What are the benefits of working with me?
Savings on expenses
I secure mortgages and refinancing options with the lowest interest rates.
Time-saving efficiency
No need to visit banks—I handle everything for you.
Impeccable document preparation
I eliminate errors that could lead to rejection.
Tranquillity and confidence
I explain all terms in straightforward, clear language.
In which situations can I be of assistance?
- You want to buy a property but you don't understand mortgages.
- You have already been refused a loan by the bank due to income, employment or other reasons.
- You have several loans and the repayments have become too high.
- You're looking to refinance your loan to secure more favourable terms.
How does it work
I'm taking the time to understand your individual situation.
We're looking for the best option within your budget.
I help gather the necessary documents.
I am managing the process.
I'll see the deal through to the end.
What are the advantages of working with me?
- Competitive ratesI collaborate with a range of banks to source the most competitive mortgage offers tailored to your needs.
- No extra chargesI review contracts and remove any hidden pitfalls.
- Approval is easierI help improve your chances of getting a mortgage.
- Lower paymentsI find refinancing options for loans if the overpayment is too high.
- No red tapeI'll save you time and manage the process from start to finish.
You don't have to pay me anything – the banks cover my fees
Krzysztof Kowalski is a fully qualified and certified credit consultant
Education and development
Education: Finance and Banking, Warsaw School of Economics
Licences and certificates: Certified mortgage specialist, holding a KNF (Polish Financial Supervision Authority) certification.
Work experience: I bring over 7 years of lending expertise and strong relationships with Poland's top banks.
Professional development: Professional development courses in credit risk management and financial consulting.
Licences and certificates: Certified mortgage specialist, holding a KNF (Polish Financial Supervision Authority) certification.
Work experience: I bring over 7 years of lending expertise and strong relationships with Poland's top banks.
Professional development: Professional development courses in credit risk management and financial consulting.
Facts about my work that speak for themselves
170+
I have assisted numerous clients in obtaining mortgages and refinancing solutions with highly competitive terms.
30 000 000
(Zł) The combined value of loans I've successfully arranged for clients at competitive rates.
88%
That's how many mortgage applications I've helped get approved.
50+
Successful refinancings - clients have reduced their monthly payments by an average of 1200 Zł.
15-30%
Average savings achieved through refinancing compared to the original payment.
Here's what my clients have to say about their experience with me
- I work as a programmer, but part of my income comes from freelancing. Because of this, PKO BP refused my mortgage application. Krzysztof helped me find an option with mBank, where they took my freelance income into account. We got a mortgage at 6.2% per year.Krzysztof, aged 34Mortgage of 580,000 Zł approved by mBank
- We took out a mortgage in 2021 at 8.5%. Now, rates have decreased, but the bank refused to change the terms. A loan consultant suggested refinancing with ING at 6.1%, and now our payment is 3200 zł, not 4000.Anna, aged 29Refinancing at ING Bank Śląski
- I had three loans: one for repairs (35,000 PLN), one for a car (50,000 PLN), and one for a holiday (12,000 PLN). I was paying 2,900 PLN per month. A financial advisor helped me consolidate them into one loan at 8%, and now my payment is 1,800 PLN.Martha, aged 42Credit Consolidation at Santander Bank Polska
- As a Belarusian working legally, I wasn't sure which bank would approve my mortgage. A doradca (advisor) found an option with Bank Millennium – they approved 400,000 zł at 6.4%, even though other banks had initially refused me.Dmitry, aged 31Mortgage for a foreigner at Bank Millennium
"How much mortgage can I get?" and other questions
It depends on your income, credit history and the bank's terms. You can calculate the amount during a consultation.
Yes, I'll help you choose a few banks to increase your chances of approval.
It usually takes 3-6 weeks, depending on the bank and the documents required.
Yes, provided you have a residence permit and a stable income.
Different banks have different requirements. I'll help you find one where approval is more likely.
Yes, but the terms depend on the specific case. It's best to discuss the details during a consultation.
Personalized calculation and consultation - free of charge
Save time searching and comparing mortgage options. I'll analyze your situation, find the best mortgage or refinancing rates, and guide you through the process hassle-free.
krzysztof@kowalski.com
+48 662 123 456
Karmelicka 15, 31-133 Kraków, Poland
If you need a website to launch your business or test an idea, the first step is a free consultation. During it, I will analyze your request, answer your questions, and suggest the best options
I'll get in touch to discuss your mortgage or loan refinancing options
Your data will be kept confidential and not shared with any third parties.
I respond within a few hours during working hours.