Mortgage Rome: free advice on home loans in Rome

We are here to help you!

Ready to take the first step? If your goal is to obtain a mortgage in Rome, you won't have to go through the steps with the banking institutions yourself, we are here to help you find the best mortgage for you, perfectly suited to your needs.

Mutuo Roma offers customers a free independent consultancy service through innovative systems on mortgages for first home purchase, second home purchase, purchase renovation, subrogation, subrogation plus liquidity, debt consolidation and liquidity.

BOOK A FREE MORTGAGE ADVICE NOW

Who we are - Mortgage Rome

Mortgage consultancy Rome

The Mutuo Roma team is made up of credit consultants - mortgage brokers who, after many years of experience with various credit institutions, have decided to become independent credit consultants in Rome and the Province in such a way as to be able to offer all loan solutions to its customers, without any conflict of interest with the various lenders...read more

Our mission

Mutuo Roma offers an impartial approach to help you find the perfect mortgage for you. In an industry dominated by big banks, we strongly believe in our financial advisory model. Our fees do not vary from borrower to borrower…read more

What do we do?

Consulenza Gratuita

Credit counseling

If you need help in the financial sphere, Mutuo Roma can offer you theoretical credit advice and practical support: we provide you with support in making all your dreams come true: for the purchase of your house, apartment in Rome or any other need.

Mutui Casa Roma

Customized solutions and assistance

Thanks to our independence from a single bank, we can offer you different mortgage, loan, financing or salary-backed loan solutions. The Mutuo Roma team will assist you in all phases of the process, from analyzing the client's income to identifying their debt capacity and the most suitable product to meet their needs.

Consulenza Mutuo Casa a Roma

Banking consultancy

Our highly skilled team who have been in business for over a decade are happy to support your interests. We will help you choose among the loan proposals of over 30 affiliated banks.

It is of fundamental importance to underline that credit consultancy for obtaining a mortgage, loan or salary assignment is absolutely free. Only at the end of the desired transaction will any remuneration agreed for the mediation accrue.



What types of mortgages exist?

Mutui Roma

100 percent mortgage

Getting a 100 percent mortgage in Rome is difficult. Find out on the page what requirements you need and how to get your dream home even without savings on the side... read more

First home loans

Getting the first home loan is a very important goal and there are several factors to choose the most appropriate one. While the myriad of financing options available in Rome for first-time home buyers can seem overwhelming…read more

Home renovation loans

Increase the value of your home in Rome with a renovation loan! Tackle the entire home improvement wish list in one go!

Home Renovation Loans Are The Smarter Way…read more


Mortgages at 80 percent

An 80 percent mortgage is one that requires you to put down 20% of the price of the house, apartment as a deposit, and borrow the remaining 80% of the property value from a mortgage lender…read more

Second home loans

Find out how the advice of a credit broker - real estate broker in Rome can help you find your best mortgage for your second home... read more

Subrogation mortgages

Subrogation loan in Rome? - It's not difficult!

Transferring the loan to another bank in Rome brings many advantages and is less difficult than one might think. What do we need to know to subrogate the loan?...read more


What type of interest rate to choose for the mortgage?

Mortgage rate

Many important decisions have to be made when buying a home, from choosing a real estate agent to choosing the right neighborhood to determining which home is right for you. Another big decision, and one of the most important financial choices you'll make, is choosing the right mortgage.
BOOK A FREE MORTGAGE ADVICE NOW

Fixed rate mortgage

Fixed rate mortgage

Not all mortgages are the same. While some choose adjustable rate mortgages, the most popular type of loan by far is the fixed rate mortgage. This type of mortgage gives you peace of mind knowing that you will pay the same amount every month. It's a very simple mortgage because you know how much it will cost in the end. Yet even with fixed rate mortgages, there are a number of options…read more

Adjustable rate mortgage

Variable Rate Mortgage

An adjustable rate mortgage differs from a fixed rate mortgage in that rates during a portion of the loan term are structured as variable and not fixed…read more

Mixed rate mortgage

Mixed Rate Mortgage

For example, a mixed-rate mortgage provides for a fixed-rate monthly installment during the first few years and for the rest of the life of the loan it will be determined by a variable interest rate or the interest rate can switch from fixed to variable (or vice versa) at fixed deadlines and/or under certain conditions indicated in the contract... read more

What advantages does Mutuo Roma offer?

First level service

For over 10 years, Mutuo Roma has been consistently rated by our clients as top tier credit advisors in Rome.

 

Fast delivery times

We've developed technology that helps speed up your mortgage paperwork review. This leads to faster case closures and a better overall experience for our customers.

 

Convenience

The whole process can be done through our secure website. You can also call us on 0694802955, send us an email at info@mutuo-roma.it or don't hesitate to book an appointment in one of our offices in Rome.

 

Low interest rates

Mutuo Roma works with over 30 credit institutions and we select the best conditions for your loan. Our long-standing relationships with banks and financial companies translate into a better experience throughout the mortgage process, guaranteeing satisfaction, peace of mind and the best conditions for our customers.

Transparency

Our technology ensures that you are always up to date on the status of your mortgage application. You will have secure access to your loan documentation throughout the process.

A digital process

Through our website, you can schedule a meeting with one of our credit counselors, apply online and upload the required documents and progress through the process at full speed.

Credit consultant - Credit broker - Mortgage broker Rome

Mortgage Broker

Have you found your dream home in Rome and need help buying it? Are you looking for a credit consultant - credit broker - broker for your mortgage? We will find the best mortgage for you. Rome is a city experiencing good real estate dynamism. Whether it's buying an apartment (or a detached house) you're going to live in, or a second home, or even making a real estate investment, Mutuo Roma will find the best possible solution to meet your needs ...read more

BOOK A FREE MORTGAGE ADVICE NOW

Mortgages FAQ: some frequently asked questions about mortgages in Rome

If you are thinking of buying a house in Rome, find out in the FAQ below what types of mortgages there are and everything you will need to get one. There aren't many mortgage restrictions to buying a property, but the process of applying for and obtaining a home or apartment loan can be complicated, we're here to help. Below is a list of some of the frequently asked questions we've answered:

  • When is the best time to buy a house?

    We live in uncertain times, but life goes on and now could be a good time to buy a house at a good price.

  • How do I know if the apartment or house I want to buy is worth the asking price?

    Property price and price per square meter when buying a house

  • What is the maximum loan I can get?

    If we are looking to buy a house in Rome but need to apply for a mortgage, one of the first questions we must ask ourselves is how much we can borrow from the bank.

  • What is the difference between a personal loan and a mortgage?

    Differences between mortgage and personal loan

  • In how many years must the mortgage be repaid: 15, 20 or 30?

    Home loan and repayment

  • What types of mortgages are there in Rome?

    The variety of mortgage products available in Rome could be overwhelming to those unfamiliar with mortgages. The two main types of mortgages in Italy are fixed and variable rate mortgages. There are also a few types of mortgages for different circumstances. Here is a brief overview of the two main types of mortgages in Italy:

  • How is the real estate market in Rome?

    Rome and its province has one of the largest mortgage markets in Italy, with a current value of around 2 billion euros, Rome ranks fourth among the most attractive. Home ownership is more popular in Rome than in many countries across Europe. While it has declined among younger age groups in recent years, buying a home in Rome and getting a mortgage remains something many young families plan. There are different types of mortgages in Rome available through banks and building societies. Most last around 25 years, although they can be even longer.

  • Who can get a mortgage in Rome and its province?

    There are no legal restrictions for adults getting a mortgage in Rome. Even foreigners can take out mortgages in Rome, residents or non-residents, although the exact terms vary according to the individual lenders. Each bank or financial company will have its own requirements, but in general the main factors that are taken into consideration are:

  • Should I buy or rent a house or apartment in Rome and its province?

    The average price of a house in Rome has remained quite high and is currently around 3,064 euros per sq m.

  • How do I apply for a mortgage in Rome?

    You can apply for a loan directly from a bank. Alternatively, you can use a credit broker who can compare different mortgages in Rome. Before applying for a mortgage, check with credit reporting bureaus and ask for a free credit report to make sure there are no reporting errors. It is therefore a good idea to talk to a few financial advisors to help you choose the right mortgage option. These can include advisers within banks, or you can speak to an independent financial adviser or mortgage broker.

  • How to get a mortgage as a foreigner in Rome and its province

    Foreigners, both resident and non-resident, can legally buy a house, an apartment and obtain a mortgage in Rome and its province. However, for non-residents and non-EU citizens, the mortgage procedure can be a little more complicated. It is much easier to get a mortgage in Rome as a foreigner if:

There are many questions concerning mortgages, the others are listed below, for the answer just go to the FAQ page


    What are 100% home loans? How do 100% mortgages work? What are the requirements to apply for a 100% mortgage in Rome What is a guarantor? What are the advantages and disadvantages of a 100% mortgage? How to get a 100% mortgage in Rome? What are the alternatives to a 100% mortgage? What to do if I can't get a 100% mortgage? How is the loan calculated for an 80% mortgage? Can I get help for find the best 80% mortgageDo I need a good credit score to apply?What are the benefits of 80% mortgages? What are the disadvantages of an 80% mortgage?What are the criteria for an 80% mortgage in Rome?How can I find the right 80% mortgage for me?How much does a first home loan cost in Rome?What are tax breaks and deductions for a first home loan? Is the fixed rate or the variable rate better? Which one do I choose for my first home loan?What is a second home loan?Can I get a second home loan in Rome?What is the tax on a second home loan?What factors influence the eligibility of the loan for second home?How to get the best rates for a second mortgage?Can I speak to a second home mortgage expert?What is a second mortgage on your existing home?How difficult is it to get a second home loan in Rome ?What credit score do I need for a second home loan in Rome?Can I get a second mortgage for a vacation home in Rome?How long do second home loans last?What is a home renovation loan ?Why do I need a home improvement loan?How do home improvement loans work?Who should consider a home improvement loan?How does the lender find "value after renovation"?How much can you borrow with a loan renovation?How can you help me get a home renovation loan in Rome?Up to what age can I apply for a mortgage?What criteria does the bank rely on to decide whether to approve a mortgage?What are the differences between fixed-rate and variable and mixed? What is mortgage subrogation? How can I sell my house with a mortgage? What is Euribor and how does it affect me?


We have given the answers to all the questions listed above on a dedicated page, click here: FAQ - Mortgage Frequently Asked Questions

What are the main partners - banking institutions with which we work?

The main banks/financial companies with which we collaborate in Rome and the Province are:


    BNLBPMChe Banca!Credit AgricoleINGBPERBCC of RomeMonte dei Paschi di SienaBanco di SardegnaBanca Popolare di BariCassa di Risparmio di Orvieto




    CarifermoExtrabancaCivibankIBL-Banca di scontoSella Personal creditFincontinuoTrasparenzaCompassYounited creditPrestiamociPermicro



Mutuo Roma operates in all areas of Rome:


Rome Historic Center:

Historical centre, Vatican, Prati, Parioli, Flaminio, Salario, San Lorenzo, Monti, Esquilino, San Giovanni, Trastevere, Testaccio


North Rome:

Ottavia, Torrevecchia, Monte Mario, Balduina, Cassia, Giustiniana, Olgiata, La Storta, Flaminia, Salaria, Bufalotta, Fidene, Talenti, Montesacro


South Rome:

Eur, Torrino, Marconi, Acilia, Morena, Laurentina, Garbatella, Ostiense, San Paolo, Ardeatina, Appia, Anagnina, Cecchignola, Infernetto, Mezzocammino


Roma East:

Nomentana, Tiburtina, Prenestina, Casilina, Borghesiana, Tuscolana, Cinecittà, Romanina, Centocelle, Giardinetti, Monti Tiburtini, Rebibbia, Pietralata, Pigneto


West Rome:

Magliana, Portuense, Piramide, Monteverde, La Pisana, Aurelia, Boccea, Casalotti, Bravetta, Maglianella, Casetta Mattei, Casal Lumbroso, Corviale, Cornelia


Mutuo Roma operates in all locations in the Province of Rome:


Roman Castles:

Ciampino, Albano, Marino, Ariccia, Castel Gandolfo, Frascati, Genzano, Velletri, Grottaferrata, Rocca di Papa, Monteporzio Catone, Monte Compatri


Tivoli and Surroundings:

Tivoli, Guidonia, Villanova, Villalba, Bagni di Tivoli, Palombara, Mentana, Colleverde, Monterotondo, Fiano Romano, Colle Fiorito, Villa Adriana, Setteville


Bracciano and Surroundings:

Bracciano, Anguillara, Campagnano, Cesano, Formello


Civitavecchia and Surroundings:

Civitavecchia, Tolfa, Cerveteri, Ladispoli


Fiumicino and Surroundings:

Fiumicino, Fregene, Leonardo Park, Ponte Galeria


Pomezia and Surroundings:

Pomezia, Ardea, Aprilia, Castel Romano, Anzio, Nettuno


Ostia and Surroundings:

Ostia, Ostia Lido, Ostia Antica, Vitinia, Acilia, Trigoria, Castel Porziano, Castel di Leva