I’ll find the right bank, calculate your borrowing capacity and help you buy your own home. And the bank pays for my work, not you — so my services are completely free for you.
I work with all the leading banks in Poland
What comes to mind when you hear the word “mortgage”?
What if I told you it’s a privilege?
Where else can you buy something big and valuable with only part of the money in hand? And from day one you live in a home of your own instead of paying someone else’s rent. And property in Poland keeps getting more expensive year after year.
Every instalment isn’t money thrown away — it’s a piece of your own property. It’s a tool that makes you a homeowner much sooner than saving up for a lifetime.
I bought my first flat with a mortgage back in 2017. Since then I’ve had three mortgages and gone through refinancing. So I know this not from a textbook, but from my own experience.
Licensed mortgage expert at Domio Estate. I’ve already helped dozens of Ukrainians get a mortgage — and I want you to be next.
More people than you think. The bank looks at three things — and we’ll go through each of them at a free consultation.
The stronger your residence status, the more banks are open to you.
It’s not just how much you earn, but on what basis.
The last instalment must be paid before you turn 75.
At a free consultation we’ll go through your residence status, income and age — and I’ll tell you where to apply.
An estimate of your borrowing capacity based on Polish banks’ rules. Takes 1 minute.
Estimated loan amount
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I’ll check your situation with several banks for free and tell you the real amount.
Book a consultationThis is an estimate and not a loan offer. It reflects current interest rates and KNF requirements, but each bank has its own methodology, so the actual amount may differ. Banks usually require foreigners to hold a residence card (karta pobytu).
On the secondary market or a new build from a developer.
A turnkey house or one from a private owner.
Land for building your own home in the future.
Construction financing from scratch, paid in tranches by stage of work.
Funds to renovate your flat to your taste.
Moving your existing loan to better terms and a lower instalment.
I compare offers from all banks in Poland and choose the one that gives you the highest amount and the best terms — not just the one where your salary goes.
I know how each bank calculates income, so you get the maximum borrowing capacity — especially with JDG, B2B and ryczałt.
Interest rate, monthly instalment and all costs — insurance, valuation, notary, fees. No surprises.
We prepare your documents so the bank sees you at your best, and apply to several banks at once.
No running around banks or hunting for information in chats. I handle all communication with the banks.
I guide you from the first number to signing the contract, then help with overpayments and refinancing.
I calculate how much different banks will realistically lend you, and we pick the best options. Free of charge.
Knowing your amount, you can search calmly — without the risk of falling for a flat you can’t afford.
You reserve the chosen flat so it isn’t sold to someone else while the loan is being arranged.
We gather the documents and apply to several banks at once, so you have a choice.
The bank checks your income and credit history and confirms how much it’s ready to lend.
A valuer appointed by the bank inspects the flat and confirms its value.
The bank gives final approval and prepares the contract. We review it carefully together.
You sign the loan agreement and the notarial deed, the bank transfers the money to the seller — and you get the keys.
A short guide to the most common mistakes — and how to avoid them.
Download PDF →Real client reviews from messengers, translated from Ukrainian. Names are withheld to respect privacy.
I was told you can’t get a mortgage without a permanent residence card, and I only had a temporary one with a short validity. Jarosław explained right away that this wasn’t a problem and got to work. We applied to two banks — and got a positive decision from both! I’m very happy: everything went calmly, clearly and without unnecessary stress. A great specialist, I recommend him!
Jarosław got us a mortgage with no down payment. Before him we went to two other advisors: one calculated 200k zł, the other 600k. Jarosław calculated 900k zł — and that’s exactly the amount we got. Easy and quick to reach.
I did my mortgage with Jarosław. We applied to two banks; I have a JDG and my income is in USD. I was stressed about whether I’d get a positive decision, but Jarosław explained every step and what would happen next. The decision was positive. Recommended!
Working with Jarosław was very easy. I don’t know much about bank paperwork, but he did everything himself — I only had to collect the documents from his list. He submitted the applications, was always in touch and explained every step. In the end the bank approved everything without any issues. He saved me a lot of time and nerves. If you’re looking for a reliable specialist — go to him!
I recommend Jarosław. We refinanced our mortgage, and he also explained the best way to overpay it.
We took our mortgage through Jarosław. He was always in touch and explained everything in detail. In the end we got a positive decision from the bank. Very happy, recommended!
I refinanced my mortgage with Jarosław. Everything went quickly and smoothly. Very happy, I recommend him!