Trusted Mortgage Experts for Expats in Poland
Free Consultation
Banks cover our fee — you pay zero.
Zero Commission & No Tricks
From the first meeting to signing the contract — no hidden costs.
Same Offers as in the Bank
We compare 26 institutions and choose the best one for you.
Full Transparency
We clearly show costs and scenarios. You decide — we support.
Boutique Mortgage Expertise. Proven Results.
16 years of experience • Recognized by Forbes • Trusted by thousands of clients
Client Trust
Thousands have chosen us for reliability, effectiveness, and an emphatic approach.
Boutique Approach
Our decisions are based on conversation and analysis – never on a mass process.
TOP 1 Among Expats in Poland
We operate at the forefront of advisory services in Poland, thanks to referrals.
Independent Experts
We think long-term and always act in the client’s best interest.
Credit Capacity Analysis
We’ll check your real capacity and show quick steps to improve it.
Handling Formalities
Documents, bank contact, and deadlines — we take care of it all.
Safety & Legal Support
We explain clauses, ensure compliance, and protect your interests.
Post-Launch Support
Annexes, early repayment, refinancing — we stay by your side.
Full support throughout the entire process
Full Support Every Step of the Way
We’re with you from the very first conversation to signing the agreement — ensuring your loan process is smooth and stress-free.
Expert Guidance & Attention to Detail
We identify the best solutions, manage deadlines and paperwork, so you always feel confident.
Here for You for the Long Term
Even after your loan is finalized, we monitor the market and keep you informed of every opportunity for lower payments and better terms.
Save time, stress, and money
We’ll assess your situation immediately
We’re Close to You
Our headquarters are located in the heart of Kraków, with teams also operating in Warsaw, Wrocław, Katowice and Gdańsk. We serve clients all across Poland — both online and through in-person meetings arranged at a convenient time.
Call us or message us in the chat, and we’ll create a personalized action plan for you — fully tailored to your needs and completely free of charge.
Free Consultation & 0% Commission
We talk at no cost – you pay 0 PLN.
Full Support During & After the Process
From analysis all the way to loan disbursement.
TOP 1 Among Expats in Poland
Client trust – expats choose Harveo.
0% Early Repayment Fee
No hidden tricks or extra costs.
16 Years of Experience
Stability, know-how, and proven practice.
100% Service in English
Full support for expats in Poland.
Experts trusted by thousands of clients
Personalized Mortgage Solutions
We design strategies based on an in-depth understanding of the market, macroeconomics and global trends, empowering you to make informed decisions and build a stable financial future — without chance or unnecessary risk.
Post-Loan Care
Our support doesn’t end with signing the agreement. We monitor interest rates and market conditions, alerting you immediately to every opportunity to lower your payments or costs.
Security and Transparency
We protect you from transactional risks and unfair banking practices. We review agreements, documents and loan structures so you can act confidently and with full awareness.
What Our Clients Say
-Diego Mendez
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
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
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
Exclusive Ecosystem for the Ambitious
Harveo Group Brands
A strategic support space for entrepreneurs and professionals. We offer a comprehensive approach to growth and wealth management — combining personal, business and investment finance.
A Holistic Approach
We build financial independence based on knowledge, experience and precise planning. In a complex world of regulations and risks, we point out opportunities and protect your capital.
Tailor-Made Solutions
We create stable and secure wealth structures. Every strategy is the result of analysis and collaboration with renowned experts — never coincidence.
Trust as a Foundation
Discretion, transparency and loyalty are our code of conduct. Our relationships are built on respect and the highest professional standards.
Relationships with Depth
We organize intimate sailing trips for leaders and entrepreneurs — a space for conversations, inspiration and authentic bonds, where business meets lifestyle.
With kind regards,
Founder & CEO
Senior Financial & Real Estate Expert
- Financial Intelligence
- Asset Diversification
- Residency & Passports
- Mortgage Loans
- Lowering Interest Costs
- Life Insurance
- Property Sales
- Property Purchase
- Rental & Leasing
- Boutique Sea Cruises
- Harmony & Safety
- Inspiring Connections