Sintesi

Ottieni informazioni essenziali
per comprendere questo mercato

Dettaglio del contenuto

Informazione

  • Pagine Nome : 30 pags
  • Formato : PDF Digital One Digital One
  • Ultimo aggiornamento : 15/02/2022
Dettaglio degli aggiornamenti

Riepilogo ed estratti

1 Market Overview

1.1 Definition and presentation

Real estate loan brokerage is an intermediary activity through which a broker brings borrowers and mortgage lenders together, without using their own funds to originate the loans. Therefore, the role of brokers is crucial in such transactions, as they are able to connect borrowers with lenders, seeking the best solution in terms of both the borrower's financial situation and interest rate requirements. The main benefits include saving time and effort during the mortgage application process, as well as potentially saving a lot of money over the life of the loan.

The broker's skills are often called upon when an individual in need of a mortgage is unable to get one from a bank. In this case, the mortgage broker will be tasked with studying a particular file, and leveraging their skills to push for a positive loan. The mortgage broker is also a very useful figure for companies, as he has the possibility to take advantage of more advantageous conditions than the classic options offered by banks.

The global mortgage brokerage market was valued at $5.52 billion in 2019, and is expected to reach $22.30 billion in 2027, growing at a CAGR of 19.1%. The market includes all mortgage transactions carried out by brokers.

In Italy, a growing number of financial institutions are providing mortgage brokerage services. Since 2012, the main banking groups have reviewed their business models in order to introduce this activity within the range of products offered to customers. In particular, they have found it convenient to offer customers a full mortgage brokerage service, due to the list of advantages it brings both for the bank and for the counterparties (the lender and the borrower). For example, by providing this service, the financial institution no longer releases liquidity to the borrower, so it no longer bears the counterparty risk. Moreover, the financial institution charges a commission for this intermediation activity, which represents a positive component of its total profitability.

Therefore, even though Italy can be considered a bank-centric country, an increasing trend of intermediaries is considering expanding the activity of mortgage brokerage, which has proven to be highly profitable and cost-effective.

The main financial groups offering mortgage brokerage services in Italy are Kìron Partner, Euroansa, Auxilia Finance and Facile.it.

1.2 The national mortgage brokerage market

Market size calculation:

The findings captured show strong volume growth in H* **** compared to H* ****, recording a percentage change of +**% in just six months. This change is mainly driven by mediations to individuals (***). Mediators brokered €* *** *** *** in ****.

Mortgage brokers in Italy represent **% of the overall mortgage market. This figure will then be ...

1.3 2020: a year of turmoil for mortgage brokerage

The year **** was a very fruitful year for the mortgage brokerage market. Indeed, in just one year (***), the number of employees in brokerage companies increased significantly:

Evolution employés dans le courtage immobilier Italie, ****-****, en nombre et en % Source: ****

The OAM estimates that in this year **** people took the exam ...

2022 : la croissance devient plus incertaine

**** a tout de même été une bonne année pour le secteur, selon un rapport de la Commission européenne.**MAXa enregistré une croissance de la valeur intermédiée de**,*% par rapport à ****. Cependant, il faut introduire à ce stade le problème de la hausse des taux d' intérêt ...

2 Demand Analysis

2.1 Italians' mortgages

Istat published a report on the housing market in Italy in ****.

In Italy, mortgages are broken down by region as follows:

Mortgages of Italians in ****:

Source: ****

It is the Center and the entire North that are driving the growth of this sector, especially for the year ****. Although, it should be noted, ...

2.2 The profile of mortgage applicants

At the end of the year ****, the mortgage brokerage company ** Max published a report with the most important data regarding the mortgage brokerage market. Among them, a profile of those who turn to mortgage brokerage to apply for a mortgage also emerges. The most important factors are summarized as follows:

Typologie ...

2.3 The profile of the mortgage broker

Mortgage brokers must take an aptitude test in order to be enrolled in the OAM List and then to practise. As a rule, mortgage brokers carry out their activities without being linked to any of the parties by relationships that could compromise their independence.

Geographical distribution of mortgage brokers:

Concentration des ...

3 Market Structure

3.1 Differences between classes and sizes of mortgage brokers

Size of mortgage brokerage firms:

The different sizes by which brokerage firms are categorized are as follows:

Micro: *-* employees Small: *-** employees Medium: **-** employees Large: **-*** employees Very large: over *** employees

Business sectors by size:

A **** report from the OAM brings out the main differences between business sectors and ...

3.2 Interest rates received by brokers

The rates received by mortgage brokers are highlighted each year by annual surveys conducted by the Bank of Italy. The rates are different depending on the nature of the other party, in other words whether they are individuals or companies.

For the year **** the figures are as follows:

These values are ...

3.3 Prospects for recovery

An OAM survey conducted in **** presents the outlook for the mortgage brokerage market from the firms' perspective. The results below highlight the products offered that mortgage brokerage firms believe will grow the most during these recovery years.

Important to keep in mind is the fact that under lockdown, it was private ...

3.4 Mortgage loans: real estate agencies and mortgage brokers

For individuals, as for businesses, it is essential to understand the interest rates at the time of a loan to find the best option. There are several rates to consider when applying.

The APR is the main tool for transparency in consumer mortgage contracts. It is an index harmonized at Community ...

4 Analysis of the offer

4.1 Products offered by the mortgage brokerage market

An important characteristic of the mortgage broker is that he carries out his activities without linking himself to any of the parties involved. In this way broker independence is preserved. There can therefore be no collaboration, representation or dependence between the parties. Among the activities that a mortgage broker regularly does ...

4.2 Mortgage brokerage: products for businesses

Mortgage brokerage and all related activities (***) are not only available for individuals, but an important part is also reserved for companies. In fact, all mediation and especially consulting activities for companies are an important part of the market. This segment is commonly reffered to as corporate.

According to OAM's **** report, more ...

4.3 The price of real estate

There are two definitions to keep in mind:

New dwellings are newly constructed or existing dwellings renovated and sold by construction companies. Existing homes are existing homes sold by households or other institutional sectors.

Istat, in a report on housing prices published in ****, highlights the evolution of prices of new and ...

5 Regulation

5.1 General Overview

Since the real estate crisis of ****, regulation has strongly influenced the mortgage broker profession. In fact, on the one hand the Basel III agreements published on ** December ****, imposed limits on risk-taking by banks, leading to the withdrawal of specialized banks from the brokerage segment.

On the other hand, national regulations follow ...

5.2 New 2022 regulation : the incompatibility between brokerage and financial services

On February *, ****, the rule that makes it impossible to practice real estate brokerage with financial services activities came into force. In other words, the profession of real estate agent is incompatible with that of mortgage broker.

This national rule comes from the European Law ****-**** (***), which therefore makes the practice of ...

6 Positioning of actors

6.1 Segmentation

  • Kìron Partner
  • Euroansa
  • Auxilia Finance
  • Più Mutui Casa
  • Facile.it
  • Finint Mediatore Creditizio
  • 24Max

Grafica

  • Evoluzione dei dipendenti nella mediazione creditizia
  • Variazione compravendite immobiliari rispetto allo stesso periodo dell'anno precedente
  • Tipologia di richiedenti
  • Divisione di genere dei richiedenti il prestito
  • Età dei richiedenti
Mostra di più Nascondere

Tutti i nostri studi sono disponibili online e in PDF

Ti invitiamo a consultare un esempio del nostro lavoro di studio su altri mercato!

Una domanda su questo studio ?   +39 380 247 7810

ultime novità

Aziende citate in questo studio

Questo studio contiene un panorama completo di società di mercato con le ultime cifre e le notizie di ogni azienda :

Kìron Partner
Euroansa
Auxilia Finance
Più Mutui Casa
Facile.it
Finint Mediatore Creditizio
24Max

Scegliere questo studio è :

Accedi a più di 35 ore di lavoro

I nostri studi sono il risultato di oltre 35 ore di ricerca e analisi. L'uso dei nostri studi ti consente di dedicare più tempo e aggiungere valore ai tuoi progetti.

Approfitta di 6 anni di esperienza e oltre 1.500 studi settoriali già prodotti

La nostra competenza ci consente di produrre studi completi in tutti i settori, inclusi i mercati di nicchia o emergenti.

Il nostro know-how e la nostra metodologia ci consentono di produrre studi con un valore unico di denaro

Accedi a diverse migliaia di articoli e dati a pagamento

BusinessCoot ha accesso all'intera stampa economica a pagamento e ai database esclusivi per svolgere studi di mercato (+ 30.000 articoli privati e fonti).

Al fine di arricchire i nostri studi, i nostri analisti utilizzano anche indicatori Web (semrush, tendenze, ecc.) Per identificare le tendenze in un mercato e strategie aziendali. (Consulta le nostre fonti a pagamento)

Supporto garantito dopo l'acquisto

Una squadra dedicata al servizio post-vendita, per garantirti un alto livello di soddisfazione. +39 380 247 7810

Un formato digitale progettato per i nostri utenti

Accedi a un PDF ma anche una versione digitale per i nostri clienti. Questa versione consente di accedere a fonti, dati in formato Excel e grafica. Il contenuto dello studio può quindi essere facilmente recuperato e adattato per i tuoi supporti.

Le nostre offerte :

the mortgage brokerage market | Italy

89 €
  • Quali sono i dati relativi alle dimensioni e alla crescita del mercato?
  • Cosa sta influenzando l'andamento e l'evoluzione del mercato?
  • Qual'è il posizionamento degli attori di mercato?
  • Segmentazione e profilo delle aziende operanti nel mercato
  • Dati e numeri da una molteplicità di fonti

Pacchetto di 5 studi (-15%) IT Italy

75.6 € / studi
378 € Invece di 445 € -15%
  • 5 rapporti a 75,6 € IVA esclusa per studio da scegliere dal nostro catalogo italiano per 12 mesi
  • Risparmiare il 15% sugli studi aggiuntivi acquistati
  • Scegliere il rimborso del credito non utilizzato al termine dei 12 mesi (durata del pacchetto).

Consulta i termini e le condizioni del pack e del rimborso del credito non utilizzato.

Aggiunte e aggiornamenti

Riferimenti dei nostri clienti

Hanno consultato i nostri studi Scopri le opinioni (+500)

Malcolm Vincent
Linkedin logo

Malcolm Vincent

Astoria Finance

Gregoire de Castelnau
Linkedin logo

Gregoire de Castelnau

Stags Participations

Timothé Huignard
Linkedin logo

Timothé Huignard

PWC

Paul-Alexis Kebabtchieff
Linkedin logo

Paul-Alexis Kebabtchieff

BCG

Aymeric Granet
Linkedin logo

Aymeric Granet

Publicis Consultant

Interviste e clienti CAS Tutte le interviste e i casi dei clienti (45)

La pépite Interview

BFM Business

Paul-Alexis Kebabtchieff

Boston Consulting Group

Marie Guibart

Kea Partners

Elaine, Durand

Crédit Agricole, Information & Veille

Philippe Dilasser

Initiative & Finance

Anne Baudry

Metro

Amaury Wernert

Kroll (Duff & Phelps)

Smart Leaders Interview

B-Smart

Una domanda ?
Il nostro team è a tua disposizione a   +39 380 247 7810