Time to cut interest rates
Of your mortgage
📉 Currently, you can lower your interest rate by up to 2-3 p.p. as hundreds of our customers.
🪄 There is no magic here, just math, experience and free market principles.
If you have signed a mortgage
🔍 They will then match and discuss with you the most favorable offers presently available, allowing you to save significant funds and optimize your current loan to match today’s better deals and lower interest rates.
💫 Remember, our services are completely free of charge for you!
How refinancing works?
Loan amount 600 000 PLN
Your interest rate 8,5 %
Your installment 4 613 PLN
Sum of interest 1 060 853 PLN
Less of interest
365 824 PLN
Installment reduction
1 016 PLN
Loan amount 600 000 PLN
Your interest rate 6,0 %
Your installment 3 597 PLN
Sum of interest 695 029 PLN
With a high interest rate periodically fixed for 5 years
Move your mortgage loan to a better bank
You don't have to wait the full 5 years!
A lot has changed - check out the current options
0% for change and early repayment
Increasing WIBOR/WIRON variable interest rate
Reduce the margin of your loan
Optimize parameters of your deal
Consider the security of a fixed rate
0% for change and early repayment
Important! According to the KNF’s (Polish Financial Supervision Authority) current recommendation, a fixed-rate home mortgage can be refinanced to another bank only for offers with a periodic fixed interest rate – there is no possibility to switch to a variable interest rate. This can be done before the end of 5 years at the current bank, in fact, even the day after the loan agreement is signed and the funds are disbursed. In other words, you can optimize your interest rate by switching to a cheaper bank at any time, simply by switching to a lower fixed interest rate.
Reviews from our customers
-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
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5.0 ⭐️⭐️⭐️⭐️⭐️
TOP 1 among Expats in Poland
Service also 100% in English for Expats
16 years of experience and service
0% for early repayment - right away
Free of charge support from A to Z
Empatyczne i szczere podejście
Reputation, Quality, Professionalism
As cliché as it sounds, there are probably only a few companies left in the industry that remain boutique and consistent with unique values in the ever-accelerating pursuit of profit. In an era of capitalist marketing seeking to maximize profits at all costs (often at the expense of quality and integrity), we personally believe that we win by operating differently from these “modern” market standards.
We have focused on quality, trust and long-term relationships with our customers – and these are not empty words.
Since the age of 18, I have been unloading my excess energy and curiosity about the world by developing as an entrepreneur. I never focused on the goal, only on the path, and over time the results came, which became a source of funding for numerous passions and sports. I believe that customer relations and Team atmosphere are absolutely paramount. This guarantees a healthy and powerful foundation to grow and scale the business. I do only what I love in life, so I always give 100% of myself, which paradoxically recharges me even more strongly, giving incredible satisfaction and joy.
- Jacob Adam Pajak | Founder & CEO
We are part of the Harveo Group
Professional services in finance, real estate, business consulting and travel.
