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One phone call, whenever suits you
You tell us about the property and your situation, at a time you choose. In fifteen minutes you have a realistic first picture — no documents, no obligation.
Credit brokerage in Mantua · 100% mortgages too
The right mortgage to move
into the home you want
We are credit brokers: the bank lends the money, we find you the right loan. We compare offers from more than 30 partner lenders, check whether you meet the requirements for financing of up to 100%, and stay with you all the way to completion.
- ★ 5,0 253 Google reviews
- 100% of the value financeable
- 30+ partner banks
- OAM no. M39
What we do best
100% mortgage: what it actually means
It means the bank finances the entire purchase price, not the usual 80%. This is possible thanks to the First-Home Guarantee Fund managed by Consap, which covers up to 50% of the principal and makes the loan viable for the lender. Not every bank offers it, and not for every profile: our job is to work out quickly whether you qualify and which lender to approach.
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First home, not a luxury property
Cadastral categories A/1, A/8 and A/9 are excluded, as is anyone who already owns another residential property.
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No upper age limit
The standard guarantee does not look at your age. The most favourable terms are reserved for priority categories.
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Priority categories
Under-36s, young couples, single-parent families with minor children, IACP social-housing tenants and large families, within the annual income thresholds.
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The bank always decides
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 put your application in front of the right lenders, in the right way. If 100% is not realistic in your case we tell you on the first call and explain what percentage you can reach. We would rather give you an awkward answer today than a nasty surprise after you have signed the preliminary contract.
Credit broker in Mantua: mortgages, transfers and loans
A credit broker works for you, not for one particular bank. We tell you plainly what is possible, and then we handle it.
branch
We connect people looking for a home in Mantua with more than 30 partner banks. And we take the paperwork off your hands: documents, valuation, notary. You think about the house, we think about the application. The final decision rests with the bank: our job is to get you in front of it well prepared.
How we work
Your mortgage, without banking hours
No queues at the counter. No forms to decipher. Just your home.
Check your mortgage02
More than 30 banks compared, at the office
We meet in Mantua or Cerese, approach our partner banks and present the offers that suit you best on instalment, term and costs. If your bank said no, another one often sees it differently.
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The paperwork is on us
We gather the documents, prepare the Guarantee Fund application and deal with the bank, the surveyor and the notary. You get updates, not forms.
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All the way to completion
Once the bank approves, we go with you to the notary for the signing. Then the keys are yours.
Services
Mortgages and loans in Mantua and province
Seven types of financing, one point of contact. For each one we start from the question we are asked most often.
“Can I buy without a deposit?”
100% mortgage
Consap Guarantee Fund, financing of the full value. This is our bread and butter.
Find out more “My bank said no — what now?”First-home mortgage
Reliefs, requirements, timings. We get you in front of the bank well prepared.
Find out more “I already have a mortgage — can I get another?”Second-home mortgage
A place on Lake Garda, a buy-to-let investment, a home for your children.
Find out more “I’m paying too much — is switching complicated?”Mortgage transfer
Move your mortgage to another bank. Free by law, with a lighter instalment.
Find out more “Can I finance the purchase and the works together?”Renovation mortgage
For the home you own, or the one you buy and renovate straight away.
Find out more “I need money quickly, without collateral?”Personal loans
Car, furniture, unexpected costs. Tailored amount and instalment, quick turnaround.
Find out more “I have an adverse listing — is there still a way?”Salary-backed loan
For employees and pensioners. The instalment is deducted from your salary or pension.
Find out moreWe work in your language
Mantua is a province where people work and buy homes in many languages. This site is available in Italian, English, Arabic, Romanian and Hindi, and at the branch you will find someone who explains requirements, documents and timings without leaving you to translate a mortgage contract on your own.
Start here
Check your mortgage in 2 minutes
Six questions. Then an adviser from the Mantua office calls you back already knowing your situation, so you do not have to repeat everything on the phone.
- The first contact is a phone call, at a time you choose
- Then we meet at the office, in Mantua or Cerese
- We cover the provinces of Mantua, Brescia, Cremona and Parma
- The initial assessment commits you to nothing
What people say
People who bought a home with us
Verified reviews from our Google profile.
★★★★★
Desidero ringraziare Lorenzo Zanella per l'eccellente supporto durante tutta la richiesta del mutuo: grazie alla sua professionalità ho ottenuto l'approvazione in tempi davvero rapidi. È un vero esperto, soprattutto per quanto riguarda i mutui al 100%, e ha reso tutto il processo semplice e senza stress, spiegando ogni dettaglio con la massima trasparenza.
★★★★★
Grazie alla professionalità e alla competenza di Davide Medda sono riuscito a ottenere un mutuo al 100% in tempi davvero record. Mi ha seguito passo dopo passo, spiegandomi tutto in modo chiaro e rendendo un percorso complicato molto più semplice e tranquillo.
★★★★★
Ho acquistato la mia prima casa con Andorin e Federico della Kiron di Mantova. Oltre a essere stati essenziali durante tutto il percorso, ho riscontrato un'umanità fuori dal comune. Specialmente Andorin, che non ha mai mollato e ci ha creduto più di me.
★★★★★
Il mio iter ha presentato diversi nodi tecnici, alcuni poco comprensibili per chi non mastica la materia. Giacomo ha saputo decodificare ogni intoppo burocratico, rendendomi partecipe delle soluzioni più che dei problemi, fino alla firma del rogito. Non si è limitato a trovare un mutuo: ha costruito un vestito su misura per le mie esigenze.
★★★★★
Un ringraziamento a Kiron Mantova, in particolare a Lorenzo Zanella e Davide Medda per la loro disponibilità, competenza e professionalità. Finalmente abbiamo realizzato il sogno di acquistare la nostra prima casa.
★★★★★
Voglio ringraziare di cuore il consulente Andrea per il lavoro straordinario che ha fatto per aiutarmi a comprare casa. Ha fatto l'impossibile per me, sempre disponibile, gentile e professionale, seguendomi in ogni passo con pazienza e grande competenza.
FAQ
Frequently asked questions about the 100% mortgage
Can I get a 100% mortgage with no deposit?
Yes, in many cases. Financing the full value of a property almost always goes through the First-Home Guarantee Fund managed by Consap, which guarantees up to 50% of the principal and makes the loan viable for the bank. 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. Priority access to the enhanced guarantee is reserved for the categories set out in law — under-36s, young couples, single-parent families with minor children, IACP social-housing tenants and large families — within income thresholds updated each year. The final decision always rests with the bank: we verify the requirements and take your application to the lenders that, for your profile, really do reach 100%.
My bank said no. Can I still get a mortgage?
Every bank assesses applications by its own criteria. As credit brokers we approach more than 30 partner lenders: a different bank often reads the same situation differently. We cannot guarantee the outcome, but we can present your case to the lenders best suited to your profile. The exception is an active adverse listing at the central credit register, which no bank will accept.
How much does a consultation with Kìron Mantova cost?
The initial assessment commits you to nothing. Any brokerage fee is set out transparently before the application begins and is stated in the pre-contractual documentation.
I am a foreign national. Can you assist me in my language?
Yes. We regularly work with foreign clients living in the Mantua area, and this site is available in Italian, English, Arabic, Romanian and Hindi. Banks assess the stability of your income and the validity of your residence permit, not your nationality: we explain the requirements and documents in whichever language you are most comfortable with.
Which areas do you cover?
Mantua and the whole province — Borgo Virgilio, Porto Mantovano, Curtatone, Marmirolo, Goito, Castiglione delle Stiviere, Asola, Castel Goffredo, Viadana, Suzzara, Gonzaga, Ostiglia — plus the provinces of Brescia, Cremona and Parma. We have two offices: Via Verona 26/D in Mantua and Via L. Pirandello 9 in Cerese.
What is mortgage transfer (surroga) and what does it cost?
A surroga lets you move your mortgage to another bank on better terms. By law (Decree-Law 7/2007) it is free of charge for the borrower: no early-repayment penalty and no notary fees on your side. We work out together whether it genuinely pays off in your case.
Two offices in the province of Mantua
We see clients by appointment at Via Verona 26/D in Mantua and at Via L. Pirandello 9 in Cerese. We work across the whole province — Borgo Virgilio, Porto Mantovano, Curtatone, Marmirolo, Goito, Castiglione delle Stiviere, Asola, Castel Goffredo, Viadana, Suzzara, Gonzaga, Ostiglia — and in the provinces of Brescia, Cremona and Parma.
- Mantua office Via Verona, 26/D · 46100 Mantova (MN)
- Cerese office Via L. Pirandello, 9 · 46034 Cerese (MN)
Tel. 800 433 253 · Hours Mon–Fri 8:30am–8pm, Saturday 8:30am–6pm