Before proceeding to the calculator, build your foundation of knowledge.
Below, we have engineered an advanced, proprietary Harveo refinancing calculator that precisely evaluates your cost reduction potential based on your current debt parameters. Before launching the simulator, we strongly recommend reviewing the comprehensive insights and knowledge presented on this page.
Gaining a deep understanding of the legal frameworks, regulatory criteria (KNF), and active market structures will empower you to interpret the numerical metrics optimally, approach variable configuration strategically, and maintain complete control over the architecture of your future financing portfolio.
What Is Mortgage Refinancing?
Essential Insights
It is the simplest method for real financial gain: we transfer your mortgage from your current bank to another offering lower interest rates. We replace your old debt with a much more optimal capital structure. The same objective, the same principal amount, but a significantly lower monthly cost.
This is the average amount by which we reduce your interest costs. A larger portion of your installment works to pay off your principal rather than fueling the bank's margin.
Capital Hibernation (1.8m PLN)
Liam, a CFO from Dublin, was highly exposed to rate hikes on his 1.8m PLN debt portfolio. We took proactive action—locking his liabilities at a 4.1% rate with Citi. Liam seamlessly avoided the sudden surge in interest rates that cost his peers a fortune.
1,800 PLN Monthly Profit
IT and Medical sector professionals. Through total balance sheet restructuring and moving their debt to a lower-margin institution, their monthly payment dropped by a margin that completely finances luxury family vacations annually—funded strictly by capital optimization.
"Harveo guards my portfolio"
Adam does not keep track of macroeconomic news cycles; instead, we initiate the workflow. Within two years, we refinanced his assets 3 times, descending from an initial 8.3% down to 5.49%. Adam authorized each transition with a single signature—we navigated all negotiations.
Mathematical Precision
Tomasz's allocation structure (842k principal) required pure mathematical analytics. After factoring out the property appraisals and transaction processing overhead, his net savings cleared 200,000 PLN. Tomasz hit complete cost break-even within just 2 months.
Kalkulator Refinansowania Pro
Dokonaj precyzyjnej symulacji. Uwzględnij swoje parametry i zobacz realny zysk.
Parametry Kredytu
Koszty Transakcyjne
Kwoty orientacyjne i poglądowe. Ostateczny koszt wyceny uzależniony jest od regulacji danego banku – m.in. czy akceptuje on operat zewnętrzny, czy narzuca wycenę wewnętrzną.
Do całkowitych kosztów refinansu doliczone zostały opłaty sądowe i administracyjne (max 600 PLN). Wynika to z kosztów opłaty skarbowej za wpisanie hipoteki na rzecz nowego banku i wykreślenie starego.
Spłata całkowita obecnego kredytu skutkuje wygaśnięciem powiązanej z nim polisy. Nowy bank będzie wymagał analogicznego zabezpieczenia. Koszty te są zazwyczaj zbliżone – dokładną analizę składek przeprowadzimy na podstawie indywidualnych ofert.
Pozostaje obligatoryjne. Zazwyczaj możesz dokonać cesji obecnej polisy na nowy bank (zachowując ją) lub zdecydować się na nową, korzystniejszą ofertę.
Często nasi klienci odzyskują od kilkunastu do kilkudziesięciu tysięcy PLN tytułem zwrotu kosztów poniesionych gdy uruchamiali swój obecny kredyt.
Analiza Finansowa
Standards Defining the Pinnacle.Consistently Ranked Among the Absolute Elite.
Zero-Cost Debt Transfer
Your new lender settles the existing liability, and we manage the transition without any service fees. A 0% client commission model is our professional standard.
Total Market Analysis (26 Banks)
We examine every major institution in Poland to secure a lower margin and reduced monthly payment compared to your current exposure.
Native English Service
We specialize in serving the expatriate community. The entire debt transfer process is conducted with Native English proficiency at every stage.
16 Years of Expertise
With over a decade in the market, we identify precisely when refinancing adds value. We provide transparent, data-driven advice after a full cost-benefit analysis.
Effective Capital Savings
Refinancing extends beyond lower payments. A reduced rate ensures a larger portion of your installment amortizes your principal balance, rather than funding bank profits.
Secure Fixed-Rate Transition
To mitigate market volatility, we can transition your mortgage to a fixed-rate offer, ensuring long-term financial predictability and peace of mind.
Active Margin Monitoring
We continuously monitor market fluctuations. Should a more cost-effective opportunity arise, we proactively alert you to further optimize your debt portfolio.
Concierge Time Management
We handle the administrative burden, property valuations, and court filings. Your involvement is limited to signing the superior loan agreement.
Important Legal Disclosure
According to the current regulatory framework of the Polish Financial Supervision Authority (KNF), a residential mortgage with a periodically fixed interest rate can only be refinanced to another institution under periodically fixed interest rate conditions—regulations strictly exclude a direct transition to a variable rate structure.
This optimization process can be executed at any given moment during the lifetime of your current debt agreement—including before the expiration of the first 5 years, and even the day after funds are disbursed by your current bank. This ensures you have full autonomy to optimize your interest rate and transition to safer, lower fixed rates whenever a definitive market advantage surfaces.
Mortgage Refinancing FAQ
Strategic insights and clear answers on optimizing your mortgage portfolio.
What is mortgage refinancing?
When is refinancing worthwhile?
How do I calculate real-world profitability?
Which costs should I include?
Will the bank reassess my creditworthiness?
Do I always need a new appraisal?
Fixed or variable rate after refinancing?
Does shortening the term always pay off?
What about extending the term?
Can I consolidate other debts within the refinance?
How does the ECO (Green Mortgage) offer work?
What about insurance and cross-sell products?
Does early repayment at my current bank involve a fee?
Can process costs be rolled into the new loan?
How do I calculate LTV for a refinance?
Does my credit history (BIK) matter?
Who handles registry entry and discharge?
How do I read the payment-composition bar?
How long does the process take?
Can I change the loan currency?
What if I plan to sell the property soon?
Can I apply to multiple banks simultaneously?
Does refinancing with 'cash-out' make sense?
What is bridge insurance?
How to interpret the 'benefit' in the calculator?
Your Mortgage Sequence Under Absolute Control
Time & Capital Preservation
We pilot the workflow from the introductory brief to the final key handover. We isolate you from operational bureaucracy while maximizing your fundamental financing parameters.
Financing Structuring
We source architectural structures that scale down ancillary liability costs and optimize down payment thresholds based on absolute empirical math model arrays.
Long-Term Partnership
Our turnkey Wealth Management architecture guarantees active surveillance over your debt structures throughout the allocation life cycle, including future high-yield refinancing actions.
Strategic Capacity
We map your dynamic ceiling thresholds, factoring in the regulatory parameters of B2B allocations and lump-sum taxation structures.
Process Management
We absorb all transactional friction across corporate banks and developers, driving negotiations and isolating milestone risks.
Due Diligence Audit
We perform rigorous legal status analytics across land books and real estate title registries prior to institutional underwriting.
Oversight & Refinancing
We monitor post-close macroeconomic interest rate cycles to actively trigger margin reduction steps down the line.