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Mortgage loans

Credit type

There are different types of mortgages available on the market – both fixed-rate and variable-rate. A fixed-rate loan gives you a guarantee of an unchanging installment throughout the repayment period. This makes it easier to plan your household budget. However, interest rates may fall during this time, which means that you repay the loan at a higher interest rate.

A variable-rate loan, on the other hand, carries the risk that interest rates and therefore your installments will rise. If interest rates rise, your loan installment can increase by as much as several tens of percent. Therefore, when choosing this type of loan, you need to take into account the possibility of changes in income and expenses.


Credit application procedure

To get a mortgage, you must go through a qualification procedure at the bank. You submit a loan application along with the required documentation (including income certificates, certificate of employment and seniority, real estate documents). The bank analyzes your creditworthiness and credit history in databases (Credit Information Bureau, InfoMonitor Economic Information Bureau). Based on this, it makes a decision on the granting of credit and its amount.


A mortgage is a commitment for many years, often for more than half of one’s life, which is why it is so important to carefully study the banks’ offers and choose the most favorable one. You need to consider not only the interest rate, but also all fees and additional costs, as well as the duration of the contract. Remember that you can still negotiate the terms of the loan before signing the contract. Good luck!

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We invite you to our branches

Our offices are located in class A office buildings in the center of Warsaw, Krakow, Katowice and Gdansk. If you want to bring the kids, they are sure to find activities for themselves. Pool table, rooms with X-box consoles and many other attractions.

We are based on leading-edge technologies

Loan calculator, overpayment calculator, rangking of current offers, daily updates of the knowledge bank with the latest regulations, dedicated customer platform and many other facilities make us focus 100% on serving you professionally, delivering the highest quality at the same time having time for ralation and great atmosphere.

Years of
Banks in

What do you get?

Educational meeting

We start with meetings or video conversations to make sure that you gain all the necessary knowledge and get answers to your questions. Our priority is to make you fully aware of all the offers available on the market, the basic principles of economics, banking mechanisms, your rights and the provisions of the loan agreement.

Creditworthiness assessment

The most important step that determines your further decisions. During the meeting we will calculate your creditworthiness in individual banks, point out risks and potential weak points of the transaction that you may encounter during the loan application process. Thanks to this, being fully aware and prepared, you increase your chances for a positive decision.

Matching the best offer

For each client we develop an individual concept and strategies with a detailed plan and checklist. Let us find for you the most attractive offers and adjust them to your needs, expectations and financial possibilities.

Care from A to Z during the entire process

We support the client by leading “by the hand” step by step through the entire loan process. From the first phone call, meetings and conversations, filling out all the documents, paperwork, all the way to signing the loan agreement in the bank and closing the process completely.  With us you are never left without support and care.

Assistance in completing necessary documents

The average mortgage application for one bank contains dozens of pages of different types of documents, which makes the preparation process very complex and difficult, especially for an inexperienced person. We will help you efficiently collect the necessary documents and we will submit the application for you in any bank of your choice.

All the paperwork in one place

It is convenient and time-saving to submit applications to several selected banks during one meeting in our office. In the chosen bank you will appear only at the signing of the contract, at the very end of the whole process.

Legal assistance and security

Our greatest emphasis is a thorough understanding of the entire loan process and your safety. You will be fully aware and knowledgeable of the real estate terms and loan agreements before making any decision. In addition, we work with legal advisors and notaries so you can seek information or seek their legal advice.

21 banks in the offer

Save time and money by taking advantage of our 14 years of experience. We’ll find and match you with the best financial products available, personalizing the offer to your needs – all in one place over a delicious cup of coffee. We work independently with over 35 banks and financial institutions in total.

Assistance in finding a property

We also help you find your dream property by working with the largest developers and best real estate agencies on the market. In many cases, we also help in negotiating the final price and the terms of the agreement, such as the schedule of payments of subsequent tranches.

We are part of Harveo Group

Worldwide range of operations

We serve Customers Worldwide via video meetings and in offices:

  • Cracow
  • Warsaw
  • Gdansk
  • Katowice
  • Wroclaw