Your mortgage in Aosta, compared
even with the banks that aren’t here

It puts people looking for finance in touch with the lenders able to provide it. In practice: we collect your documents once, present your position to the partner banks that make sense for your profile — including those with no branch in Aosta Valley — compare the offers that come back and explain where the real differences lie. Then we follow the application through to completion, dealing with bank, surveyor, estate agent and notary. We do not grant the mortgage ourselves — that remains the bank’s decision — but we decide together who to ask and how to present it.

The round takes an afternoon, and that is exactly the limit. About ten lenders have a branch in town, and each can only offer its own products. Most of the banks writing mortgages in Italy today — including several of the most competitive on first homes, the state guarantee fund and remortgages — have no branch in the Valley, and on your own you cannot reach them. We approach all of them from the same office, with the same file: the comparison we bring you includes the banks you have never seen on Via de Tillier.

The initial assessment is free and commits you to nothing. If we decide to go ahead, the broker fee is confirmed in writing before we start and appears in the pre-contractual documents together with all the bank’s charges. For mortgages it is due only if you reach completion. It is a rule of ours that no charges appear afterwards.

Yes, for the better. A permanent public-sector contract is the profile banks assess most calmly, and in Aosta it is very common. The practical consequence is that you have more room to negotiate than you think: on the same salary two lenders can be forty or fifty basis points apart, and whoever accepts their own bank’s first offer usually never finds out. For salary-backed loans, public employees also have dedicated agreements.

Often yes, but not with every bank. Seasonal income — winter and summer, with unemployment benefit in between — and cross-border income in Swiss francs are common in the Valley and rare elsewhere: many lenders have no procedure to assess them and say no out of caution. Some treat them routinely and read them over several years. Knowing which ones, and how to present the paperwork, is precisely the part of the job we do.

Yes, in several cases. The First-Home Guarantee Fund run by Consap covers part of the capital and allows a number of lenders to go to 95%, in some situations to 100%. It applies to a non-luxury main residence (cadastral categories A/1, A/8 and A/9 are excluded) for buyers who do not own another home; for under-36s, young couples and single-parent families within the ISEE income limits the terms are better. The final decision stays with the bank: we check the requirements and submit the application to whoever is actually lending at that moment.

Aosta Valley has long had subsidised finance for buying, building or renovating a main residence, with residence and income requirements and maximum amounts set by each call. When the house costs more than the subsidy covers, the difference is financed by a bank, and both take security on the same property: not every lender accepts a second charge, and the application has to be built knowing that from the start. On the first call we tell you whether it is worth checking the regional requirements and how to fit the two parts together.

Roughly four to eight weeks from submission, depending on the lender and on how complete your documents are. In the Valley the valuation also weighs: on a house in a hamlet, a rustic building or a property in a resort the surveyor has fewer comparable sales to rely on, and it pays to prepare it well. When the completion date is tight we tell the bank at the outset and choose the structurally faster lenders accordingly.

Aosta and its plain — Saint-Christophe, Quart, Gressan, Charvensod, Pollein, Sarre, Brissogne, Nus — the upper valley from Saint-Pierre to Courmayeur and La Thuile, with Cogne, Valgrisenche and Valsavarenche, and the middle and lower valley: Châtillon, Saint-Vincent, Verrès, Pont-Saint-Martin and the side valleys, from the Matterhorn to Monte Rosa. We receive by appointment at Via Chambéry 45, Aosta.