Personalised advice, no commitment

MORTGAGE, LOAN OR INSURANCE?
LEAVE IT TO ME.

I listen to you, study your situation and guide you step by step to the right solution for you.

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OAM Reg. M325
IVASS Reg. E000696862
8 years experience
How it works

3 steps. Zero stress.

No endless paperwork, no queuing at the bank. Just a WhatsApp chat.

1

Message me on WhatsApp

One message and we get acquainted. Tell me about your situation and what you need.

2

I analyse your situation

I study your case, evaluate the options and prepare a tailored solution for you.

3

I present the solution

I show you the best proposals and guide you all the way to signing. No surprises.

All of this for free and with no commitment on your part.

Let's get started!
Do any of these situations sound familiar?

Common problems, concrete solutions.

Every day I help people like you get what banks make complicated.

HAS THE BANK REFUSED YOUR MORTGAGE?

It's not necessarily a final no. I analyse your situation and find the right path to get you the financing you need.

ARE YOU PAYING TOO MUCH FOR YOUR MORTGAGE?

A refinancing can lower your monthly payment at no cost. I analyse your contract and tell you if it's worth it in 5 minutes.

SELF-EMPLOYED AND STRUGGLING TO GET CREDIT?

I know the institutions that work well with freelancers. Even without a payslip, there are solutions.

INTERESTED IN A SALARY-BACKED LOAN BUT DON'T KNOW HOW?

If you're a public or government employee, a salary-backed loan is often the simplest and fastest solution. I'll guide you.

FOREIGN NATIONAL AND THINK YOU CAN'T GET A MORTGAGE?

With a residence permit and stable employment, solutions exist. I know the institutions that genuinely evaluate your situation.

RECENTLY CHANGED JOBS BUT ON A PERMANENT CONTRACT?

Many banks require seniority, but not all. I know which institutions accept those who recently started with a stable contract.

Tell me about your situation
What I can do for you

My services

Every situation is different. Choose the service you're interested in and write to me: let's talk it over, with no commitment.

Mortgage

First home, refinancing, renovation, liquidity. I guide you from start to finish to get the right mortgage for you.

EmployeesSelf-employedPublic workers
Ask about mortgages →

Personal Loan

For any need: car, medical expenses, personal projects. I find the loan with the most affordable monthly payment.

EmployeesSelf-employed
Ask about loans →

Salary-Backed Loan

The ideal solution for public and government employees. Repayment deducted from your payslip, zero hassle.

Public employeesGovernment workers
Ask about salary-backed loans →

Life & Home Insurance

Protect your family and your home. I offer tailored policies with the best value for money.

Everyone
Ask about insurance →

Private Property Sales

Selling without an agent? I support you in managing the buyer's mortgage and financial advice for both parties.

BuyersSellers
Ask about property sales →
Federico Grulli — Credit and Insurance Consultant
Available
About me

Hi, I'm Federico.

For 8 years I've been helping people and families in Emilia-Romagna find the right mortgage, loan or insurance — without the stress of going from one bank to another.

I don't work for a single bank: I work for you. I study your situation and propose the solution that genuinely works for you.

OAM Registered Credit Mediator — no. M325
IVASS Registered Insurance Intermediary — no. E000696862
8 years of industry experience
Operating throughout Emilia-Romagna
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Mortgage consultant in Bologna and credit mediator in Emilia-Romagna

I offer consultations for first home mortgages, refinancing, personal loans, salary-backed loans and insurance throughout Emilia-Romagna: Bologna, Modena, Parma, Reggio Emilia, Ravenna, Ferrara, Rimini, Forlì-Cesena and Piacenza.

Whether you are an employee, a freelancer, a public worker or a foreign national with a residence permit, I can help you find the most suitable credit solution for your situation. OAM and IVASS registered, I work independently by comparing offers from different banks.

Frequently asked questions

Any doubts?

Answers to the questions I get asked most often.

Yes, 100%. My fee comes from the credit institution or insurance company, not from you. The service is completely free and with no commitment.
For an initial chat, you don't need anything! When we go deeper, usually an ID, recent pay slips (or tax return if self-employed) and a little more. I guide you step by step.
It depends on the product: a salary-backed loan can close in a few days, a mortgage takes a few weeks. In any case, I give you clear timelines from the first contact, with no surprises.
Absolutely yes. I work with institutions that also consider self-employed workers. Even if other banks have said no, there are specific solutions for freelancers.
I mainly operate in Emilia-Romagna — Bologna, Modena, Parma, Reggio Emilia, Ravenna, Ferrara, Rimini, Forlì-Cesena and Piacenza — but consultations also take place by phone or video call. So I can help you even if you're not in the area. Write to me and let's talk!
To get a mortgage in Bologna, message me on WhatsApp. I'll analyse your situation, compare offers from different credit institutions and guide you through to signing. All for free and with no commitment.
As a credit consultant in Modena, I help you find the best mortgage or loan by comparing offers from different banks. I am OAM and IVASS registered, and my consultation is always free.
Yes, with a residence permit and stable employment it is possible to get a mortgage in Emilia-Romagna. I know the institutions that genuinely evaluate the situation of foreign nationals in Bologna, Modena, Parma and other provinces.

Ready to find the right solution?

Message me on WhatsApp: it's free, fast and with no commitment.

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Need help? Message me!