How does the process of getting a mortgage look like?
Step by step — from the idea of your own place to the keys in your hand! 🗝
🏁 Step 1: Check your creditworthiness
Before you start, you need to know how much you can actually afford — that’s what creditworthiness is all about.
Your creditworthiness isn’t just about your salary. The bank also looks at:
➡ Type of employment
➡ Monthly living expenses
➡ Existing loans, limits, and leases
➡ Number of dependents
As financial experts, we can check your creditworthiness for free before you even start looking for a flat.
That way, you’ll know exactly what budget you can work with when searching for your dream property.
🏠 Step 2: Find the right property
Now it’s time to browse offers and pick the one!
Remember about three important things:
➡ Primary market (developer) = different rules than secondary market (private seller)
➡ Banks require technical and legal documentation
➡ Before signing a reservation or preliminary agreement — consult with us first!
Even before signing any binding documents, we can check the legal status of the property and catch potential issues that might cause problems for banks later.
Choosing your dream property should always go hand in hand with checking its parameters and legal condition.
📄 Step 3: Prepare the documents
Good organization pays off here!
What does the bank verify?
➡ Income (e.g. employment certificates, PIT, ZUS, business tax records)
➡ Bank account history (usually 3–6 months)
➡ Family situation (e.g. marital status, separation agreements)
➡ Property condition (land registry, housing cooperative certificates)
Each bank has slightly different document requirements — we’ll handle that part for you!
Different banks = different checklists.
🏦 Step 4: Submit loan applications
The golden rule — never apply to just one bank.
Each bank has its own credit policy, risk assessment, and criteria.
We usually submit 2–3 applications at once, after comparing:
➡ Interest rate
➡ Fees and commissions
➡ Mandatory insurance
➡ Flexibility of early repayment
We’ll go through the offers together, explain the key differences, and help you choose the best one for you.
This gives you a better chance of getting approved and securing the most favorable offer.
⏳ Step 5: Waiting for the decision
➡ The bank analyzes both your financial situation and the property’s documentation
➡ Waiting time: usually 2–4 weeks
➡ The bank might ask for additional documents — that’s perfectly normal!
➡ Positive decision = we move to the next stage
➡ Negative decision? No worries — we’ll check why and wait for responses from other banks
This is usually the most stressful moment — patience is key here.
✍️ Step 6: Signing the loan agreement
A big day! You’re taking on a long-term commitment, but also making a huge step toward owning your home.
Before signing:
➡ Read all clauses carefully
➡ Pay attention to fees and cost tables
We’ll review the agreement with you in advance and highlight everything important — so your visit to the bank becomes just a formality!
🏡 Step 7: Loan disbursement & property handover
➡ After signing the notarial deed, the bank transfers funds to the seller or developer.
➡ For new developments, funds may be released in stages (tranches) — according to the construction schedule.
➡ Once everything is finalized — you get the keys and start a new chapter of your life! 🎉
Congratulations — you’re a homeowner! 🏠✨
