Plan+Mutuo is a two-phase service that takes you from financial reality check to mortgage approval — in your language, step by step, with experts beside you the whole way.
Most mortgage mistakes aren't about money. They're about missing information, language barriers, and no one in your corner.
Many buyers overestimate what they can borrow — or underestimate the true cost of purchase — and commit to a property they can't sustain.
Fixed vs. variable rate. Duration. LTV. The wrong combination can cost tens of thousands over the life of a loan — and banks rarely explain the difference clearly.
Italian mortgage paperwork is complex even for native speakers. For foreign workers and families, a misunderstood clause can have lasting consequences.
Each phase builds on the last. You don't start Phase 2 until Phase 1 gives you a solid, realistic foundation.
Before you look at a single property or speak to a bank, we map your complete financial picture. You leave Phase 1 knowing exactly what you can afford — and why.
We review payslips, tax returns, and contracts to establish real net income — including irregular or self-employed earnings.
Size, location, future plans, school zones — we factor in what your family actually needs, not just what the numbers allow.
You receive a clear purchase ceiling, estimated monthly payment range, and a breakdown of all purchase-related costs — notary, taxes, agency.
We advise on timing, property type, and negotiation approach so your offer aligns with your financial position from the start.
You've found the property. Now we make sure the bank says yes. We organise your documents, calculate exact affordability, and match your profile to the right lender.
We compile and verify every document the bank needs — translated, certified, and presented in the format each lender expects.
We calculate your debt-to-income ratio, LTV eligibility, and optimal loan duration before the bank does — eliminating surprises.
We identify which banks and brokers in Italy have the best rates and approval history for your specific profile — foreign income, self-employed, or family buyer.
We stay with you — answering bank queries, chasing decisions, and intervening when applications stall — until you have a formal offer in hand.
Banks won't tell you if you're borrowing too much. Brokers earn commission. We work for you.
We have no commission arrangement with any lender. Our recommendation is based purely on what fits your profile — not what earns us a fee.
We understand the specific challenges of foreign income, residence permits, and international document formats — and we know which banks are receptive to them.
Italian, English, Urdu, Hindi, Punjabi — every consultation, every document review, every bank call is handled in the language you're most comfortable in.
Irregular income, multiple income streams, freelance or partita IVA — we know how to present your financial profile in the most favourable, honest way.
Book a free initial call. We'll assess your situation, explain both phases, and tell you exactly what your next step is — with no commitment required.