This is what we do every day:

- calculation of creditworthiness and assistance in matching the best loan offer based on a loan calculator provided directly by banks

- explanation of each of the mortgage parameters, such as the amount of own contribution, early repayment fee, and principles and costs of real estate valuation

- preparation of documents related to the purchase of an apartment, house or plot

- assistance in completing loan applications and required attachments to one or more banks

- conducting the credit process, crowned with the payment of the loan, entry of the mortgage in the land and mortgage register

- analysis of credit decision issued by the bank

- discussion of all paragraphs of the loan agreement

- coordinating real estate purchase transactions with loan disbursement

- mortgage ranking - a list of the best current offers according to specific assumptions

- a choice between variable and fixed interest on a housing loan

- choice between equal and decreasing installments

- analysis whether the "cheapest mortgage" really is the cheapest for the client

- exploring the possibility of refinancing a mortgage taken under the Family Na Swoim or Flat for Youth program

We also help in choosing a property appraiser, notary or insurance company in which the property will be insured.

A mortgage is, in simplified terms, a long-term bank loan secured by real estate. Goals for which a mortgage can be used:

- purchase of ready real estate on the secondary market,

- purchase of ready or built real estate on the primary market,

- purchase or construction of a house,

- property renovation or finishing,

- any purpose (mortgage loan),

- refinancing of costs incurred for housing purposes,

- consolidation of bank liabilities.