Is your mortgage interest rate high?
Above 6.5%, or even 8%?!
Expert will analyze your loan and show how much you can save by transferring the mortgage to another bank. Free of charge.
Check how much I'll saveFree of charge
No obligation
Contact in 4h
Why refinancing with an Expert?
Refinancing is not just a lower installment — it's a decision for years. Better start with talking to someone who counts every scenario.
Concrete calculation
We will show you NUMBERS: how much lower your installment can be, how much you save monthly and over the entire loan period.
Comparison of offers
We check bank offers simultaneously. You choose the best one — or stay in the current bank if it makes sense.
Addendum or transfer?
Sometimes it's better to negotiate with the current bank (addendum). Sometimes move to another. Expert will show what pays off for YOU.
Does refinancing make sense for me?
This page is for you if:
✓
You have a mortgage from 2021–2023
✓
Your interest rate is 6.5%–8%
✓
You still have at least 10 years left to pay
✓
You live in Wrocław or surrounding area
No point reading further if:
×
Your loan is for less than 100,000 PLN (savings will be small)
×
Your interest rate is below 5%
×
You have less than 5 years left until the end of repayment
What does a consultation look like?
You leave your data
Fill out a short form — takes a minute.
Expert calls in 4h
Local Expert from Wrocław. Close and fast.
Analysis of your situation
Expert will analyze current loan conditions and calculate potential savings.
You decide
If the saving makes sense — we act. If not — you know you have a good loan. No pressure.
Check how much you can save
Expert will call back within 4 hours. No obligation.
Top advisors
Your installment can be lower
Check how much you save. Consultation with an Expert is free and non-binding.
Check how much I'll save✓ Free of charge · ✓ No obligation · ✓ Contact in 4h
Frequently Asked Questions
How much does it cost to transfer a loan to another bank?
It all depends on your individual situation and your specific loan. A mortgage expert will help you answer this question during the first consultation.
Will the old bank charge a commission for early repayment?
In most mortgage agreements, after 3 years there is no commission for early repayment. Expert will check your specific agreement and show potential costs.
Addendum or transfer — which is better?
Addendum (renegotiation in current bank) is faster and cheaper, but usually gives smaller savings. Transfer to another bank is more expensive but often more profitable. It all depends on specific numbers — Expert will compare both scenarios for your situation.
How much can be saved on refinancing?
On average, with a loan for 500,000 PLN, the savings are several thousand PLN per year. But it all depends on your individual situation — Expert will show you concrete numbers during consultation.
If I'm rejected in the new bank, will I lose my current loan?
No. Refinancing is a new agreement — until you sign, the old one remains valid. You can resign at any time.
What is the form of consultation?
On-site (at a convenient location) or online — depending on your preference. Most of our Experts support both forms.