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Doradca kredytowy Kraków Harveo Jacob Adam

Time to cut interest rates

Of your mortgage

⚖️ As a consumer, you have full rights to take benefit of lower interest rates when they occur. And that is happening right now.


📉 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

👩🏼‍💻 Our experts will verify your credit agreement and then structure a customized concept of action.


🔍 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?

Mortgage equity 600 000 PLN

Your interest  8,5 %

Your installment  4 613 PLN

Sum of interest  1 060 853 PLN

Less interest

365 824 PLN

Drop of installment

1 016 PLN

Mortgage equity 600 000 PLN

Your interest  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

Expectations exceeded by far. Harveo’s services are of top quality. Not only was I kept informed throughout the entire process, but Seweryn and Jacob were on top of things, provided detailed clarifications on all of my questions and went for the extra mile. Highly recommend Harveo’s services due to their result-oriented work ethic, professionalism with clients, and expertise in the industry.

-Diego Mendez

I have to admit I wasn’t sure about using a broker. The experience with Harveo team has been really surprising. Jakub and Seweryn were outstanding. On the top of my case, available to any questions and constantly thinking of my best interest.
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

I have to admit I wasn’t sure about using a broker. The experience with Harveo team has been really surprising. Jakub and Seweryn were outstanding. On the top of my case, available to any questions and constantly thinking of my best interest.
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

I had the pleasure of working with Harveo as my mortgage advisor, and I can’t recommend their services enough!

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

Schedule a free consultation

Call us or chat with us. We will immediately assess your situation. You will receive a customized action plan tailored to your situation. All free of charge.
What makes MORTGAGE INTEREST RATES? About Margins, Reference Rates and Economy in Poland
We operate all over Poland, so go ahead and give us a call no matter where you are.

Our professional service

Harveo 11

Flexible contact options

Call us or chat with us. We will immediately assess your situation. You will receive a customized action plan tailored to your situation. All free of charge.

5.0 ⭐️⭐️⭐️⭐️⭐️

TOP 1 among Expats in Poland

Service also 100% in English for Expats

15 years of experience and service

0% for early repayment - right away

Free of charge support from A to Z

Empatyczne i szczere podejście

Weronika Chmiel
Weronika Chmiel
2024-03-02
Bardzo polecam doradców Harveo - trafiłam do nich z polecenia innej klientki i już po pierwszym spotkaniu czułam, że rozmawiam z ekspertami w swojej dziedzinie. Indywidualne podejście, zrozumienie sytuacji, komunikatywność - super! :)
Tom V (TomV)
Tom V (TomV)
2024-02-27
I am blown away by the expertise, patience, communication skills and general professionalism of Harveo. Buying a property can be a complex and stressful process. Their top class agent Seweryn has shown nothing but understanding and outstanding advice. Highly recommended!
Sylwia Wizner
Sylwia Wizner
2024-02-23
Długo szukaliśmy odpowiedniego doradcy kredytowego, ale po pierwszym spotkaniu z Harveo wiedzieliśmy, że to jest to :) wszystko jasno i rzetelnie przedstawione, zastaliśmy już dwukrotnie przeprowadzeni przez wszystkie zawiłe formalności kredytowe, oczywiście z sukcesem. Pani Agnieszka i Pan Jakub byli z nami w kontakcie przez cały czas, a kontaktów z naszej strony było sporo (Pani Agnieszko, dziękujemy za cierpliwość i życzliwość :) otrzymaliśmy również pomocne kontakty w tematach okołokredytowych jak ubezpieczenie, notariusz - wszystkie na najwyższym poziomie profesjonalizmu, podobnie jak Harveo. Do tego atmosfera jak na spotkaniu z dobrymi znajomymi, aż chce się wracać. Serdecznie polecam wszystkim znajomym i nieznajomym ;)
Błażej Wogórka
Błażej Wogórka
2024-02-23
Profesjonalne podejście, pełne zaangażowanie, szybkie i sprawne szukanie rozwiązań. Polecam miły zespół Harveo :)
Dariusz Chudoba
Dariusz Chudoba
2024-02-22
Bardzo rzetelna, uczciwa i w pełni profesjonalna firma. Kompetentna i fachowa obsługa online oraz telefoniczna. Szybko i solidnie załatwione sprawy. Serdecznie polecam.
Artur Sikora
Artur Sikora
2024-02-22
Profesjonaliści. Polecam współpracę z Jakubem
K F
K F
2024-01-20
Bardzo polecam firmę Harveo! Od samego początku cały proces i wszystkie czekające mnie kroki były dokładnie opisane a wszystkie osoby z którymi miałam kontakt były naprawdę bardzo profesjonalne. Miałam przyjemność uzgadniać szczegóły dotyczące kredytu z Panią Karoliną, która jest nie tylko przemiła, ale też posiada ogromną wiedzę i w bardzo przystępny sposób wyjaśniała mi wszelkie zagadnienia dotyczące kredytu, jak i odpowiedziała na wszystkie moje pytania. Dzięki jej pomocy proces, który pierwotnie wydawał mi się bardzo przytłaczający okazał się naprawdę dużo prostszy, a ja wiem, że podjęłam najlepszą dla mnie decyzję! Nie wyobrażam sobie ubiegania się w przyszłości o kolejny kredyt bez współpracy z Harveo.
Klaudia Olszańska
Klaudia Olszańska
2024-01-08
Dzięki współpracy z tą firmą, a szczególnie dzięki Pani Agnieszce już niedługo spełnimy jedno z naszych największych marzeń! 🥹 Dziękujemy bardzo za wszelką pomoc, odpowiedź na każde pytanie i super podejście do klienta 🥰
Катрин Рябова
Катрин Рябова
2023-12-20
Everyone I dealt with was a super friendly and at the same time in a high professional level. It's like you guys actually enjoy what you do. Made a big difference, and I felt like more than just a client. Especially I would like to say Thank you, Seweryn, for helping and navigating us in order to buy a new apartment. He explained and prepared everything in detail. I highly recommend to work with the Harveo team. They are professionals of their domain.
Paweł Skorek
Paweł Skorek
2023-12-19
Bardzo polecamy firmę Harveo! Przed zakupem mieszkania kontaktowaliśmy się z różnymi doradcami kredytowymi, ale dopiero w Harveo znaleźliśmy profesjonalną pomoc. Otrzymane informacje były konkretne i rzeczowe, bez ukrytych kosztów. Już po pierwszym spotkaniu z Panią Agnieszką Sitnik wiedzieliśmy, że to osoba której możemy zaufać! Cały proces wzięcia kredytu i zakupu mieszkania dzięki jej pomocy odbył się szybko i sprawnie. Dużo pracujemy i jesteśmy w ciągłym biegu. Pani Agnieszka bardzo sprawnie kontaktowała się z nami poprzez spotkania online, telefonicznie, WhatsApp. Dzięki Harveo już niedługo wprowadzimy się do naszego mieszkania. Dziękujemy!

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Doradca kredytowy Kraków Harveo Jacob Adam
Creditworthiness assessment
Screenshot 2023-12-14 at 10.25.58