Please note – our consultation and full mortgage advisory service are entirely free of charge and obligation-free. Our remuneration comes directly from the bank that you choose to work with – never from the client.

➡️ The offer you receive through us is exactly the same (or better) than what you’d get by contacting the bank on your own – no hidden costs, inflated margins, or fine print.

This means you benefit not only from convenience and time savings, but also from having a professional partner who represents your interests – not the bank’s.

📌 In line with Polish mortgage law: Act on Mortgage Credit (Journal of Laws 2017, item 819, Art. 17 Sec. 3).

Your first consultation is a strategic onboarding session and usually lasts up to 30 minutes, depending on the complexity of your situation and questions.

We recommend online meetings via Google Meet, allowing us to efficiently support clients across Poland and abroad. If you prefer to meet in person, we’ll schedule the meeting at one of our offices – our headquarters are located at:

📍 Wadowicka 7, Imperial Business Center, Kraków

🟢 You’ll receive a meeting link and reminder via E-mail.

We are fluent in both Polish and English, and all communication, documents, and advisory can be fully handled in your preferred language.

Whether you’re:

a non-Polish resident buying property in Poland,
a bilingual couple,
or working abroad and financing in Poland —
🟡 Please let us know your preferred language when scheduling the meeting, so we can ensure seamless communication from the start.

All information shared with us is treated as strictly confidential and protected under professional secrecy – similar to a lawyer or doctor. We fully comply with GDPR (EU Regulation 2016/679).

➡️ Your data is encrypted, stored securely, and never shared with third parties.

You can trust that your privacy and personal information are safe with us at every stage of the process.

To ensure smooth communication, we’ll create a private WhatsApp group for you, with your assigned Mortgage Expert and our CEO.

Through this direct channel:

You’ll get real-time updates and answers to your questions,
We’ll help track key bank deadlines and loan decisions,
You’ll always have someone on your side – even long after your mortgage is approved.
📲 No call centers, no delays, no bots – just real support.

🛠 We stay with you for the long run – including refinancing and market updates.

We’ve been operating since 2008, combining deep expertise in banking and real estate with a boutique, client-first approach.

Working with us means:

Access to 26 banks – with expert commentary, not just rate sheets,
Full support at every step: from affordability analysis to final notary signature,
Expert insights and guidance that protect your time, money, and long-term goals.
🟩 Our reputation is built on trust, transparency, and results – not promises.

Partnering with us means you get more than just a mortgage.

You’ll also receive exclusive access to:

Checklists, PDF guides, video Q&As and expert tools,
Our private community Jacob & Friends – webinars, live events, networking,
Real-life examples and practical tips from experienced clients.
🎓 Empower your decisions – with clarity and expert knowledge.

To maintain the highest level of service, we reserve the right to decline cooperation in cases where:

The client doesn’t meet formal requirements (e.g. legal stay, insufficient income),
Information provided is false, incomplete, or misleading,
Circumstances prevent us from providing value or proceeding ethically.
🧭 We are here to build trust, safety, and results – not to “sell loans at all costs.” Every client deserves our full attention and professional care – and we take this responsibility seriously.

🛡 Qualification decisions may be made unilaterally, with respect for your privacy and time.

No. It’s a free, no-obligation strategy session – designed to give you clarity and direction. You’re free to pause or cancel at any time.

Not at all. If you’re still searching, we’ll help you prepare wisely and avoid mistakes. If you’ve already found something – we’ll review it in detail.

99% of your questions are already covered in the Harveo Interactive Form (PDF), which you can download further down this page.

Additionally – while not required – it can be helpful to have the following ready:

– income certificate or last 3 payslips,
– annual PIT / KPiR (for sole proprietors),
– property details (if applicable),
– information about any existing financial obligations.
🟡 Not sure if something will be useful? Just keep it handy – we’ll review it together.

Perfect timing – we’ll guide you on how to build your creditworthiness, step by step, based on your current profile and goals.

Yes, and we highly recommend it – especially for joint decisions. We also support bilingual couples (PL/EN).

Of course – just let us know at least 24h in advance. You’ll find a rescheduling link in your email and SMS reminder.