Second-home mortgage · Cremona and province
Second-home mortgages in Cremona: the second property has to add up
A two-room flat to let to students of the Politecnico or of the violin-making school, a home for your children, a property to put to income, a holiday home elsewhere. We assess together whether and how a second exposure holds up — and if it does not, we say so.
- ★ 5,0 159 Google reviews
- Free the pre-approval
- 35 average days to approval
- 30+ partner banks
Sound familiar?
- I already have a mortgage: will they grant me a second one?
- I want to invest but I do not know the financing limits
- Every bank gives me a different answer
With Kìron
- We work out whether both instalments hold together, not separately
- We find the banks most open to a double exposure
- We tell you straight away what percentage is realistic to ask for
Why us
What really changes
Clear figures before you sign
Instalment, taxes and running costs on the table before the offer.
Selected lenders
Not everyone assesses a second home the same way: we start with those who finance it.
An application that is followed
From the request to the deed, with a single contact at the office.
Who it is for
This page is for you if…
- People who already have a mortgage and want to buy a second property
- People buying in Cremona or Crema to rent out
- People buying a home for a child studying away
- People who want to know in advance which instalment fits their income
How we work
From the first call to disbursement
- 01
The first call
Together we look at your income, your current mortgage and the purpose of the purchase.
- 02
Affordability check
We work out your overall instalment-to-income ratio and identify the banks most open to a second loan.
- 03
Negotiated offers
We present the best terms for your case, with the additional costs already clear.
- 04
Application and deed
We handle documents, valuation and 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 second-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
I already have a mortgage: can I get a second one?
It is possible if your income supports both instalments by the bank's criteria. Every lender weighs a double exposure differently: that is why we compare several banks instead of stopping at the first. Rental income already being received can be taken into account, but not every bank weighs it the same way.
How much can I borrow on a second home?
Banks generally finance a lower percentage than on a first home, often up to 70-80% of the value. It depends on the profile, on the property and on the bank.
Do the first-home tax reliefs apply?
No: the first-home tax reliefs do not apply to a second home, and the treatment of taxes changes too. We go through this in detail during the consultation, before you make an offer.
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