Pierluigi Miotti broker

The credit broker (also known as a broker) is a professional who acts as an intermediary between consumers and financial institutions (such as banks or financial companies) to facilitate access to credit. This is a regulated figure by Italian law that, without directly providing funds or loans, helps customers to identify the financing solutions most suitable for their needs, such as mortgages, personal loans, transfers of fifth, leasing and other.

Role and functions of the credit broker

  • Analyse the financial profile of the client: listen to the client’s needs and assess their credit capacity and specific needs.
  • Offers personalised advice: compares and proposes the best credit options available on the market, working with different credit institutions.
  • Assists in the credit application process: supports the client in collecting and compiling the documentation necessary for the application of a loan.
  • Manages the negotiations: average between client and bank to obtain advantageous conditions in terms of interest rates, loan duration, required guarantees and other contractual aspects.

Requirements and regulations

In Italy, the activity of credit broker is regulated by the Banking Act (TUB), which provides strict requirements to ensure transparency and competence. To operate legally, a broker must:
  • Be registered with the OAM (Agency of Agents and Mediators), the body that regulates and supervises the category.
  • Have good reputation and professional qualifications, certified through specific training courses and passing examinations.
  • Not be linked to a single credit institution: it must maintain independence and the possibility of offering credit solutions from different banks or financial companies.

Advantages of contacting a broker

  • Access to a wide range of funding solutions: an intermediary can offer several alternatives, being independent and collaborating with multiple institutions.
  • Time and bureaucracy savings: the broker supports the client in all stages of the process, simplifying the search and management of the files.
  • Personalised advice: analyses and compares credit solutions and assists the customer in selecting the most advantageous product.
The credit broker is therefore a valuable resource for those who want access to affordable financing with the support of an impartial and qualified expert.
Pierluigi Miotti broker Credit broker
Authorized to work as an employee of Credipass Srl OAM M12