Kraków | Warszawa | Wrocław | Katowice | Gdańsk
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Jacob Adam | Harveo Group

7 Steps in Your Process

Your mortgage roadmap. Below you will find the key milestones we will go through together. Review them carefully to know exactly where you stand.

01

Concept Meeting and Bank Selection

Establishing the action strategy, confirming your creditworthiness, and choosing the optimal financing path. Since you are reading this, you have likely completed this stage already.

02

Document Compilation

Prepare the documentation required for the application registration according to your individual situation. Use our intelligent checklist generator. The final set will be verified by your leading expert.

Checklist Generator →
03

Property Appraisal Order

Upon the instruction of your leading expert, order a property appraisal from our authorized partner. We recommend taking advantage of a package deal including technical property inspection and developer agreement analysis.

Order Appraisal →
04

Insurance Review and Optimization

We review your current insurance policies to maintain the continuity of your private protection. We also prepare a separate policy for the new mortgage (current solutions are usually not accepted by banks). We build a shield for you and your family.

Insurance Options →
05

Bank Account Opening

A necessary step before signing the agreement. By opening a free online account comfortably from home, you save at least an hour of bureaucracy during the final visit to the bank branch.

Open Account Online → 💡 Use our referral link – we'll be grateful for a virtual coffee!
06

Decision Review and Agreement Signing

We discuss the final credit decision. Your leading expert carefully analyzes the draft agreement with you. Once everything is clear, we schedule a convenient date for the final signature at the bank branch.

07

Disbursement Sequence

The method of funds disbursement depends on your transaction type. Below are the official logistical paths for each market:

Primary Market (Purchase from Developer)
Credit Decision Signing Agreement at the Bank Funds Disbursement Notarial Deed (Transfer of Ownership)
Secondary Market (Purchase from Private Owner)
Credit Decision Signing Agreement at the Bank Notarial Deed Disbursement (Payment after Deed)
House Construction (Tranche Payout)
Credit Decision Signing Agreement at the Bank 1st Tranche Payout Settlement and Subsequent Tranches
Mortgage Refinancing (Changing Banks)
Credit Decision Signing Agreement at the Bank Mortgage Entry Application Disbursement (Repaying Old Bank)