hand you buy better.
- ★ 5,0 159 Google reviews
- Free the pre-approval
- 35 average days to approval
- 30+ partner banks
Sound familiar?
- The bank where I have had my account for twenty years said no
- I do not really know what instalment I can afford
- The estate agent asks whether I already have a mortgage and I do not know what to say
- I have made an offer and now I am chasing deadlines
With Kìron
- A free pre-approval and mortgage voucher, before you make the offer
- Not one bank: more than thirty, compared and negotiated
- One single list of documents, prepared the way the bank wants it
- We handle the timings and the chasing with the bank, the surveyor and the notary
Why us
What really changes
Go and negotiate with a figure in hand
The mortgage voucher tells the seller your offer is sustainable. It is often what makes them prefer it.
Different criteria, different answers
The same profile is read differently by different lenders: that is where the game is won.
The forms stay with us
Documents, valuation, approval, notary. You get updates, not paperwork.
Who it is for
This page is for you if…
- Anyone buying their main home, at any age
- Couples and single buyers on their first purchase, in Cremona and in the villages of the province
- People who want to check the First-Home Guarantee Fund (Consap)
- People with a limited deposit who want to know how far they can go
- People who have already been turned down by their own bank
How we work
From the first call to disbursement
- 01
The first call
You tell us about the property you have found or are looking for, your income and what you have saved. We give you an unvarnished picture straight away.
- 02
Pre-approval and voucher
We take your position to the bank and give you in writing the figure you can count on. Free of charge, and before you sign anything.
- 03
We negotiate the terms
We meet in Via Trento e Trieste and compare the best offers on instalment, term and costs, explained in plain language.
- 04
Application and deed
We gather the documents, follow the valuation and the approval, and go 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 first-home 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
Can I ask for a pre-approval before I have found a house?
Yes, and it is the best moment to do it. Without a property in view we work on your profile alone: income, contract, existing commitments, available cash. Out of it comes the maximum sustainable figure and the corresponding instalment. From there you look for homes inside that perimeter instead of falling for something out of reach.
Is the first-home mortgage only for young people?
No. The first-home tax reliefs and the Guarantee Fund apply to anyone buying their main home who does not own another residential property. Some more favourable terms on the Fund are reserved for specific categories, but the first-home mortgage itself has no age limit.
Which documents do I need to prepare?
Identity document, tax code, recent payslips or tax returns, bank statements and, if you have already found the property, its paperwork. After the first call we send you the exact list for your case: one list, not three different ones.
I am a foreign national working in the province of Cremona: can I get a mortgage?
Yes. Banks look at the stability of your income and the validity of your residence status, not at your nationality. Many ask for a minimum period of registered residence or a long-term permit. It is an important part of our daily work: we tell you which documents are needed and what to expect at every step.
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