Mortgage loans

Why should you enlist the help of our specialists in obtaining financing for your property purchase?

• We realise that we work in the sphere of our clients’ most sensitive and far-reaching life decisions. The choices they make usually shape their financial and life situation for years to come.
• Ardea Consulting’s specialists ensure the safety of clients by explaining the mortgage rules and outlining the situation of how things work with the loan. For the company, this results in numerous recommendations from satisfied customers, who recommend the company’s services to their friends.
• Ardea Consulting’s operation is geared towards the benefit of clients, not the number of loans granted. With this assumption, the financial success of our company is only possible because it offers only the best products.

We assist our clients in obtaining a mortgage/mortgage loan by offering:

• the cheapest form of credit in Poland;
• the possibility of financing a property (mortgage loan) or any purpose (mortgage loan);
• financing the purchase on the primary or secondary market of a house, a plot of land, a flat, a co-operative housing right, renovation or modernisation of a house/apartment, completion of construction, finishing works;
• low interest rates;
• the longest possible debt repayment period.

We help you choose the best loan offer, tailored to your needs. We focus on the quality of service and recommendations from our satisfied customers. If you want to benefit from our many years of experience – get in touch.

Good to know:

Characteristics of mortgages

• A mortgage loan is a product secured by real estate (house, apartment, building plot). It is the cheapest form of loan in Poland.
• A mortgage loan can be used to finance the purchase of real estate, or it can be used for any purpose (mortgage loan). You can also secure a consolidation loan with a mortgage.
• The only difference between a mortgage and a mortgage loan is the purpose for which the loan proceeds will be used.
• A mortgage can be used to finance the purchase on the primary or secondary market of a house, a plot of land, a flat, a cooperative housing right, the renovation/upgrading of a house or flat, the completion of construction, finishing works.
• The advantage of a mortgage loan over other forms of credit is its low interest rate and long debt repayment period. This is possible by securing the loan with real estate.

Mortgage costs and credit risk

• The costs of a loan are largely a result of the risk that granting it poses to the bank (the second factor is the bank’s margin). Mortgage security shifts the cost of risk from the bank to the client. The price of a mortgage loan depends on how the bank assesses the cost of risk.
• Risk reduction is influenced by:
  • creditworthiness (stable source of income)
  • good collateral (liquid items for sale, e.g. a flat, being easier to sell, is better collateral than a villa)
  • own contribution (LTV ratio; the lower the ratio, the better)
  • policy for the borrower.

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