Kìron Cremona — Mediazione Creditizia

Mortgage transfer · Cremona and province

Mortgage transfers in Cremona: three numbers and we tell you if it is worth it

Outstanding balance, current rate, years remaining. With those three numbers we tell you how much you would save by moving your mortgage to another bank — and if the saving is not worth the paperwork, we say that too. By law a transfer costs you nothing.

Check your situation or call 800 001 282
  • ★ 5,0 159 Google reviews
  • Free the pre-approval
  • 35 average days to approval
  • 30+ partner banks
0 €in costs, by law
30+partner banks
3numbers to see if it is worth it

Sound familiar?

  • I am paying more than what I see advertised today
  • My bank will not hear of renegotiating
  • I am afraid switching lender is long and expensive

With Kìron

  • We put the saving on your outstanding balance into numbers
  • No penalties and no notary fees on your side: that is the law
  • If it is not worth it we tell you on the first call

Why us

What really changes

Free of charge by law

Decree-Law 7/2007: your old bank cannot object or charge penalties.

The saving, in numbers

A numerical comparison of your current instalment and the new offer, term included.

We handle the switch

The new bank talks to the old one; we keep track until the deed.

Mortgage transfer

Who it is for

This page is for you if…

  • People who took out their mortgage when rates were higher
  • People who want to switch from variable to fixed, or the other way round
  • People who want to extend the term to lighten the instalment, or shorten it to finish sooner

How we work

From the first call to disbursement

  1. 01

    The first call

    We need three numbers: outstanding balance, current rate, remaining term.

  2. 02

    Comparison

    Among our partner banks we check who offers better terms on your outstanding balance.

  3. 03

    An honest answer

    If the transfer is not worth it, we say so. If it is, we show you by how much, in euros per month and over the whole term.

  4. 04

    Application

    The new bank handles the switch; we follow the case through to the deed.

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 mortgage transfer. 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

Two minutes now, your figure in a few days

A few questions, then an adviser calls you already holding the picture of your situation and ready to start the pre-approval.

Step 1 of 7

Where is the property (or where are you)?

We look after clients in person in Cremona and its province, Brescia, Mantua, Castiglione delle Stiviere and Parma.

What do you need?
How far along are you?
How much cash do you have available?
What is your employment contract?
How far along are you?
What is your employment contract?
Have you already compared other offers?
Main reason?
How long have you had the mortgage?
Have you always paid on time?
Type of work?
Do you already have a quote for the works?
Do you own the property?
What is the loan for?
Employment status?
Do you have other loans outstanding?
Do you have an adverse credit listing (CRIF / protests)?

We ask up front so as not to waste your time: with an active listing, banks will not consider the application.

How should we contact you?

FAQ

Frequently asked questions

Does a mortgage transfer cost anything?

No. By law (Decree-Law 7/2007, the so-called Bersani decree) a transfer is free of charge for the client: no early-repayment penalty, no notary fees on your side, no arrangement costs.

Can my bank refuse?

No, it can neither refuse the transfer nor charge penalties. It can, however, offer you a renegotiation to keep you: we assess together, numbers in hand, which of the two routes is better.

How many times can you transfer a mortgage?

There is no legal limit. Every bank, however, assesses the application by its own criteria, and a very recent transfer can weigh on the underwriting.

Other services: 100% mortgageFirst-home mortgageSecond-home mortgageRenovation mortgagePersonal loansSalary-backed loan

One call to understand.
One meeting in Via Trento e Trieste to get started.

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