Jacob Adam

09/12/2025

A complete, data-driven guide for expats in Poland 🇵🇱🌍 covering all the latest refinancing updates after the recent RPP decision.

Inside, you’ll find a fully detailed breakdown of:

💡 practical steps to check your savings potential — monthly instalments can now drop by up to 30% ❗️🤯, delivering substantial savings.

📉 new fixed-rate opportunities from 5.53%
📑 updated bank rules and restrictions
🛂 residency & citizenship requirements that now determine eligibility

Please share it with your friends 🤝 so more expats can stay informed and take advantage of the new opportunities now emerging on the Polish mortgage market.

Mortgage Loan Refinancing Ranking December 2025. Fixed rate drops to 5.53%! See the best offers, check the profitability of refinancing, and download the PDF report.

05/12/2025

The December Mortgage Ranking for Expats is live, and the news is genuinely good! 🥳

📉 We are finally seeing fixed rates drop significantly, starting from 5.48% on EKO offers. This creates an opportunity not just for new buyers, but especially for those who signed their mortgages recently: you can now look into refinancing to lower your monthly payments.

To make this practical, I’ve included our new custom calculator inside.

🧮 No guessing—just plug in your numbers to see exactly how much you could save in your specific case.

I’ll keep monitoring the market and updating you here as promised. Any questions on the math or the offers?

💡 Let me know in the comments if you have specific questions about the refinancing process in Poland, happy to share what I know.

Mortgage Loan Ranking December 2025. Fixed rate drops to 5.48%! See the best offers, check the profitability of refinancing, and download the PDF report.

10/10/2025

🇵🇱 Big mortgage shift in Poland — a short brief for Expats. Finally some good news for borrowers! 📉✨
🏡 If you’re paying or planning a mortgage here, this one’s worth reading. 🙌

📊 Many of you have been waiting since 2022 for a moment like this — and it finally looks like it’s here.
As always, you can count on me if you have questions — happy to share insights or explain how these trends may affect your situation. 💬🤝

After months of high costs, things are finally moving the right way. 📉
Following the latest decision by the Polish Monetary Policy Council (RPP), we can clearly see WIBOR rates trending down:
• 1M ➜ 4.72%
• 3M ➜ 4.53%
• 6M ➜ 4.46%

This is a natural market reaction to lower interest rates — and a strong signal that banks may soon update their fixed-rate offers.
If the trend holds, by the end of October 2025 we could finally see 5,X% “a five in front” on fixed-rate mortgages — the first time since 2022! 🙌

💬 Global context:
Meanwhile, the world economy looks tense — 💵 the dollar to PLN seems strengthening, 🪙 gold just broke $4,000/oz, and rising commodity prices could keep inflationary pressure alive.
According to classical models (Mundell–Fleming, Balassa–Samuelson), that mix often pushes import prices higher, and let’s not forget about expensive energy costs — a reminder that this calm might not last forever. ⏳

🧮🔥 You also with many requests motivated me to create especially for Expats (all in English) own custom calculator from scratch, showing refinancing and calculations in a super simple way:
• how much you save monthly,
• after how many weeks a refinance pays off in your particular case,
• and what’s effectively the difference looks like for your loan amount.

👉 https://harveofinance.com/refinancing-calculator/

Have a great weekend,
Jacob 😊🤝

If there’s anything you’d like to understand better about how things work in Poland — whether it’s mortgages, property law, or finance in general — drop me a note, I’m happy to help. 🙌

⚖️ You have the right to a lower rate When the market offers a better rate, you can take advantage of it — and right now, that’s the case.

03/09/2025

📉 The Monetary Policy Council has just cut interest rates

This is a great opportunity to check how you can lower your mortgage payment.
💡 I offer a free consultation to show you how to reduce the cost of your financing.

Reach out to schedule your free consultation with me 😊
📆👉 https://harveofinance.com/eng/

The article 🗞️
https://www.bankier.pl/wiadomosc/Rada-Polityki-Pienieznej-obniza-stopy-procentowe-we-wrzesniu-2025-9002782.html

For Expats in Poland. 16 years of mortgage experience. Personalised approach. Full transparency. 0% commission. 26 banks. We guarantee minimal paperwork and comprehensive support – from educational meetings to property purchase finalisation and after-sales care. 100% English service available. Mor...

03/09/2025

📉 Rada Polityki Pieniężnej właśnie obniżyła stopy procentowe

To świetny moment, aby sprawdzić, jak możesz obniżyć ratę swojego kredytu hipotecznego.
💡 Oferuję bezpłatną konsultację, podczas której pokażę Ci, jak zmniejszyć koszty Twojego finansowania.

Napisz do mnie, aby umówić się na konsultacje 😊
📆👉 https://harveofinance.com

Artykuł 🗞️
https://www.bankier.pl/wiadomosc/Rada-Polityki-Pienieznej-obniza-stopy-procentowe-we-wrzesniu-2025-9002782.html

16-lat doświadczenia w hipotekach. Indywidualne podejście. Pełna transparentność. 0% prowizji. 26 banków. Gwarantujemy minimum formalności oraz kompleksowe wsparcie – od spotkań edukacyjnych po finalizację zakupu nieruchomości i opiekę posprzedażową. Obsługa również w 100% po angie...

07/05/2025

📉 Polish Monetary Policy Council (RPP) slashes interest rates – time to cut your mortgage payments! 🏠💸

🚨 Big news: the Monetary Policy Council (RPP) has made a surprise decision – interest rates have been sharply reduced after a long period of stability!
💥 This could mean lower monthly payments for you – but only if you take action now (when you're on fixed rate).

💬 Message me if you want to:
✅ 🔻lower your monthly mortgage rate
✅ refinance your loan with better conditions
✅ get free expert advice tailored to your financial goals

More info and contact:
https://harveofinance.com/eng/

📲 DM me or drop a 💬 in the comments – I’ll get back to you personally!
⏳ Opportunities like this don’t come often – let’s make it work for you.

22/04/2025

Hi 😊Fresh Mortgage Update for Expats in Poland.
Top offers now at 6.0–6.1% — with potential savings of over 1,500 PLN / month📉✂️

(Full comparison in PDF attached in the article)

Some banks have just introduced noticeably lower fixed rates — if you’re thinking about refinancing or applying for a mortgage soon, this might be a good moment to take a closer look.

📌 Stay tuned — I’ll be posting more updates soon, especially with the upcoming Monetary Policy Council meeting. A potential cut in the reference rate could lead to further drops in WIBOR… and more savings for borrowers.

Good news travels fast — and this weeks brings a fresh wind!Polish banks have shaved another notch off their 5‑year fixed mortgages, with BNP Paribas now quoting 6.00 % on its “Green Mortgage – Spring 2025” promo. If I good remember, that’s the first time we’ve seen a round 6.0 % since...

09/04/2025

Good Morning everyone!
I’ve put together a quick, practical article for you on the latest mortgage rate drops — tailored both for those who already have a loan and those preparing to get one. It's all in English.
Hope it brings some clarity and saves you again a lot of money. Happy reading! 😊

Hey there! It’s been a while since my last update, but I’ve got fantastic news to share this week: several banks have rolled out brand-new mortgage offers that could mean lower monthly payments and better terms for you. Why the silence until now? Well, for the past few months, rates were stuck o...

08/01/2025

🎉 Happy New Year 2025! 🥂🍾☺️
We’re kicking off the year with some topic ideas we think might help you navigate mortgages and buying property in Poland. 🏡

Here’s what we’ve come up with so far:

1️⃣ Paying Too Much on Your Mortgage? Learn How to Lower Your Monthly Payments
2️⃣ Challenges Expats Face When Applying for a Mortgage in Poland
3️⃣ The 0% Government Mortgage Program: Postponed Again or Gone for Good? What Now?
4️⃣ How to Get a Mortgage in Poland – Tips to Improve Your Chances
5️⃣ Buying a Home in Poland – What Expats Need to Know

💬 Which of these topics is most helpful for you? Or is there something else you’d like us to cover? Drop your thoughts below!

For Expats in Poland. 16 years of mortgage experience. Personalised approach. Full transparency. 0% commission. 26 banks. We guarantee minimal paperwork and comprehensive support – from educational meetings to property purchase finalisation and after-sales care. 100% English service available. Mor...

12/08/2024

New from today! 📉🏠
I have great news for you this morning! 😊The time has finally come to move your mortgage to a cheaper bank. Mortgage interest rate have dropped to 6.73% at one of the banks! 🎉

This is the first time in six months that we can see 6 in front in already several favorable bank offers!

What is important
✅ You don't have to wait a full 5 years for your current high fixed interest rate to end, refinancing is available at any time!
✅ 0% for change of bank and early repayment in the new one from day 1
✅ Our service is completely free of charge for you

Starting today, you can take advantage of this super opportunity for both new mortgages and refinancing existing ones. 📅

Why it's worth it.
💰 Lower monthly installments - more money stays in your wallet.
📈 Financial benefits - you save on interest over the life of the loan.

Don't miss out on this! Contact us and learn more about the new loan terms.

📅 Make an appointment for a free consultation today!
📞 +48 12 352 12 12
💻 https://harveofinance.com/optimise-mortgage/

Cheers! 😊