Why is it worth using an expert's help?

Using a mortgage expert is primarily for you – a huge time saver, less stress, and support throughout the entire process. A professional will primarily calculate your creditworthiness, maximize your chances for a loan, complete all documents, and guide you through the entire credit process. Why is it worth using the services of a credit expert? The most important benefits:

1. Free service

Using the knowledge and experience of a credit expert is completely free. In the Polish legal system, the issue of remunerating a credit intermediary (expert) by the bank is regulated primarily by the Act on Mortgage Credit and on Supervision of Mortgage Credit Intermediaries and Agents of March 23, 2017. What does it mean? The expert receives remuneration from the bank after signing the contract, so for the client, their help is free.

2. Knowledge and experience

Due to their knowledge and experience, a credit expert can ensure your peace of mind during the loan granting process. They will explain how the market works, how indices change, and what they depend on. The expert is kept informed of any changes in banks on an ongoing basis. Therefore, nothing will surprise you.

3. Access to many offers in one place

The expert has all offers in one place – you can compare the offers of all banks at one meeting. You can save your time. You don't have to run to each of them separately. They will protect you and, if possible, submit your credit application to more than one bank at the same time.

4. Creditworthiness analysis and completing documents

The credit intermediary will verify your creditworthiness and help prepare all the necessary documents for the bank. They will verify their correctness – thanks to this, you will avoid additional questions from analysts and unnecessary stress. A credit expert will analyze not only your financial situation – they will also verify and check the documentation of the property you want to buy. They will contact your real estate agent / developer or seller – they will obtain and verify the documents needed to verify the property.

5. Credit process

The credit intermediary coordinates the entire credit process. They answer the analyst's questions, but not only! The expert will indicate the deadlines for signing / delivering the necessary documents – so that the whole process is smooth. They will keep an eye on your obligations or deadlines indicated in the signed reservation/developer, commitment, or preliminary agreement!

6. Credit agreement analysis

A credit expert will analyze the credit agreement with you, draw attention to the most important provisions – explain the bank's terms and translate them into simple and easy-to-understand language! They will arrange a credit meeting and will be a support during it!

7. Loan disbursement

They will take care of the necessary documents and make sure the loan is disbursed without any problems.

8. Doesn't disappear after the process is finished

You can always come back to your expert if you have any questions!