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REFINANCING CALCULATOR

Time to Lower the Interest Rate

On Your Mortgage

Mortgage Loan Krakow | Mortgage Expert Krakow | 0% Commission | Offers from 26 Banks | Mortgage Advisor Krakow | Comprehensive Service for Expats in Poland | 100% Service in English | Mortgage Guide | Harveo Jacob Adam Kredyt Hipoteczny Kraków | Ekspert Kredytowy Kraków | 0% Prowizji | Oferty 26 Banków | Doradca Kredytowy Kraków | Comprehensive service for Expats in Poland | Kredytowy Poradnik |
Book a consultation
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You have the right to a lower rate

When the market offers a better rate, you can take advantage of it — and right now, that’s the case.

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Reduce by up to 2–3 p.p.

Just like hundreds of our clients. We’ll show you in numbers how much you can save.

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Free consultation

Banks cover our fee — you pay us nothing.

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No commission, no tricks

From the first call to signing the agreement — no hidden costs.

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We calculate real profitability

We include margin, fees, insurance, and the right to early repayment. We show the break-even point in months.

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Full transparency

We clearly present costs and scenarios. You decide — we support.

Kalkulator refinansowania kredytu

Policz ratę i łączne odsetki po refinansowaniu. Uwzględnij operat, prowizje i opłaty – odzyskane prowizje/ubezpieczenia policzymy jako benefit.

Parametry i wyniki

Koszty refinansowania i benefit

+/- 500 PLN • kwota orientacyjna – zależy od banku oraz czy akceptuje operat zewnętrzny czy tylko wewnętrzny.
Kwota liczona jako benefit – odejmowana od łącznego kosztu nowego rozwiązania.
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Efektywna oszczędność miesięczna (odsetki)
Różnica odsetek w racie
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Obecna suma odsetek
Cały okres
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Spadek raty
Różnica miesięczna
–
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Suma odsetek nowego kredytu
Bez kosztów okołokredytowych
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Różnica w odsetkach
Cały okres
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Różnica sumaryczna
Wszystkie raty + koszty − benefit
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Łączny szacowany koszt refinansowania
Zwrot: — tyg.
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Zwrot kosztów (tygodnie)
Przy obecnych parametrach
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Wysokość raty (aktualna):
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W skład Twojej raty wchodzi:
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Rata kapitałowaRata odsetkowa
Podana wielkość rat nie obejmuje innych ewentualnych opłat (np. ubezpieczenia, prowizje).
Wysokość raty (nowa):
—
—
W skład Twojej raty wchodzi:
—
—
Rata kapitałowaRata odsetkowa
Podana wielkość rat nie obejmuje innych ewentualnych opłat (np. ubezpieczenia, prowizje).

Otrzymaj indywidualnie dopasowane zestawienia aktualnie najkorzystniejszych ofert banków

Umów się z nami na krótką i bezpłatną konsultację aby dopasować aktualnie najkorzystniejsze oferty banków, wygenerować szczegółowe zestawienia oraz ułożyć pełną koncepcję. W 20 min bezpłatnie sprawdzimy zdolność, dobierzemy bank, odpowiemy na wydania a w następnych krokach zajmiemy się formalnościami.

Umów bezpłatną konsultację

Harmonogram porównawczy

Założenia: raty równe (annuitet), stałe nominalne oprocentowanie, koszty nie są finansowane w kredycie. Operat: kwoty orientacyjne (500/900 PLN) — zależą od banku i rodzaju operatu (zewn./wewn.).

Check Your Savings

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    Our experts will review your current mortgage agreement and create an individual refinancing plan tailored to your needs.

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    We will then match and discuss with you the most favorable offers currently available, helping you save significantly and optimize your existing loan with lower interest rates.

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    We’ll provide clear calculations of monthly savings, total interest reduction, and the payback period for the refinancing process.

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    Remember, our services are completely free for you — banks cover our fee.

How does refinancing work?

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  • Loan600 000 PLN
  • Your interest rate8.2 %
  • Your installment4 486 PLN
  • Total interest1 015 150 PLN
0% FEE

Less interest

333 978 PLN

Monthly savings

1 150 PLN

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  • Loan600 000 PLN
  • New interest rate5.9 %
  • Your installment3 559 PLN
  • Total interest681 175 PLN

Refinancing from a fixed rate (5 years)

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Move your mortgage to a cheaper bank

Take advantage of lower rates and current promotions.

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You don’t have to wait the full 5 years

We can switch earlier — legally and safely.

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Check today’s options

The market has changed — we’ll compare the best variants for you.

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0% for switching & early repayment

Banks cover our fee — you pay nothing.

Refinancing from a variable rate (WIBOR)

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Reduce your loan margin

We negotiate the margin and the total cost (APR).

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Optimize the parameters

Term, payment, insurance — tailor them to your cash flow.

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Consider the safety of a fixed rate

Simulations: fixed vs variable — see what pays off.

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0% for switching & early repayment

Transparent service with no hidden costs or “gotchas”.

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Important!

According to the current KNF recommendation, a fixed-rate mortgage can only be refinanced into another bank’s offer with a periodic fixed interest rate – switching to a variable rate is not possible.

This can be done before the 5-year period ends at your current bank — even the day after signing the loan agreement and disbursement of funds. In other words, at any moment you can optimize your interest rate by moving to a lower fixed rate at another bank.

FAQ – mortgage refinancing

The most common questions and answers about moving your mortgage to another bank.

What is mortgage refinancing?
Refinancing means moving your existing mortgage to another bank on new terms. The new bank repays your current loan, and you continue repaying the debt at the new institution — usually with a lower margin/interest rate, a different installment, or a different loan term.
When is refinancing worthwhile?
When the new rate is clearly lower, the remaining term is long enough for interest savings to cover switching costs, and when you don’t lose key benefits or you can recreate them at the new bank.
How do I calculate real-world profitability?
Compare the cost of staying (sum of installments at the old rate) with the cost after refinancing (sum of installments at the new rate + refinancing fees − any benefit). The payback indicator in weeks also helps to judge timing.
Which costs should I include?
Typically: appraisal, land & mortgage register entry, mortgage discharge, “vacated mortgage place” (if applicable), PCC (about 19 PLN for a notarial power of attorney), new-bank origination fee (if any), early-repayment fee at the current bank (if any), and recovered fees/insurances (counted as a benefit).
Will the bank reassess my creditworthiness?
Yes. The bank verifies income and its stability, credit history, the property’s LTV, and document completeness.
Do I always need a new appraisal?
Usually yes. Some banks accept external appraisals, others require an internal one. Indicative cost: ~500 PLN (apartment), ~900 PLN (house).
Fixed or variable rate after refinancing?
Fixed gives predictable payments during the fixed period (e.g., 5 years). Variable may benefit from falling rates but carries the risk of rising installments. Choose based on time horizon, budget, and risk tolerance.
Does shortening the term always pay off?
Usually yes — it significantly reduces total interest. The condition is that the installment remains acceptable for your budget.
What about extending the term?
It lowers the monthly installment and improves cash flow, but typically increases total interest. Use the calculator to test the trade-off.
Can I consolidate other debts within the refinance?
Some banks allow it. The loan amount rises, LTV changes, and pricing may change — all affecting the overall cost.
How does the “green” (ECO) offer work?
Preferential pricing for energy-efficient properties meeting EP thresholds. Rate cuts are often around 0.1–0.3 pp, depending on the bank.
What about insurance and add-on products (cross-sell)?
A lower margin may be conditional (account, card, salary inflow, policies). Compare margin benefit vs. product costs — total cost matters.
Does early repayment at the current bank always involve a fee?
It depends on your agreement. With fixed rates, a fee is often charged during the fixed period; with variable rates it usually expires sooner. Check your contract/fee schedule.
Can costs be rolled into the new loan?
Sometimes yes, but then principal and future interest rise — recalc the profitability and LTV before deciding.
How do I calculate LTV for a refinance?
LTV = requested loan amount ÷ property value (from appraisal). Lower LTV typically means better pricing and easier approval.
Does my credit history matter?
Yes. Delinquencies or excessive limits can hinder or make the refinance more expensive. Tidy up your history and limits before applying.
Who handles registry entry/discharge?
Typically the client files motions at court (land register division). A power of attorney speeds things up; some intermediaries can do it on your behalf (paid service).
How do I read the payment-composition bar?
In month one the interest share can be high; over time the principal share grows. The bar reflects month one for the parameters you set.
How long does the process take?
Usually several to a dozen weeks: documents → credit decision → agreement → disbursement and repayment of the old loan → court procedures.
Can I change the loan currency?
In practice it’s a new foreign-currency loan — it requires income in the exposure currency and meeting supervisory requirements. Much more complex than just switching banks.
What if I plan to sell the property soon?
With a short horizon, savings may not cover switching costs in time. Watch the payback indicator.
Can I apply to multiple banks?
Yes — that’s standard. It lets you compare offers and acceptance conditions. Keep documents up to date and limit the number of inquiries (impact on credit score is usually marginal if reasonable).
Does refinancing with cash-out make sense?
It can, if the purpose adds value (e.g., renovation increases value or lowers operating costs) and you keep a reasonable LTV and affordable installment.
What about bridge insurance?
Until the new mortgage is registered, the installment may include an extra premium/higher margin (bridge insurance). After the entry, the cost disappears or the margin returns to standard.
How to interpret the “benefit” in the calculator?
These are amounts you recover from your current bank after repayment (e.g., unused insurance package premiums). In the model we subtract them from the total refinancing cost.
Reviews ENG-3
REFERENCES

What Our Clients Say

Expectations exceeded by far. Harveo’s services are of top quality. Not only was I kept informed throughout the entire process, but Seweryn and Jacob were on top of things, provided detailed clarifications on all of my questions and went for the extra mile. Highly recommend Harveo’s services due to their result-oriented work ethic, professionalism with clients, and expertise in the industry.
-Diego Mendez
I have to admit I wasn’t sure about using a broker. The experience with Harveo team has been really surprising. Jakub and Seweryn were outstanding. On the top of my case, available to any questions and constantly thinking of my best interest.
Once the offer of mortgage was secured, they kept following until all the administration was completed ( which is for me – and pretty I’m not the only one – really challenging ).
I also appreciated having conversation not related to the mortgage, the team is really bright, friendly and really good at their job.
Well done! I will definitely use your service again (when time will be best! ) and I highly recommend Harveo service to anyone I know.

-Thomas Mathieu

I have to admit I wasn’t sure about using a broker. The experience with Harveo team has been really surprising. Jakub and Seweryn were outstanding. On the top of my case, available to any questions and constantly thinking of my best interest.
Once the offer of mortgage was secured, they kept following until all the administration was completed ( which is for me – and pretty I’m not the only one – really challenging ).
I also appreciated having conversation not related to the mortgage, the team is really bright, friendly and really good at their job.
Well done! I will definitely use your service again (when time will be best! ) and I highly recommend Harveo service to anyone I know.

-Adil Benhammou

I had the pleasure of working with Harveo as my mortgage advisor, and I can’t recommend their services enough!

From the moment I decided to purchase a flat, Seweryn Kobiela was by my side every step of the way. They made what could have been a complex and overwhelming process feel smooth and manageable.

Seweryn is not only highly knowledgeable but also incredibly patient. They took the time to thoroughly explain the mortgage options available to me, helping me make informed decisions. Their expertise and attention to detail ensured that I secured the best possible mortgage deal.

Throughout the entire process, Seweryn was readily available to answer my questions and address any concerns. Their professionalism and dedication to their clients are truly commendable.

Thanks to Seweryn’s guidance and expertise, I am now happily settled in my new flat, and I couldn’t have done it without them. If you’re in need of a financial advisor who goes above and beyond to assist you in achieving your homeownership goals, look no further.

-Michel Hjazeen

FREE CONSULTATION FOR EXPATS IN POLAND

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Call us or chat. We’ll assess your situation immediately. You will get an individually structured action plan according to your situation. All free of charge.
We operate all over Poland, so don’t hesitate to call no matter where you are
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Mortgage Loan Krakow | Mortgage Expert Krakow | 0% Commission | Offers from 26 Banks | Mortgage Advisor Krakow | Comprehensive Service for Expats in Poland | 100% Service in English | Mortgage Guide | Harveo Jacob Adam Kredyt Hipoteczny Kraków | Ekspert Kredytowy Kraków | 0% Prowizji | Oferty 26 Banków | Doradca Kredytowy Kraków | Comprehensive service for Expats in Poland | Kredytowy Poradnik |
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Default format

The default meeting format is a Google Meet video call.

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Meet at our office

If you’d like to meet at one of our offices, please indicate this preference in the booking notes.

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Audio call option

An audio call via GSM, WhatsApp, or FaceTime is also possible.

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Full English support

We also operate 100% in English.