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Time to Lower the Interest Rate

Q: Will the bank reassess my creditworthiness?

Yes. The bank verifies income and stability, credit history, LTV and documentation.

Q: Fixed or variable rate after refinancing?

Fixed gives predictable payments during the fixed period; variable may benefit from falling rates but carries the risk of rising installments. Decide based on horizon, budget and risk tolerance.

Q: Does shortening the term always pay off?

Usually yes — it strongly reduces total interest provided the installment remains affordable.

Q: What about extending the term?

It lowers the installment and improves cash flow, but typically increases total interest.

Q: Can I consolidate other debts within the refinance?

Some banks allow it. The loan amount rises, LTV changes and pricing may change, affecting total cost.

On Your Mortgage

⚖️

You have the right to a lower rate

When the market offers a better rate, you can take advantage of it — and right now, that’s the case.

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Reduce by up to 2–3 p.p.

Just like hundreds of our clients. We’ll show you in numbers how much you can save.

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Free consultation

Banks cover our fee — you pay us nothing.

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No commission, no tricks

From the first call to signing the agreement — no hidden costs.

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We calculate real profitability

We include margin, fees, insurance, and the right to early repayment. We show the break-even point in months.

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Full transparency

We clearly present costs and scenarios. You decide — we support.

Refinancing Savings Mechanism

Comparative analysis for 800,000 PLN capital over a 30-year mortgage – see how optimization transforms your debt structure.

Current Mortgage

🏛️

Capital amount800,000 PLN
Interest rate8.2 %
Monthly installment5,982 PLN
Total interest1,353,455 PLN

0% COMMISSION

Total cost reduction 482,290 PLN

Installment structure gain 1,666 PLN / mo*

This is the real amount by which your debt cost decreases every month. Due to a lower rate, a larger portion of your installment pays off the actual principal instead of feeding the bank's profit. This drastically accelerates your net worth growth.

Wallet gain (Cashflow) 1,340 PLN / mo

New Strategy

⚡

Capital amount800,000 PLN
New interest rate5.7 %
Optimized installment4,642 PLN
Reduced interest871,165 PLN

Kalkulator refinansowania kredytu

Policz ratę i łączne odsetki po refinansowaniu. Uwzględnij operat, prowizje i opłaty – odzyskane prowizje/ubezpieczenia policzymy jako benefit.

Parametry i wyniki

Kwota pozostałego do spłaty kapitału (PLN)

Pozostały okres do spłaty: 25 lat = 300 miesięcy

Twoje aktualne oprocentowanie

Nowe oprocentowanie

EKO – pokaż warunki „zielonych” ofert banków*

Koszty refinansowania i benefit

Prowizja za wcześniejszą spłatę w obecnym banku (PLN)

Operat szacunkowy (wycena)

+/- 500 PLN • kwota orientacyjna – zależy od banku oraz czy akceptuje operat zewnętrzny czy tylko wewnętrzny.

Wpis do KW (opłata sądowa) (PLN)

Opróżnione miejsce hipoteczne (PLN)

PCC (PLN)

Wykreślenie hipoteki (PLN)

Prowizja za uruchomienie w nowym banku (% od kapitału)

Ewentualne odzyskane prowizje i pakiety ubezpieczeń z Twojego banku

Kwota liczona jako benefit – odejmowana od łącznego kosztu nowego rozwiązania.

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Efektywna oszczędność miesięczna (odsetki)

Różnica odsetek w racie

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Obecna suma odsetek

Cały okres

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Spadek raty

Różnica miesięczna

–

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Suma odsetek nowego kredytu

Bez kosztów okołokredytowych

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Różnica w odsetkach

Cały okres

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Różnica sumaryczna

Wszystkie raty + koszty − benefit

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Łączny szacowany koszt refinansowania

Zwrot: — tyg.

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Zwrot kosztów (tygodnie)

Przy obecnych parametrach

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Wysokość raty (aktualna):

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W skład Twojej raty wchodzi:

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Rata kapitałowaRata odsetkowa

Podana wielkość rat nie obejmuje innych ewentualnych opłat (np. ubezpieczenia, prowizje).

Wysokość raty (nowa):

—

W skład Twojej raty wchodzi:

—

Rata kapitałowaRata odsetkowa

Podana wielkość rat nie obejmuje innych ewentualnych opłat (np. ubezpieczenia, prowizje).

Otrzymaj indywidualnie dopasowane zestawienia aktualnie najkorzystniejszych ofert banków

Umów się z nami na krótką i bezpłatną konsultację aby dopasować aktualnie najkorzystniejsze oferty banków, wygenerować szczegółowe zestawienia oraz ułożyć pełną koncepcję. W 20 min bezpłatnie sprawdzimy zdolność, dobierzemy bank, odpowiemy na wydania a w następnych krokach zajmiemy się formalnościami.

Umów bezpłatną konsultację

Harmonogram porównawczy

Założenia: raty równe (annuitet), stałe nominalne oprocentowanie, koszty nie są finansowane w kredycie. Operat: kwoty orientacyjne (500/900 PLN) — zależą od banku i rodzaju operatu (zewn./wewn.).

Check Optimization Potential

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Professional Audit

Our experts will analyze your loan agreement and create an individual strategic concept so that you have full clarity regarding your current financial situation.

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Analysis of 26 Banks

We compare offers from the entire market, pointing out specific paths to lower your interest rate and optimize the costs of your capital.

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Commission-Free Partnership

You receive terms identical to or better than those at the bank. Our compensation is covered by the institution, so you pay us no commission.

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Strategic Review

Loan terms, much like a car, should be checked once a year. We verify whether the market currently offers more cost-effective structures.

Boutique Quality

Expert reputation confirmed by Client trust

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Trust Capital

We build relationships based on discretion and effectiveness. We are the first-choice partner for the most demanding Investors.

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Premium Market Leader

Our reputation is built on recommendations. We operate at the forefront of consultancy in Poland, setting quality standards.

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REFERENCES

What Our Clients Say

CALANDAR

Schedule Your Strategic Session

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☕️ If you prefer a meeting in one of our offices, please indicate this in the booking notes.

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🇺🇸 We provide a full service standard in both Polish and English.

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HARVEO GROUP BRANDS

Exclusive Ecosystem for the Ambitious

Harveo Group Brands

We create a space of strategic support for business leaders and professionals. We provide a multidimensional approach to wealth development and protection – building synergy between personal, business, and investment finances.

Holistic strategy

We base the foundations of financial independence on expert knowledge and precise planning. In a complex regulatory environment, we identify opportunities and actively secure your capital.

Tailor-made Solutions

We construct stable and secure wealth structures. Every strategy is the result of in-depth analysis and close cooperation with renowned experts – in our practice, there is no room for accidental decisions.

Trust and Integrity

Discretion, transparency, and loyalty are the DNA of our business. We build our relationships with you based on mutual respect and the highest standards of professional ethics.

Relationships with Depth

We initiate boutique sea cruises for professionals and entrepreneurs, combining a passion for sailing with high-end networking. It is a space for inspiring dialogues and building authentic bonds – a place where the world of business meets impeccable style.

Yours sincerely,

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Senior Financial & Real Estate Expert

Strategic Financial Intelligence
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Premium Mortgage Financing
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Boutique Sea Cruises
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Security

Fixed-Rate Refinancing

Strategic migration to lower-cost capital structures.

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Cost Optimization

Transferring debt to the institution currently offering the lowest cost of money on the market.

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Early Migration

The law allows for terms to be changed before the end of the fixed period – we verify the feasibility of an exit.

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Comparative Analysis

A comparison of your current offer against 26 banks in search of real net savings.

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Commission-Free Switch

A model where the cost of our operation is covered by the bank, and you gain a lower installment with no commission.

Optimization

Variable-Rate Refinancing

Margin compression and parameter tuning to align with cash flow.

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Margin Compression

We negotiate a reduction in the bank's margin, which directly translates into a lower cost for every installment.

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Parameter Tuning

Adjusting the loan term and insurance to the current financial performance of the company or family.

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Risk Hedging

Implementing a safeguard by switching to a fixed rate at the most profitable moment.

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Process Integrity

We operate without hidden costs – we identify "catches" in new offers before signing.

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Important!

According to the current KNF recommendation, a fixed-rate mortgage loan can only be refinanced to another bank with offers featuring a periodically fixed interest rate – switching to a variable rate is not possible.

This can be done before the 5-year period expires at your current bank — even the day after signing the mortgage agreement and the disbursement of funds. In other words, you can optimize your interest rate at any time by switching to a lower fixed rate at another bank.

FAQ – mortgage refinancing

The most common questions and answers about moving your mortgage to another bank.

What is mortgage refinancing?

Refinancing means moving your existing mortgage to another bank on new terms. The new bank repays your current loan, and you continue repaying the debt at the new institution — usually with a lower margin/interest rate, a different installment, or a different loan term.

When is refinancing worthwhile?

When the new rate is clearly lower, the remaining term is long enough for interest savings to cover switching costs, and when you don’t lose key benefits or you can recreate them at the new bank.

How do I calculate real-world profitability?

Compare the cost of staying (sum of installments at the old rate) with the cost after refinancing (sum of installments at the new rate + refinancing fees − any benefit). The payback indicator in weeks also helps to judge timing.

Which costs should I include?

Typically: appraisal, land & mortgage register entry, mortgage discharge, “vacated mortgage place” (if applicable), PCC (about 19 PLN for a notarial power of attorney), new-bank origination fee (if any), early-repayment fee at the current bank (if any), and recovered fees/insurances (counted as a benefit).

Will the bank reassess my creditworthiness?

Yes. The bank verifies income and its stability, credit history, the property’s LTV, and document completeness.

Do I always need a new appraisal?

Usually yes. Some banks accept external appraisals, others require an internal one. Indicative cost: ~500 PLN (apartment), ~900 PLN (house).

Fixed or variable rate after refinancing?

Fixed gives predictable payments during the fixed period (e.g., 5 years). Variable may benefit from falling rates but carries the risk of rising installments. Choose based on time horizon, budget, and risk tolerance.

Does shortening the term always pay off?

Usually yes — it significantly reduces total interest. The condition is that the installment remains acceptable for your budget.

What about extending the term?

It lowers the monthly installment and improves cash flow, but typically increases total interest. Use the calculator to test the trade-off.

Can I consolidate other debts within the refinance?

Some banks allow it. The loan amount rises, LTV changes, and pricing may change — all affecting the overall cost.

How does the “green” (ECO) offer work?

Preferential pricing for energy-efficient properties meeting EP thresholds. Rate cuts are often around 0.1–0.3 pp, depending on the bank.

What about insurance and add-on products (cross-sell)?

A lower margin may be conditional (account, card, salary inflow, policies). Compare margin benefit vs. product costs — total cost matters.

Does early repayment at the current bank always involve a fee?

It depends on your agreement. With fixed rates, a fee is often charged during the fixed period; with variable rates it usually expires sooner. Check your contract/fee schedule.

Can costs be rolled into the new loan?

Sometimes yes, but then principal and future interest rise — recalc the profitability and LTV before deciding.

How do I calculate LTV for a refinance?

LTV = requested loan amount ÷ property value (from appraisal). Lower LTV typically means better pricing and easier approval.

Does my credit history matter?

Yes. Delinquencies or excessive limits can hinder or make the refinance more expensive. Tidy up your history and limits before applying.

Who handles registry entry/discharge?

Typically the client files motions at court (land register division). A power of attorney speeds things up; some intermediaries can do it on your behalf (paid service).

How do I read the payment-composition bar?

In month one the interest share can be high; over time the principal share grows. The bar reflects month one for the parameters you set.

How long does the process take?

Usually several to a dozen weeks: documents → credit decision → agreement → disbursement and repayment of the old loan → court procedures.

Can I change the loan currency?

In practice it’s a new foreign-currency loan — it requires income in the exposure currency and meeting supervisory requirements. Much more complex than just switching banks.

What if I plan to sell the property soon?

With a short horizon, savings may not cover switching costs in time. Watch the payback indicator.

Can I apply to multiple banks?

Yes — that’s standard. It lets you compare offers and acceptance conditions. Keep documents up to date and limit the number of inquiries (impact on credit score is usually marginal if reasonable).

Does refinancing with cash-out make sense?

It can, if the purpose adds value (e.g., renovation increases value or lowers operating costs) and you keep a reasonable LTV and affordable installment.

What about bridge insurance?

Until the new mortgage is registered, the installment may include an extra premium/higher margin (bridge insurance). After the entry, the cost disappears or the margin returns to standard.

How to interpret the “benefit” in the calculator?

These are amounts you recover from your current bank after repayment (e.g., unused insurance package premiums). In the model we subtract them from the total refinancing cost.