Book a Complimentary Consultation
- No Income in Poland Income generated completely outside the borders of Poland is currently not accepted for standard underwriting.
- Third-Party Encumbrances Mortgage entries in Section IV of the Land Registry in favor of private individuals or non-bank corporate entities preclude standard financing pathways.
- Adverse Credit History Active consumer bankruptcy, active debt collection, court bailiff enforcement proceedings, or significant payment delays recorded in BIK/KRD bureau reports.
- Statutory Tax Arrears Outstanding personal or business liabilities with ZUS or the Tax Office (Urząd Skarbowym) that immediately freeze the financial analysis process.
- Personal Income & Rental Revenue Stable employment structures (Employment Contracts, Mandate Contracts, Appointments) and documented real estate rental income.
- Entrepreneurs & B2B Professionals Active business entities registered in Poland, generating revenue in any major global currency (PLN, USD, EUR, GBP, CHF).
- Residents & International Clients Individuals of any citizenship holding a valid residence card (Karta Pobytu) or formal permanent residence registration for EEA citizens.
- Verified Legal Status of Property The target real estate must possess clear legal standing, with an existing or establishable Land Register (KW) and final building permits.
I confirm that my personal financial profile and the current legal status of the property fully comply with the operational criteria of Harveo Finance outlined above, and I wish to unlock the booking system. We reserve the full right to cancel reservations or decline further onboarding if it emerges that these baseline criteria are not met.
The time slot selected in the calendar is a preliminary proposal. We will contact you shortly to confirm the appointment or adjust the time to align with our current operational schedule.
We communicate at a native level (PL/EN). We seamlessly conduct bilingual processes — there is no need to declare your preferred language prior to the conversation.
To ensure maximum efficiency, in-person meetings at the Harveo office are scheduled exclusively during the second phase of cooperation, following the initial document analysis and development of the strategic foundation.
Boutique Quality Standards Without Geographical Barriers
Whether you are planning an investment in Warsaw, Krakow, Gdansk, Wroclaw, Katowice, or any other region across the country – we handle most of the formalities remotely.
With selected banks, it is possible to efficiently process the entire application completely online, even without the need for physical signatures at the initial stages.
As a financial boutique, we also specialize in serving expats of all nationalities living and working in Poland. We possess an in-depth understanding of mortgage lending procedures for foreign nationals and the specific nuances of residency verification. We ensure the optimal choice of bank, providing complete comfort and time savings at every stage of the analysis.
Join us for premium coffee ☕
🏢 Next Steps: Following initial verification and building the strategic foundation, we invite you to finalize the process in person at our offices.
The headquarters of Harveo Finance is located in Krakow, but our expert strategic teams also operate in Warsaw, Wroclaw, Katowice, and Gdansk.
Our spaces are fully Kid-Friendly — many clients comfortably visit us alongside their youngest children. The modern corporate building and private meeting rooms are perfectly adapted for toddlers, offering quiet zones and dedicated nap rooms. For older children, specialized entertainment areas feature Xbox consoles available across multiple floors of the building.
