The domestic Italian mortgage market has a much wider choice of Italian mortgage products than are available to applicants that limit their search to Italian banks with an international client desk. We offer an Italian mortgage research service to help you discover the best of the Italian mortgage products that are only available via bank branches in Italy.
Why We Offer Italian Mortgage Research
We offer Italian mortgage research because the branch networks of Italian banks offer more varied and better value Italian mortgage products.
In general, the domestic market Italian mortgage products have:
- Higher LTVs (Loan to Value) – up to 80%
- Longer Repayment Terms – up to 30 years
- Better Mortgage Rates – lower spreads over EURIBOR
- Fewer Age Restrictions – can be arranged using the age of the youngest borrower
- Fewer Property Profile Restrictions – can be arranged for lower priced properties
- Fewer Property Condition Restrictions – can be arranged for renovation projects
The problem for most people is how to find them.
Our Italian Mortgage Research Service
As the leading Internet Italian mortgage broker, part of Best French Mortgage, we continually undertake our own Italian mortgage research to ensure we are always up-to-date on the latest Italian mortgage products.
Because we are always up-to-date, we can select the best Italian mortgage offer currently available that fits your mortgage needs in terms of mortgage amount and mortgage term.
We can even submit an Italian mortgage application direct to the Italian bank of your choice via its branch nearest to the location of the property you wish to finance.
Our Italian Mortgage Research Report
Our analysis is based on a whole market Italian mortgage research report covering the complete range of Italian mortgage products available internationally and via the Italian banks branch networks.
For each product we compare your individual Italian mortgage needs with the complete list of mortgage product features:
- Rate of Interest (Tasso)
- Annual Effective Rate (TAEG)
- Bank Set-Up Fees
- Recurring Bank Charges
- Mortgage Taxes – Imposta Sostitutiva
- Minimum Mortgage Amount
- Maximum Loan to Value (LTV)
- Monthly Repayment for the amount you wish to borrow over the term you specify
Our Italian Mortgage Research Report
We can’t guarantee that any Italian bank will accept your Italian mortgage application.
However, for each of the Italian mortgage products that match your needs we review full regulatory product details to enable us to decide if you will meet the bank’s acceptance criteria for the product:
- Bank Statutory Rights Statement – Principali dirtti del cliente – offerta fuori sede
- Bank Statutory Information Declaration – Foglio comparativo dei mutui garantiti da ipoteca per l’acquisto dell’abitazione principale offerti ai consumatori
Once we have chosen the right Italian mortgage product for your needs, we use our Italian mortgage submission service to lodge your Italian mortgage application with your chosen Italian bank.
The Advantage Our Italian Mortgage Research Report* Gives You
Our Italian mortgage research report is intended to identify the best Italian mortgage products currently on offer to resident and non-resident borrowers.
Though we can’t guarantee that we have reviewed every Italian mortgage product available, we will use our best endeavors to identify the most competitive Italian mortgage products currently being promoted by Italian banks through their branch networks.
Our Italian Mortgage Research Report will give you comprehensive information on the best Italian mortgage products for you showing:
- Rate of Interest (Tasso)
- Annual Effective Rate (TAEG)
- Bank Set-Up Fees
- Recurring Bank Charges
- Mortgage Taxes – Imposta Sostitutiva
- Minimum Mortgage Amount
- Maximum Loan to Value (LTV)
- Monthly Repayment for the amount you wish to borrow over the term you specify
- Bank Statutory Rights Statement – Principali dirtti del cliente – offerta fuori sede
- Bank Statutory Information Declaration – Foglio comparativo dei mutui garantiti da ipoteca per l’acquisto dell’abitazione principale offerti ai consumatori
* Our Italian mortgage report is for information only and, because Italian mortgages are always “subject to status”, we cannot guarantee that any of the banks on the list would accept your Italian mortgage application.