A mortgage is not simply a contract with a bank: it is the transaction that makes a purchase possible and registers a charge over the property. The quality of the deed depends on how financing, purchase and disbursement are coordinated.
The studio handles the mortgage deed and registration, often in the same session as the purchase, and assists clients with refinancing or renegotiation. One point of contact to avoid delays and unexpected costs.
What it covers
A complete job,
no grey areas.
Mortgage deed
Drafting of the public deed and registration of the charge in line with the lender’s conditions.
Simultaneous completion
Purchase and mortgage in one coordinated transaction, with timing agreed between notary, bank and parties.
Refinancing and subrogation
Assistance with the deeds needed to transfer a mortgage or change its terms while protecting the charge.
First-home relief and guarantees
Verification of the requirements for tax reliefs and public guarantee schemes, with the correct documentation.
Clause review
We read rates, costs and guarantees together: what you sign must be clear before you sign it.
Lender coordination
We align valuations, approvals, documents and dates, reducing the risk of delays.
How it works
From first conversation
to the deed.
-
01
Financing review
We examine the bank’s approval, conditions and documents alongside your purchase project.
-
02
Property checks
We verify title, compliance and anything that could obstruct registration of the mortgage.
-
03
Quote and deed
Written quote, draft and signature of the mortgage deed, with completion where required.
-
04
Registration and delivery
Registration of the charge, filings and delivery of the documents to the bank and to you.
Useful documents
What to prepare,
in good time.
You do not need everything at once. After the first conversation we send a tailored list. These are the most common documents.
- Identity document and tax code of the borrower
- Bank approval letter and mortgage conditions
- Purchase deed or preliminary contract
- Property documentation and energy certificate
- Valuation report commissioned by the bank
- Any guarantees or third-party security
Frequently asked questions
The answers
you need.
Can the mortgage and the purchase be signed on the same day?
Yes, and it is often the most efficient solution. The notary coordinates the bank, the parties and the disbursement so that the purchase and the registration of the mortgage happen in a single, coherent transaction.
What is subrogation in Italian mortgages?
Subrogation allows a borrower to transfer an existing mortgage to another lender without discharging it, typically to obtain better terms. The notary prepares the deed and handles the registration formalities.
Does the notary check the bank’s conditions?
The notary explains the legal effects of the deed and verifies that the transaction complies with the law. We review the clauses with you so that rates, costs and guarantees are clear before signature.
Facing a similar situation? Tell us about it: we will identify the next step together.
Talk to the studio