📉 The Market Opens a Transfer Window: New Loan or Strategic Refinancing

This article is addressed both to those just planning to enter the real estate market and to current borrowers servicing obligations incurred during peak inflation. December 2025 is shaping up to be a likely turning point for both groups.

Analysis of current offers indicates the appearance of proposals with a fixed nominal interest rate starting around 5.48% for new loans (EKO Millennium Bank offer*) and from 5.83% for refinancing loans. If your current loan is based on high rates from 2021-2024, sticking to the old obligation is mathematically unjustified.

*Note: In the case of refinancing (transferring a loan), the “Eko” offer at Millennium Bank is not available – other promotional rates apply.

Further in the article, we provide a complete overview: 50 pages with an analysis of the most favorable banks, presented in a unified and clear way in one place.

⚖️ How does refinancing work and what are your rights?

Many borrowers mistakenly assume they are “tied” to their bank for 30 years. This is a myth. A mortgage is a market product that you can exchange for a cheaper one at practically any time.

  • The Mechanism: The new bank pays off your old obligation, and you gain a new contract with a lower margin and a lower installment.
  • No Penalty Fees: In current market practice, the vast majority of banks no longer charge a compensation fee (for partial or total repayment – including transferring the loan to another bank) from the very first day of the contract. Nevertheless, we individually verify your contract each time to ensure that the loan transfer is free of any penalty fees from the old bank.
  • The Goal: Pure mathematics. Lowering the monthly cost of debt service.

🔢 Harveo Refinancing Calculator

At Harveo Finance, we have implemented an advanced, proprietary analytical tool: The Harveo Refinancing Calculator, which precisely shows your difference in the cost of money as a monthly saving.

For Mortgage Holders: Practice shows that by transferring a current loan to present market offers, our Clients generate surpluses in their household budgets often in the range of hundreds or even over 1,000 PLN per month.

For New Borrowers: Before you submit an application, we will verify your creditworthiness free of charge, estimate risks, and individually match the currently most favorable offers.

📅 Do not wait passively for market developments. Schedule a free consultation – We will assess your situation on the spot.

📥 Complete Offer Overview

As many as 50 pages and all the most favorable banks presented in a unified way in one convenient place!

✅ 👉 DOWNLOAD COMPLETE OFFER OVERVIEW (PDF)

*The overview does not contain several of the most expensive banks (such as Alior Bank), which were disqualified in our analysis due to very high initial costs (commissions/insurances) payable upon launch.

We have identified key categories that determine the cost of money for the client:

1. Professional Groups

Segment leader and market exception: VeloBank

This is the absolute leader offering preferential conditions for strictly defined professionals.

⚠️ IMPORTANT RESTRICTION: The VeloBank offer for Professional Groups allows exclusively persons holding POLISH CITIZENSHIP.

Detailed list of eligible professions:

🩺 Medical Sector
  • Doctors of all specializations, Veterinarians, Dentists
  • Psychologists, Nurses, Midwives
  • Pharmacists, Laboratory Diagnosticians, Physiotherapists, Paramedics
💻 IT Sector
  • Programmers, Database Administrators (DBA), System Administrators
  • Software Testers, IT Security Specialists, Graphic Designers
  • Network or Software Engineers, System Analysts, Data Analysts
  • System Architects, UX/UI Designers, Game Developers, Webmasters
  • SEO Specialists, Cloud Engineers, IT Project Managers, IT Business Analysts
⚖️ Legal Sector
  • Legal Counsels, Advocates, Judges, Prosecutors
📊 Accounting and Financial Sector
  • Accountants, Tax Advisors, Statutory Auditors, Notaries, Bank Employees
🏛️ Other Professions of Public Trust
  • Sworn Translators, Architects

Full details and profession codes can be found in the attached overview for download.

2. Green Offers (Green Mortgages)

Qualification criterion: Technical parameters of the real estate (EP Indicator). Here, the “currency” is the energy efficiency of the building confirmed by the Energy Performance Certificate.

Technical requirements:

  • VeloBank / BNP Paribas / Millennium / ING: The “Green Mortgage” offer in these banks usually requires that the EP indicator does not exceed the threshold of 58 kWh/(m²*year) for a residential unit.
  • mBank: In the “Na stałe u siebie” offer (Edition 2), a certificate valid for min. 60 days is required. For units in new multi-family buildings (after 31.12.2021), the EP indicator cannot exceed 58.5 kWh/(m²*year).

*Precise EP indicator thresholds (taking into account the year of construction) for individual banks have been detailed in the attached PDF with offers.

3. Internal High-Income Clients

Qualification criterion: Financial liquidity (Cash Flow) and existing relationship with the bank. We combine here offers that reward client seniority and high account inflows (from employer remuneration or income calculated in the bank calculator from conducted business activity).

🏦 Santander Bank Polska (Select Internal Client)

Offer for clients possessing regular inflows at Santander for min. 4 months.

  • Required inflows (Single): min. 10,000 PLN net / month.
  • Required inflows (Household): min. 15,000 PLN net / month.

🏦 mBank (Intensive Segment)

Offer for loyal clients of the bank.

  • Intensive Segment: Clients holding an mKonto Intensive account and inflows of min. 10,000 PLN/month.
  • Active Client: A client holding any product at mBank for a minimum of 6 months.

4. Other Promotional Offers

For Clients who do not fit into specific profiles (professional groups, eco, or very high income), the market still offers attractive promotional solutions. In this category, we analyze offers from banks such as ING Bank Śląski, PKO BP, PEKAO SA, or promotional offer variants from Millennium.

Can you afford passivity and overpaying every month?

Did you know that the difference in the installment between an “old” loan and an optimized refinancing offer can be as much as a dozen or so percent per month? By remaining passive, you accept costs that you can avoid.

At Harveo Finance, we do not sell loans – we deliver an individually crafted financial concept “made to measure.” We are a boutique brand.

We do not believe in “off-the-shelf” solutions. Every financial situation requires an individual strategy. Instead of analyzing offers and regulations on your own, entrust this task to experts who play on your team. We will verify your capacity, estimate risks, and design a solution tailored to your ambitions.

LEGAL NOTE AND DISCLAIMER

This material, including all calculations, financial simulations, and offer overviews, is for informational, educational, and illustrative purposes only. It does not constitute a commercial offer within the meaning of Art. 66 § 1 of the Act of April 23, 1964 – Civil Code (Journal of Laws 1964 No. 16, item 93, as amended), nor an investment recommendation within the meaning of the Regulation of the Minister of Finance of October 19, 2005, on information constituting recommendations concerning financial instruments or their issuers.

The presented financial parameters (including installment amounts, interest rates, margins) are based on market data and intermediary simulations as of 01.12.2025 and may change depending on the individual creditworthiness assessment made by the Bank, fluctuations in market interest rates, and internal regulations of financial institutions. Harveo Finance is not responsible for financial decisions made based on the content contained in this material without prior, individual consultation with a credit expert and verification of full credit documentation.