How can I help you?
I’ll help you get a mortgage
I help people obtain mortgages (but also cash and business loans). If you want to take out a loan, I can help you pick the best offers and submit applications to selected banks on your behalf. When you work with me, you can be sure that a real specialist who’s on your side is watching over the whole lending process.
I’ll help you with another personal-finance topic
I’m a personal finance expert with life, academic and professional experience. I offer support across many areas of personal finance and can back you up with my knowledge and skills. If you need help or have questions about your finances, get in touch and we’ll see whether I can help you.
I’ll help you get a loan
I have almost 10 years of experience with mortgages. I’ll help you for free and comprehensively — meaning with everything. I’ll secure the best lending terms for you, along with complete honesty and transparency. With me you can feel at ease; whatever you say stays between us. But that’s not all!
What else can you count on when you work with me?
Offers from many banks in one place
I work with most banks in Poland, so I can show you the full range of lending offers. You get access to different options that will be the same as (or better than) those offered directly by the banks. Meeting with me is like visiting a dozen-plus banks at once.
The best lending terms
Unless you’re a Wealth Management client, “negotiating” with a bank usually comes down to the advisor graciously not raising your commission. I know how it works, because I worked in banks. I’ll show you straight away the best possible lending terms you can get. Thanks to my experience and knowledge, I know how to set the loan parameters so that it’s the most advantageous for you.
Your personal mortgage expert
As a mortgage expert, I act in your interest. My goal isn’t only to find the best loan, but also to support you throughout the whole process, from submitting the application to finalising the agreement. You’re my client because it’s you who hires me — it’s your decision whether I get paid by the bank. That’s why I’ll put your interest first.
Flexible meeting hours
I don’t have fixed hours when I have to show up at work. We can arrange a meeting at a time that suits you, even on a Sunday at 3 a.m. if that’s what you need (just an example, but a true one).
Meetings at a convenient place
I can meet you at my office (in Wrocław, at Powstańców Śląskich 123 — right by the roundabout), at your home, in a café or anywhere else you choose and feel comfortable (I’ll travel almost anywhere across Poland). I want the process of getting a loan to be as comfortable as possible for you.
You pay nothing. Free. Zero cost. Really.
My credit-brokerage services are free of charge for you. Banks pay me a commission for loans that go through, so you don’t incur any costs. Where’s the catch? There isn’t one — it’s a business process that benefits everyone. Here’s why credit brokerage is free.
Fill in the loan form, or simply get in touch with me by choosing whichever option suits you
Loan form
Too long a form? If you don’t have time right now, you don’t have to fill in all the details.
Write to me
I’ll help you with your personal finances
I offer a wide range of financial consultations covering different aspects of managing personal finances. Thanks to my knowledge and experience, I’ll help you with planning, saving, investing and many other areas.
Financial planning
I’ll help you build a financial plan that takes your short- and long-term goals into account.
Managing finances
I’ll advise you on how to manage your finances effectively so you can achieve financial stability and security.
Saving
I’ll show you how to save money effectively so you can pursue your dreams and goals.
Investing
I’ll help you understand the basics of investing and advise you on how to put your savings to work to grow your capital (this is not investment advice).
Borrowing
I’ll explain which loans are available, what their terms are and how to choose the best offer for you.
Risk management
I’ll advise you on which insurance is worth having and how to protect your finances against unforeseen situations.
Housing
I’ll help you find the best financial solutions related to buying, renting or renovating a property.
Retirement planning
I’ll advise you on how to plan your financial future so you can secure a comfortable retirement
Succession planning
I’ll explain how to pass on your financial assets in a way that’s consistent with your wishes and the law.
For the time being I don’t charge any fees — I’ll help you as best I can, for free. Of course, if you want to, you can pay me; as a child I was taught the rule “take it when it’s given, run when it’s a beating” 😉
Get in touch and tell me how I can help you
FAQ
Questions about help with loans
My office is in Wrocław, but if you want to work with me, I can come to you. What’s more, I have access to offices in every larger city in Poland — so we can meet in comfortable conditions. You don’t pay anything extra for my travel. I really enjoy travelling, and thanks to you I get to see places I probably wouldn’t otherwise reach, like Łomża, Chojnice or Stalowa Wola.
No, the credit-brokerage service is completely free for you. My remuneration is covered by the banks I work with.
No, you’ll get exactly the same offer as at a bank branch and as with any other credit broker. It often happens that at a bank branch you get an even worse offer, or the advisor convinces you that you “negotiated” better terms while actually giving you the standard ones. This happens because if an advisor raises some of your parameters (adds commission or increases the margin), they get more points towards their sales target. Bank employees aren’t authorised to go beyond standard terms. There’s something called a “margin grid” that defines the minimum margin and minimum commission, and a bank employee can’t go below it. With me you get those minimum rates straight away — so it’s an offer that’s already “negotiated”.
Yes — if I “pushed” a higher commission onto you, I’d earn more. But I’ve never done that, I don’t do it and I won’t. My approach to business is based on the AGILE methodology, which says the client should be at the centre of attention. When you offer the best product, you don’t have to worry about sales volume, because clients will recommend you and come back on their own. Simply because the product is the best. That’s why I want to give you the best service in the world, so you come back to me and recommend me to your loved ones. I won’t risk losing a client for a slightly better rate. Think about it yourself: what’s better — earning 2,000 PLN on one client who won’t return, or earning 1,500 PLN on one client and then another three times 1,500 PLN on other clients that the first one referred to me? In my view, 6,000 (4×1,500) is more than 2,000 PLN.
I offer help in obtaining mortgages, cash loans and business loans. Mortgages are my specialty, but I’ll gladly help you secure a cash loan for any purpose, as well as loans for entrepreneurs.
Above all because with me you can feel at ease. Whatever you say stays between us. I’ll advise you so that things turn out as well as possible for you. On top of that, coming to me is like going to 16 banks at once. If you wanted to apply for a loan on your own, then either A) you have to deal with three people at the same time, each of whom wants to upsell you their own products, you carry documents to three people and generally lose three times as much time, or B) you take a big or even huge risk, because you put everything on one card by applying to a single bank. Working with me, you have an expert on your side, you get a comparison of all the banks on the market, and you work with just one person who handles contact with the three banks themselves.
No. I’ll transparently show you all the offers, we’ll discuss them in detail, and you’ll ultimately decide where we submit the application. It makes no difference to me, because every bank will pay me. And whether it pays 2,000 PLN, 1,700 or 1,400 — that doesn’t matter. I want to give you the best service in the world, so you come back to me and recommend me to your loved ones. I won’t risk losing a client for slightly higher pay. Think about it yourself: what’s better — earning 2,000 PLN on one client who won’t return, or earning 1,500 PLN on one client and then another three times 1,500 PLN on other clients the first one referred? It’s in my interest to look after your interest.
If you want, I’ll show you my offer. I’m a smart guy, so I have plenty of products from many different banks, insurers and others. But I have no intention of playing any cross-sell, x-sell or any other -sell games. If someone tells me they need something, I show them what I have. But I care about only one thing: that you take out a mortgage through me. That’s what pays me the most, and everyone wins. You win, because you get the best offer, you save time (one broker instead of three, one meeting instead of three, and so on) and money (because I give you the cheapest possible straight away). I win, because I earn. I like earning, because then you can buy a book, food, or go somewhere (e.g. by train with my son to another city). And — surprise — the bank wins too, because it turns its fixed costs into variable costs, and so at the same time lowers its business risk. So I won’t push extra products on you. At most I can show them, and graciously sell them to you if you really want. But no pushing.
The same, or better. The point is that an advisor at the bank can offer you worse terms and then let you “negotiate” better ones (which are really just standard). This happens because if an advisor raises some of your parameters (adds commission or increases the margin), they get more points towards their sales target. There’s something called a “margin grid” that defines the minimum margin and minimum commission. With me you get those minimum rates straight away — so it’s an offer that’s already “negotiated”.
The process starts with an initial conversation in which we’ll define your needs and financial possibilities. Then we’ll gather the necessary documents and submit loan applications to several banks at once (2 or 3; one is a risk, and 4 lowers your score in BIK, Poland’s credit information bureau). I’ll guide you through the entire process up to finalising the loan. If that’s your wish, I’ll also come to the signing of the agreement. You can also stay in touch with me afterwards to consult on various matters.
Questions about help with other matters
I offer support in financial planning, budget management, saving, investing, borrowing, risk management (including insurance), housing, retirement planning and succession planning. Bear in mind, however, that I don’t provide investment advisory services, I don’t issue investment recommendations, and I don’t produce legal opinions.
At the moment I offer free financial consultations. My goal is to earn your trust and build a relationship with you. In the future, once I develop a proper financial advisory firm, some services may become paid.
You can arrange a consultation via the contact form on the site, by sending an email, by phone or through WhatsApp. I adapt flexibly to the place and time — everything is open to arrangement.
If you cover my travel, I’ll come. Koleo (the Polish rail-ticket app) says a return ticket (Wrocław–Suwałki) costs 200 PLN. You can always talk over the phone, WhatsApp or do a video call too. I have both a phone and a computer 😉
As Leonard Porter Ayres said, there’s no such thing as a “free lunch”. I offer you the use of my knowledge and experience at no charge for three reasons:
1. Maybe you’ll feel “obliged” and, the moment you find out someone close to you wants to take out a mortgage, you’ll tell them “hey, I know a great expert who’ll help you”. And then I’ll earn.
2. Maybe it’ll turn out that you’ll want to buy some product I have on offer (and I have pretty much everything).
3. In the end, even if I don’t see a single złoty from our cooperation, I’ll get to know another person’s financial situation, I’ll be able to tackle a problem to solve or a goal to reach, and I’ll test my tools. Business testing takes investment, and remember that I’m building a proper financial advisory firm.
Financial consultations let you better understand your financial situation, discover your goals and create a plan to achieve them. Thanks to my knowledge and experience, I’ll help you manage your finances better, which will contribute to improving your financial stability and reaching your intended goals. I can help you pick a bank account suited to your situation, help prepare a retirement plan, teach you to compare deposits, teach you to read the fine print, exercise your financial intelligence and discuss popular books about finance. Clear up any doubts and help you grow your financial awareness.