+48 12 352 12 12 info@harveo.pl Imperial Business Center, Wadowicka 7 Kraków Pon. - Pt. 9:00 - 20:00

Get a mortgage even in 8 days. 0% commission.

13
Years of
Experience
5531
Served
Customers
6987
Granted
Mortgages
21
Banks
In offer

How do we work?

We are a boutique company 100% driven by passion and highly focused on quality, trust and long-term relationship with our clients, thanks to which we currently work practically only on recommendations of premium market. We have been operating since 2010 being honored of helping over five thousand clients worldwide. Thanks to this experience we perfectly know and understand the situation of a person facing the decision of applying a mortgage or a person building a portfolio of investment properties.
Being  aware of how intricate, complicated and multi-stage process is, we make enormous effort to ensure that every single thing related to it is clear and completely transparent for you on the whole way. We provide comprehensive service, help and support at every stage of the process, as well as negotiate loan terms with banks, which guarantees the satisfaction of every person who comes to us. Our mission is to help people and introduce new standards in the financial market by providing the highest quality of service and a cooperation model based on trust and great relationship with the client.
We are distinguished by empathy, morality and an ethical approach – which results directly from our characters and internal beliefs. We do business because of passion for finance, numbers and relationships with clients. The satisfaction which our customer satisfaction gives us – is priceless.

We also serve our clients through a video meeting, during which we carry out the full process of applying for a mortgage.

Harveo Team

Everything you need to know about a mortgage

What do you get?

Educational meeting

We start with meetings or video calls to make sure that you get all the necessary knowledge and get answers to bothering questions. Our priority is the customer’s full awareness of all available offers on the market, the basic principles of the economy, banking mechanisms, their rights and the provisions of the loan agreement.

Creditworthiness assessment

The most important step that determines your further decisions. During the meeting, we will calculate the creditworthiness of individual banks, indicate the risks and potential weaknesses of the transaction that you may encounter during the loan application process. Thanks to this, being fully aware and prepared, you increase your chances of a positive decision.

Matching the best offer

For each client, we develop an individual concept and action strategies with a detailed plan and checklist. Let us find the most attractive offers for you and adapt them to your needs, expectations and financial possibilities.

Expert assistance ``from A to Z`` throughout the entire process

We support the client by leading “by hand” step by step through the entire loan process. From the first phone call, meetings and conversations, completing all documents, formalities, up to signing the loan agreement with the bank and complete closure of the process. You never stay with us without support and care.

Assistance in completing the necessary documents

The average mortgage application for one bank contains several dozen pages of various types of documents, which makes the preparation process very complex and difficult, especially for an inexperienced person. We will help you efficiently collect the necessary documents and we will submit an application for you to any selected bank.

All formalities in one place

It is convenient and time-saving to submit applications to several selected banks during one meeting in our office. You will appear in the selected bank only after signing the contract, at the same end of the entire process.

legal assistance and safety

We place the greatest emphasis on a thorough understanding of the entire loan process and your safety. Before making any decision, you will be fully aware and familiar with the property conditions and loan agreements. In addition, we work with legal advisers and notaries, so you can get information or take advantage of their legal advice.

21 banks on offer

Save time and money by taking advantage of our 10 years of experience. We will find and match the best available financial products for you, personalizing the offer according to your needs – and all this in one place, while enjoying delicious coffee. We work independently with a total of over 35 banks and financial institutions.

Help in finding real estate

We also help in finding your dream properties, cooperating with the largest developers and the best real estate agencies on the market. In many cases, we also help in negotiating the final price and terms of the contract, e.g. the schedule of payment of subsequent installments.

Trust and long-term relationship

We guide you “from A to Z” through the entire process of obtaining financing in the bank, always standing by your side and representing your interests. You are never left unattended. From explaining banking law issues, through the basics of economics, complex regulations, laws and recommendations of the Polish Financial Supervision Authority to completing documents, registering loan applications, cooperation with notaries, property appraisers and sworn translators. At every stage, we protect you and answer every question so that you feel safe and confident during each subsequent step. We value the relationship and the trust we place in us, always putting each client as our highest priority.

  • Clients from recommendation
  • Clients from developers
  • Clients from real estate agencies
  • Clients from Google, Facebook & Linkedin
Harveo Mortgage loan mortgage advisor broker Poland

Independence

We represent you, not the bank. Harveo is based on unique values, – passion, empathy and ambition to provide a new quality of service to the market, including through comprehensive English-language service for foreigners in Poland. The customer is always our priority, not a short-term profit. That is why we can be proud that over 11 years we have created a company with an excellent reputation and thousands of satisfied customers recommending us.

The highest quality of service

Our branches are located in the newest office buildings so that you can feel special and comfortable at every stage of cooperation. Knowledge, professionalism, great atmosphere and delicious coffee. Service quality and customer satisfaction always come first

Harveo Mortgage loan mortgage advisor broker Poland
Harveo Mortgage loan mortgage advisor broker Poland

No commission fee for service

Our service is completely free for you – despite the fact that we are rewarded by banks, your offer is the same or even cheaper than that available online or directly at the bank. This applies to both mortgage loans and leasing.

Security of cooperation

Nowadays, it is extremely important to use the services of only verified and trustworthy entities. Harveo is entered in the KNF register under the number RPH001108 and has a civil liability insurance policy number COR100030.

Harveo Mortgage loan mortgage advisor broker Poland
Harveo Mortgage loan mortgage advisor broker Poland

Real after-sales care

After completing the entire loan process, we will inform you if a new, more advantageous offer, lower margin or more convenient solution appears on the market. In addition, throughout the entire loan period, you can contact us for help or answers to bothering questions.

Operation range

Stationary in one of our offices:
  • Cracow
  • Warsaw
  • Gdansk
  • Katowice
  • Wroclaw
We serve clients worldwide via encrypted calls & video meetings as well.

Harveo Mortgage loan mortgage advisor broker Poland

Customer’s reviews

Google Review

Lukasz Nowicki
Lukasz Nowicki
20:03 14 Jun 21
Professional and attentive to customer needs. They know very well bank procedures which was key in getting the positive... decision. Always available and helpful - there was always someone to help with any questionsread more
Jennifer Bohan
Jennifer Bohan
11:49 13 Jun 21
We have cooperated in a few real estate transactions.Everything went smoothly and professional.I can highly recommend.
Ani Syed
Ani Syed
10:42 08 Jun 21
Thank you Jakub very professional and knowledgeable guy I will be using him for my mortgage services in the very near... future. He was able to tell me which option is suitable for me and I am very confident in his services and highly recommend him to all expats.read more
Alex Bãcica
Alex Bãcica
09:15 25 Mar 21
Jakub helped me to go through the whole mortgage process with minimum effort from my side. He gave me the best options... available to choose from, walked me through the whole process making sure everything is well understood. Very responsive and flexible when it comes to scheduling meetings and very professional. Overall a great experience when it comes to this kind of transactions. Highly recommended!read more
Katarzyna Milenkiewicz
Katarzyna Milenkiewicz
16:51 15 Mar 21
My friend recommended me Harveo services and I couldn’t find better place for financial advice. In my case we were... dealing with a flat purchase financing, but from that time I had many other things to discuss with Mr Jakub. Always prepare and always there to help. 5 well deserves stars!read more
Olesea Mereuta
Olesea Mereuta
20:49 11 Mar 21
The owners will give you a masterclass on mortgages in Poland 🙂 Very professional, knowledgeable and responsive, they... will help you get the best available deal on the market. Highly recommended.read more
miltos saratzidis
miltos saratzidis
12:00 01 Mar 21
This was one of my best experiences of service in my life, I had an amazing first call with Jacob Pajak Adam explaining... to me the process specifically for my situation.I was particularly impressed that they were able to make a special plan for me as a foreigner in order to achieve my long-term financial goals.After this phone call, Jacob spent multiple hours helping me personally in their office, I am already in the first phase of getting my mortgage and I am really excited aboutread more
Dimitris s
Dimitris s
11:51 01 Mar 21
Excellent service, very knowledgeable and to the point.Quick answers, and great understanding for the needs of an... individual from outside Poland.Recommend it 100%.read more
Jakub Freisler
Jakub Freisler
23:00 21 Feb 21
Dr Jakub Ossowski makes the whole credit process look like the easiest thing in the world! I can definitely recommend... him and the whole Harveo as the most professional and down-to-client team I had a chance to work with.read more
Michael Rubenfeld
Michael Rubenfeld
08:32 20 Feb 21
Jacob goes above and beyond for his clients and consistently maintains a positive attitude and makes you feel like... everything is possible. I can’t recommend him and Harveo enough.read more
dogan y
dogan y
21:36 28 Dec 20
If you think about getting a mortgage, here is the righ place, Highly recommended! Very professional service and... advices to encourage you + get idea from very beginning to the end with details.Thank you!read more
Reha Krisztián
Reha Krisztián
12:58 16 Dec 20
Best advisors I met!Costumer focused, flexible, always trying to find the best deal for You!They go the extra mile to... succeed.You can deal fully in English.Professional, up to not only Polish, but even every european standards.Highly recommended!read more
Deborah Woodruff
Deborah Woodruff
10:39 16 Dec 20
Very professional and diligent team. They can steer you through the bureaucracy with ease and go out of their way to... provide a tailored service, specific to your needs. Highly recommended and they speak excellent English for those who are like me and haven’t yet mastered Polish!read more
Michael Poblocki
Michael Poblocki
15:00 12 Dec 20
Highly recommend for anyone interested in taking out a mortgage. These gentlemen are professional, responsive, and... highly knowledgeable. All of our questions were answered promptly and in detail, allowing for us to feel confident in our decision. We felt that they had our best interest in mind throughout the whole process.read more
Zs B
Zs B
17:41 26 Sep 20
Professional, up-to-date and friendly. Very informative and useful advices, which you wouldn't get elsewhere. Jakub... Pająk provides a service that is rare to find in English, highly recommended before investments!read more
Max Mukoida
Max Mukoida
15:48 17 Sep 20
Good quality business, had a chance to find a decent apartment in Krakow and arrange mortgage for it. Very responsive... and open for any questions (special thanks to Jakub Pająk), highly recommended for those who wants to deal with professional attitude company.read more
Gergo Reha
Gergo Reha
14:20 10 Sep 20
The guys are professional credit advisors with an amazing personality. I was informed about every small movement and... they rapidly answered for my questions/doubts.Long story short, highly recommend to contact them if you are interesting about the mortgage possibilities!read more
Marta Panuszewska
Marta Panuszewska
11:00 09 Sep 20
I'd definitely recommend this company to anyone looking for help. They made the whole process as pleasant and... stress-free as possible.read more
Rafał Słota
Rafał Słota
14:04 08 Sep 20
Awesome and professional service! Help at any stage with very little involvement from a client required, even though... the case was quite tricky. Amazing communication and help with very broad range of topics.read more
leslie chen
leslie chen
07:32 30 Aug 20
Very professional services and advices, avoided a lot of risks, thank you Mr Jakub Pajak
Valeska C Lacerda Da Rocha
Valeska C Lacerda Da Rocha
15:33 28 Aug 20
Great professional!!! Deserves every success!
deepak pai
deepak pai
10:57 07 Aug 20
Very warm and professional service. I would highly recommend Harveo to anyone looking to manage and plan their finances... efficiently and without any hassles.read more
AGM 1
AGM 1
18:57 05 Aug 20
Good service in english!
Leanid Kresik
Leanid Kresik
20:33 23 Jun 20
Professionally, clearly and efficiently at every stage. Thanks to them, the whole process was easy enough for me, for... which I am very grateful. Service and customer contact are also top notch. Highly recommend them, without any doubts.read more
Peter Rak
Peter Rak
13:51 26 Dec 19
I've had an opportunity to work with Harveo on my quite extraordinary case of bank loan. I have to say that I would... recommend these professionals without any doubt to everyone. They were able to provide answers to each of my questions and their solution-oriented behavior & extensive knowledge led to a successful deal closed on great terms. On top of that, the atmosphere was always very friendly and they were always available whenever I needed to confirm any information. 10/10read more
Yang Su
Yang Su
12:23 04 Dec 19
I’m impressed by their knowledge and professionalism for the financial services, I definitely recommend if you need any... financial help/advices in Krakow, and they speak very good English ???read more
Alberto Martínez Hernández
Alberto Martínez Hernández
18:35 31 Aug 19
Good advisors and good English knowledge. They are really helpful.
Pauline Stefanski
Pauline Stefanski
14:59 31 Aug 19
Great advisors, good English communication, helpful and flexible ! We had several meetings from February to August,... they were always responsive and cared about their clients even once the procedure is finished. I really recommend to go there if you need a mortgage!read more
Nelson Cissoko
Nelson Cissoko
07:28 29 Aug 19
Useful and kind help for your financial needs.Solution focused and dynamic professionals.Polecam!
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