Kraków | Warszawa | Wrocław | Katowice | Gdańsk
Current offers summary

Mortgage Offers Ranking All the most competitive variants in one place.

Last update 19.07.2026
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Important: The presented comparisons are a market starting point

The PDF reports below contain averaged baseline market variants. We know from experience that the final offer can actually be even cheaper for you. At Harveo Finance, we approach every analysis 100% individually and will let you know immediately if you qualify for additional, preferential bank discounts. The biggest discounts can be obtained for:

  • Internal client status (e.g., documented, regular salary inflows to an account in a given bank for several months).
  • Belonging to selected professional groups (dedicated industry discounts for IT specialists, medical doctors, or lawyers).
  • Choosing an energy-efficient property (Green Mortgages when purchasing or building eco-standard homes).
See details of the discounts at the bottom of the page
Variable Interest Rate PDF Report

Variable Interest Rate

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5-Year Fixed Interest Rate PDF Report

5-Year Fixed Interest Rate

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Special Refinancing Offers PDF Report

Special Refinancing Offers

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To better understand these PDF summaries, we recommend a prior detailed review of the core content and knowledge base of Harveo Finance. If you wish to obtain an individual, tailor-made concept and banking comparison — we invite you for a free consultation.

THE PREPARED COMPARATIVE MATRICES AND GENERATED PDF REPORTS SERVE STRICTLY ILLUSTRATIVE AND INFORMATIONAL PURPOSES. THEY DO NOT CONSTITUTE A COMMERCIAL OFFER UNDER ARTICLE 66 § 1 OF THE CIVIL CODE OR ANY OTHER APPLICABLE LEGAL PROVISIONS. HARVEO FINANCE BEARS NO LIABILITY FOR THE UP-TO-DATENESS, COMPLETENESS, CORRECTNESS, OR ACCURACY OF THE PRESENTED BANK OFFERS. THIS SYSTEM IS THE EXCLUSIVE INTELLECTUAL PROPERTY OF HARVEO FINANCE.

Advanced Financial Simulators

Explore our advanced mortgage calculators to simulate structural debt amortization variations, test decreasing loading structures, or cross-verify real-time LTV limits.

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Ecological Offers (Green Mortgages)

Additional possible discount — Individual assessment
What are they and how do they work?

At Harveo Finance, we treat ecological criteria as an **additional, potential capital benefit**. Since it is a highly niche situation, these conditions are not part of the default baseline comparison. We evaluate each property profile individually for technical compliance.

Strict Banking Criteria:
  • mBank (ECO Loan): Requires an EP indicator max 73.19 kWh/m²*year (secondary market) or max 63 kWh/m²*year for new houses. Missing the deadline means a margin increase of 0.3 p.p.
  • VeloBank (Green Mortgage): EP threshold set to max 58.50 kWh/m²*year for apartments and 63 kWh/m²*year for houses (margin discount 0.2 p.p.).
  • ING Bank Śląski: Requires EP max 62 kWh/m²/year for houses and max 58 kWh/m²/year for residential premises.

Professional Offers & Premium Segments

Income and Asset Criteria:

Institutions reserve the lowest margin grids for specific earning volumes or deposited capital:

  • Erste Bank (Erste Platinum): Documented monthly inflow min. 10,000 PLN net or 15,000 PLN jointly. Alternatively: savings of min. 150,000 PLN.
  • mBank (Intensive Segment): Activated with inflows of min. 10,000 PLN monthly or assets above 100,000 PLN.
  • Bank Pekao S.A. (Premium World): Dedicated for loan amounts above 500k PLN with a steady salary inflow of min. 10,000 PLN.
Critical ING insurance threshold
Sectoral Discounts & Restrictions:
  • ING Bank Śląski (Crucial Capital Rule): If the client's **total credit exposure exceeds 700,000 PLN**, the bank obligatorily charges a much more expensive, extended life insurance variant.
  • VeloBank (For Professionals): Special margin discount of 0.2 p.p. for the IT sector (Developers, DBAs, Cloud), medical, legal, and accounting industries.

Borrower Profile: Internal vs. External Client

Internal Client

A person with a documented, previous account history in the given institution before submitting the application. **This often allows securing about 0.10% direct discount on the market interest rate**.

This principle has a key application in lowering costs at:

  • Erste Bank: Requires having an account for min. 4 months with regular inflows.
  • mBank: Verifies the tenure of an active product (min. 6 months).
  • PKO BP: Requires a current account for min. 6 months with systematic income inflow.
External Client

A new entity for the bank's structures, with no prior deposit or transaction history. Verification of creditworthiness and risk scoring takes place on general terms, without the possibility of automatic relationship discounts.