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Homebuyer Counseling


Why is it worth using the help of our specialists in financing the purchase of a real estate?

  • We realize that we work in the sphere of the most sensitive and lifetime decisions of our clients. Their choices usually shape their financial and life situation for many years.
  • Ardea Consulting specialists care for the safety of the clients, explaining the principles of the mortgage loan and outlining the situation of everyday life during the loan. We count on recommendations from our happy and satisfied customers recommending the company's services to their friends.
  • Ardea Consulting is focused on the benefits for our customers, not on the number of loans granted.

We help our clients by offering:

  • the cheapest and tailor made form of credit in Poland;
  • the possibility to finance a real estate (mortgage) or other purposes (mortgage loan)
  • financing a house (primary or secondary real estate market), plot, flat, renovation or modernization of a house / flat, completion of a construction;
  • low interest rate;
  • long repayment period.

We help in choosing the best credit offer, tailored to the client's needs. We focus on the quality of service and count on recommendations from our satisfied customers. If you want to take advantage of our many years of experience don’t hesitate and contact us.

What is good to know about mortgage loans:

  • A mortgage is a product secured by real estate (house, flat, building plot), it is also the cheapest form of credit in Poland.
  • By a mortgage it is possible to finance the purchase of a real estate, or you can use it for other purposes (mortgage loan). You can also secure a consolidation loan with a mortgage.
  • The difference between a mortgage and a mortgage loan is only the purpose for which the loan funds will be allocated.
  • The mortgage can help in purchasing: a house (primary or secondary real estate market), plot, flat, renovation / modernization of the house or flat, completion of construction, finishing works.
  • A low interest rate and a long repayment period are the main advantages of a mortgage . It is possible thanks to securing the loan with the real estate.

Mortgage costs and credit risk

  • Credit costs are in a large extent a derivative of the risk it provides for the bank (the second factor is the bank's margin). A mortgage security transfers the cost of the risk, from the bank to the customer. The price of a mortgage depends on how the bank assesses the cost of risk.
  • The risk can be reduced by:
    • creditworthiness (stable source of income)
    • good security (e.g. an apartment, as easier to sell, is a better security than a villa)
    • own contribution (LTV indicator, the lowest is the best)
    • a policy for the borrower
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