Have you made the big decision about the next step?

The process of buying a home through a mortgage seems difficult and complex, as endless questions arise in your mind:

  • What type of loan is suitable for my case?
  • What will be the interest rate?
  • How much will the installment be?
  • How many years will I need for repayment?
  • What should be the maximum amount of the property I will buy?
  • Which bank should I choose?
  • Will I be able to pay my installments in the future?

A Mortgage Broker whom you can trust to answer all your questions is the solution to your concerns.

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We are here to take care of everything for you.

As a mortgage issuance intermediary, IMS helps you make the right moves to quickly and easily release your loan. We dedicate the necessary time to:

  • Fully understand your needs
  • Assess your creditworthiness
  • Present all possible options from the banking market
  • Educate and advise you securely to formulate the best solution for your unique case
  • Ensure the most suitable loan for you

Most importantly, we are by your side, taking on the entire process, and providing you with personalized service.

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Now you can start your mortgage loan application online!

IMS provides you with all the necessary tools for quick and easy loan disbursement:

  • Submission of a mortgage loan application
  • Tracking the status of your application with updates at every stage
  • Notifications and reminders for required actions
  • Submission of supporting documents
  • Loan installment calculation with detailed information, reminders, and repayment scheduling
  • Immediate creditworthiness check
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Our 25 years of professional experience

and our specialization in mortgage brokerage ensure effectiveness for our clients. Maintaining partnerships with major Greek banks, we possess excellent knowledge of the banking system. Acting impartially and always in the interest of the prospective borrower, we can provide them with an environment of security, functionality, continuous updates, and very high success rates for their loan application.

IMS is the largest Mortgage Broker in the country, having obtained an official license from the Bank of Greece.

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The 7 steps for your home

For the issuance of your mortgage loan, seven basic stages are followed, in which the qualified IMS consultants will guide you safely, consistently and with absolute knowledge of the procedures.

step 1

Next step, after your meeting with one of the IMS advisors, is to send your application to the bank of your choice for the amount you wish to be financed. IMS proceeds to gather your financial data, we prepare our report and send the request to the bank for evaluation. It is noted that in order to proceed with the pre-approval request it does not require that you have ended up with a property.

step 2

After the bank evaluates your financial profile, your request receives a financial pre approval. The financial pre-approval is an official bank form, on which is written the amount pre-approved by the bank of your choice, with a specific time validity. It essentially confirms that it agrees to finance you for the amount you requested.

step 4

After finalizing the financing amount, your request receives final approval, the bank form that essentially guarantees you the granting of a specific loan amount. You can now safely proceed to sign the purchase contract for the property.

step 5

The final approval is followed by the signing of the property purchase contract, its transfer to the mortgage registry / land office and its presentation to the bank. The bank checks the purchase contract and the borrower’s file again. The signing of the loan agreement essentially formalizes the terms and conditions of granting the housing loan.

step 6

After signing the loan agreement, there is an appointment with the bank’s lawyer in order to proceed with the registration of the pre-notation on the property purchase. Essentially, the pre-notation note is a form of mortgage and secures the bank, as it acts as a guarantee for the amount of the loan granted to the borrower.

step 7

The last step of the process is the disbursement of the amount to the customer’s account, who by issuing a two-line check pays the seller of the property and the mortgage loan process is completed by presenting the notarized payment deed to the bank.

The 7 steps for your home

For the issuance of your mortgage loan, seven basic stages are followed, in which the qualified IMS consultants will guide you safely, consistently and with absolute knowledge of the procedures.

1
Mortgage Application
step 1

Next step, after your meeting with one of the IMS advisors, is to send your application to the bank of your choice for the amount you wish to be financed. IMS proceeds to gather your financial data, we prepare our report and send the request to the bank for evaluation. It is noted that in order to proceed with the pre-approval request it does not require that you have ended up with a property.

2
Financial Pre-Approval
step 2

After the bank evaluates your financial profile, your request receives a financial pre approval. The financial pre-approval is an official bank form, on which is written the amount pre-approved by the bank of your choice, with a specific time validity. It essentially confirms that it agrees to finance you for the amount you requested.

3
Legal – Technical Control
step 3

Having received the financial pre-approval and once you have settled on a property, the bank will proceed with its inspection. The bank’s lawyer checks the legal status of the property, the engineer checks that it is urban planning legal and will assess its current commercial value, based on which the final loan amount will be finalized.

4
Final approval
step 4

After finalizing the financing amount, your request receives final approval, the bank form that essentially guarantees you the granting of a specific loan amount. You can now safely proceed to sign the purchase contract for the property.

5
Contract signing
step 5

The final approval is followed by the signing of the property purchase contract, its transfer to the mortgage registry / land office and its presentation to the bank. The bank checks the purchase contract and the borrower’s file again. The signing of the loan agreement essentially formalizes the terms and conditions of granting the housing loan.

6
Registered notice
step 6

After signing the loan agreement, there is an appointment with the bank’s lawyer in order to proceed with the registration of the pre-notation on the property purchase. Essentially, the pre-notation note is a form of mortgage and secures the bank, as it acts as a guarantee for the amount of the loan granted to the borrower.

7
Disbursement
step 7

The last step of the process is the disbursement of the amount to the customer’s account, who by issuing a two-line check pays the seller of the property and the mortgage loan process is completed by presenting the notarized payment deed to the bank.

What mortgage are you interested in?

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Αγορά Ακινήτου

Αγορά Ακινήτου: Οδηγός για να κάνετε τη σωστή επιλογή

Η επιλογή ενός ακινήτου είναι μια σημαντική απόφαση που απαιτεί προσεκτική ανάλυση πολλών παραμέτρων. Είτε πρόκειται για αγορά κατοικίας, είτε για επένδυση, τα σωστά κριτήρια μπορούν να εξασφαλίσουν την καλύτερη δυνατή επιλογή. Ακολουθούν οι βασικοί παράγοντες που πρέπει να ληφθούν υπόψη. 1. Τοποθεσία Η τοποθεσία είναι ίσως ο σημαντικότερος παράγοντας. Ένα ακίνητο σε μια προνομιακή περιοχή έχει μεγαλύτερη αξία και ζήτηση. Κριτήρια που πρέπει να εξεταστούν: Πρόσβαση σε μέσα μαζικής μεταφοράς Εγγύτητα σε σχολεία, πανεπιστήμια, νοσοκομεία, χώρους αναψυχής και εμπορικά καταστήματα. Ασφάλεια της περιοχής Μελλοντική ανάπτυξη και υποδομές 2. Τύπος και μέγεθος ακινήτου Ανάλογα με τις ανάγκες σας, πρέπει να επιλέξετε τον κατάλληλο τύπο ακινήτου: Διαμέρισμα, μονοκατοικία ή μεζονέτα Όροφος, τετραγωνικά μέτρα και διαρρύθμιση Αριθμός υπνοδωματίων και μπάνιων Παροχές όπως πάρκινγκ, αποθήκη, μπαλκόνια 3. Κατάσταση του ακινήτου Η κατάσταση του ακινήτου μπορεί να επηρεάσει σημαντικά το κόστος συντήρησης και ανακαίνισης. Εξετάστε: Αν είναι καινούργιο, ανακαινισμένο ή παλαιό Την ποιότητα της κατασκευής και τα υλικά Ενδεχόμενα προβλήματα όπως υγρασία, μούχλα ή ζημιές 4. Νομικά, τεχνικά και οικονομικά ζητήματα Πριν την αγορά, είναι απαραίτητο να ελέγξετε τα νομικά και οικονομικά θέματα του ακινήτου: Καθαρότητα τίτλων ιδιοκτησίας Υποχρεώσεις όπως δάνεια ή βάρη του ακινήτου. Τυχόν φορολογικές επιβαρύνσεις ή μεταβιβάσιμα έξοδα 5. Ενεργειακή απόδοση Η ενεργειακή κλάση του ακινήτου επηρεάζει τα λειτουργικά έξοδα και τη βιωσιμότητά του. Προτιμήστε ακίνητα με: Καλύτερη μόνωση και κουφώματα Ενεργειακά αποδοτικά συστήματα θέρμανσης και ψύξης Ανανεώσιμες πηγές ενέργειας 6. Μελλοντική αξία και επενδυτική προοπτική Αν αγοράζετε για επένδυση, πρέπει να εκτιμήσετε την πιθανή απόδοση: Ζήτηση στην περιοχή Δυνατότητα μεταπώλησης ή ενοικίασης Αναμενόμενες ανατιμήσεις στην αγορά Η επιλογή του σωστού ακινήτου απαιτεί έρευνα και προσεκτική ανάλυση. Αν λάβετε υπόψη τα παραπάνω κριτήρια, θα κάνετε μια επιλογή που θα καλύψει τις ανάγκες σας και θα αποδειχθεί αποδοτική στο μέλλον.   Δυνατότητα χρηματοδότησης του ακίνητου Η χρηματοδότηση είναι συχνά απαραίτητη για την απόκτηση ενός ακινήτου. Στην IMS, μπορούμε να σας καθοδηγήσουμε στην επιλογή του κατάλληλου στεγαστικού δανείου, προσφέροντας εξειδικευμένες λύσεις προσαρμοσμένες στις ανάγκες σας.

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Mortgage loan

Mortgage loan for civil servants with preferential interest rate exclusively offered by IMS

IMS, taking advantage of its leading position in the banking market and recognizing the important role of civil servants in the smooth operation of our state and country, has achieved for them the most favorable financing terms for their mortgage loan. As the largest and only partner of all four major systemic banks, we take advantage of the professional stability and perspective of this working group, ensuring any significant reduction in profit margin (spread), as well as reduced administrative costs. IMS with its well-qualified economists, who have extensive experience in the banking sector, is the largest partner of the Greek banks in mediation for the issuance of a mortgage loan without any direct or indirect financial cost for the borrower. With the help of specialized consultants, we shall find together the solution that best serves your needs. We are specialized in the mediation for the issuance of mortgages on behalf of our customers and their needs. We are paid exclusively for our services by the financial institutions, at no cost for the prospective mortgage holder, whether they complete the disbursement process or withdraw at any stage of the process.

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Mortgage loan

Housing Loan for Residents Abroad

The relationship we have built with the banks and the large number of cases we undertake, enables us to negotiate the best terms for you and to offer high quality services regarding your mortgage. Our team has helped thousands of families buy their own home and it has mediated in more than 3,000 home loan disbursements. IMS with its well-qualified economists, who have extensive experience in the banking sector, is the largest partner of the Greek banks in mediation for the issuance of a mortgage loan without any direct or indirect financial cost for the borrower. With the help of specialized consultants, we shall find together the solution that best serves your needs. We are specialized in the mediation for the issuance of mortgages on behalf of our customers and their needs. We are paid exclusively for our services by the financial institutions, at no cost for the prospective mortgage holder, whether they complete the disbursement process or withdraw at any stage of the process.

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Στεγαστικό δάνειο

Mortgage Loan Easily and Quickly

IMS, staffed by qualified economists with extensive experience in the banking field, is the largest partner of Greek banks in mediation for the issuance of a housing loan without any direct or indirect financial burden for the borrower. With the help of specialized consultants, we find together the solution that best serves your needs. Cost free credit assessment, letting you know the loan amount and interest rate we can get you on the same day. We specialize in mortgage brokerage, acting in the best interest of our clients. We are paid exclusively for our services by the banking institutions, at no cost to the prospective borrower, whether he completes the disbursement process or withdraws at any stage of the process. The contractual process for buying a house through bank financing is an affair that requires your time and attention for several weeks. Our team of expert advisors is able to handle all the necessary actions, coordinating all the parties involved for the issuance of home loans as well as guiding you to choose the best and most economical solution.

And yet, without any financial burden at all!

The services of IMS are absolutely free for its clients as it is paid exclusively by the banking institutions it cooperates with, after the loan has been disbursed. We never charge the borrower any additional fees, even if he changes his mind or withdraws from our services. The same applies to foreign residents who wish to purchase a property through a mortgage loan in Greece.

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Still have questions? We have the answers...

The Administration and Staff of the company have over 25 years of experience in the field of housing loans. The complex process of the product requires expertise and knowledge, qualities that we possess as our members come from the financial and banking sectors. The successful management and consistency of our services are reflected in the high preapproval rate of our requests, reaching 90%, and in the continuously growing market share we hold in released housing loans across the banking market, exceeding 10%. In 2022, IMS facilitated the disbursement of a total amount of housing loans totaling €135,000,000, while simultaneously the company actively manages 4,000 pending applications on average.

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IMS receives payment exclusively from the financial institutions it collaborates with. Our fee is determined by the contractual agreement we have with the bank and is paid only upon the disbursement of the loan. As a customer and potential borrower, you will not incur any charges for our services, either directly or indirectly.

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By obtaining a financial pre-approval from the bank, you will receive an official response regarding the loan amount and installment you can afford. This will assist you in searching for a property that aligns with your financial capabilities. Additionally, you will save valuable time without any obligation or financial burden.

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There are basically three options:

- Fixed interest rate: remains unchanged for an agreed period.

- Floating interest rate: linked to the Euribor rate plus a spread, and it stays fixed throughout the loan period.

- Fixed and float interest rate: fixed for the initial years and floating for the remaining years (for example, fixed for the first 5 years and floating for the subsequent years).

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What is your experience in the mortgage sector?

What is the cost that I will have as a customer?

Why should I apply for Pre-Approval without having found a property?

What type of interest rate can I select?

What is your experience in the mortgage sector?

What is the cost that I will have as a customer?

Why should I apply for Pre-Approval without having found a property?

What type of interest rate can I select?

The Administration and Staff of the company have over 25 years of experience in the field of housing loans. The complex process of the product requires expertise and knowledge, qualities that we possess as our members come from the financial and banking sectors. The successful management and consistency of our services are reflected in the high preapproval rate of our requests, reaching 90%, and in the continuously growing market share we hold in released housing loans across the banking market, exceeding 10%. In 2022, IMS facilitated the disbursement of a total amount of housing loans totaling €135,000,000, while simultaneously the company actively manages 4,000 pending applications on average.

Our biggest certification is our customers!

Read our dozens of reviews on Google Businesses attesting to the reliability and effectiveness of IMS:

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450

Over 450 partnerships
in the field of
Real Estate and construction

money

670

Million euros in
approved mortgage
loans in 2024

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90%

Over 90% approval

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25

years of
experience

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11,8%

We managed 11.8% of the
disbursed mortgage loans
among systemic banks
for 2024