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What Is an Online Mortgage Expert?

We offer the option to work with an Online Mortgage Expert. This way, you can benefit from professional mortgage support without leaving your home, no matter where you live – we serve clients across all of Poland.

An online consultation is a quick and convenient way to:

– Analyze your creditworthiness,

– Compare bank offers,

– Choose the best mortgage or refinancing mortgage,

– Get help gathering documents,

– Go through the entire mortgage process remotely.

The consultation with an expert can take place by phone, email, or video call – depending on your preference.

The Mortgage Brokr Poland saves you time and provides access to extensive knowledge, regardless of your location. Contact us and schedule a free consultation!

Do I need to visit your offices in Poland personally?

No, our network infrastructure is fully equipped to handle your mortgage meting 100% online . From initial creditworthiness calculations to document gathering and bank pre-approvals, our remote setup supports clients across Silesia, Lesser Poland, Lower Silesia, Greater Poland, and the Masovian Voivodeship without requiring unnecessary travel.

How does a mortgage broker improve my approval chances?

As independent brokers, we act as your direct representatives in the Polish banking system. We deeply analyze your residency status (such as an EU Blue Card or Temporary Residence Card) and match your profile only with banks whose internal credit scoring algorithms align with your situation. This targeted approach significantly simplifies the documentation process and reduces the risk of bank rejection.

Where Can You Meet Our Mortgage Experts?

At the beginning of our operations, we focused on serving clients in the Warsaw area and in Silesia. Over time, thanks to recommendations from satisfied clients and growing demand for professional mortgage assistance, we expanded our services to cover the entire country.

Today, Mortgage Broker Poland effectively supports people from various regions – both large cities and smaller towns – offering comprehensive assistance with mortgages, refinancing, consolidation, and financial advice.

Whether you are looking for a mortgage expert in Warsaw, Krakow, Silesia, or simply need a trusted specialist available online – we are at your service.

Is using a mortgage broker in Poland free for foreigners?

Yes, our services operate under a 0% client commission policy . We are fully compensated directly by the lending institutions after your loan is finalized. This model ensures that you receive transparent, independent guidance across 16+ banks in Poland at absolutely no extra cost to you.

Frequently Asked Questions About Our Broker Network

Emphaty

Empathy

Knowledge

Knowledge
Synergy

Synergy

Our Approach to Mortgage Advisory

 

At MortgagePoland.pl, our work is based on transparency, clear communication and a client-first approach throughout the mortgage process in Poland.

Mortgage Broker Poland helps clients understand their mortgage options, compare offers from Polish banks, and make informed financial decisions with confidence.

Our goal is to provide reliable mortgage advisory services for foreigners, expats and international clients in Poland.

Award-Winning Financial Advisory & Industry Recognition

 

Our track record is backed by multi-year performance awards and professional credentials. Over the past 16+ years, our co-founders and regional specialists have consistently been recognized among the top mortgage professionals in Poland.
These industry awards and official certifications reflect more than just numbers; they represent our unwavering commitment to transparency and our deep bank-negotiating power. For you as an expat, this proven reputation means access to high-level bank decision-makers, streamlined risk assessments, and exceptionally high mortgage approval rates—even for the most complex residency statuses.
certified mortgage broker poland
EFPA certified mortgage advisor
Oferteo avard mortgage broker poland
Award for the Best Mortgage Advisor 2010
mortgage poland financial expert conference

We Work with Top, Often Award-Winning Experts

 

Our team consists of experienced mortgage professionals who have been active in the Polish financial market for many years.

We cooperate with highly qualified specialists in mortgage advisory and refinancing, many of whom have been recognized for their work in the financial industry.

Below you can find selected awards and professional achievements that reflect the quality of our services and long-term experience in the mortgage market.

Meet Our Co-Founders

Sebastian Chrapek - Co-founder of Mortgage Poland and CEO of Focus Finanse

Sebastian Chrapek - Co-founder and mortgage expert

 

Sebastian Chrapek is a highly respected financial expert, CEO of Focus Finanse , and an official partner of ReFinansujemy.com. With over 16 years of hands-on market experience and hundreds of highly recommending clients, Sebastian serves as our network's operational powerhouse.
 
Fully aligned with EFPA standards and under the supervision of the Polish Financial Supervision Authority ( KNF Mortgage Broker Register ), Sebastian brings unparalleled mastery of the internal scoring algorithms used by Polish banks.
 
Securing property financing requires sharp, local, boots-on-the-ground execution. Sebastian’s deep bank-negotiating power and transparent approach ensure maximum approval rates. He specializes in structuring and pitching highly complex loan applications, ensuring that international professionals, self-employed expats, and B2B IT contractors secure the most competitive mortgage terms on the market.

The Expat Advantage: Why Our Network Delivers Better Results

 

While Adrian and Sebastian oversee the strategic framework, quality control, and banking compliance, our platform operates as a coordinated network of top-tier independent specialists across the country.
 
To ensure seamless, face-to-face or online support, our infrastructure directly covers Silesia, Lesser Poland, Lower Silesia, Greater Poland, and the Masovian Voivodeship (including Warsaw, Kraków, Wrocław, and Poznań).
 
This unique network model gives you a distinct advantage:
  • The Highest Quality Seal: Every single case is matched and processed based on strict standards established by European Financial Advisor certifications.
  • Top-Tier Regional Infrastructure: The combined strength of our network of local brokers ensures you get direct, prioritized access to bank decision-makers, significantly speeding up your approval.
  • 100% English-Speaking Local Support: You will never have to worry about language barriers. Your dedicated local expert will guide you through every document, translation, and bank meeting.
  • 0% Client Commission Policy: Our service remains entirely free for you. We are fully compensated directly by the lending institutions, ensuring your financial interests always come first across 20+ banks in Poland.
Adrian Jakobsen - Co-founder of Mortgage Poland and Licensed EFA EFPA Financial Advisor

Adrian Jakobsen – Co-Founder & Licensed Financial Advisor

 

Adrian Jakobsen for over 18 years  has been helping international clients navigate the complex landscape of personal finance, mortgage loans, and real estate acquisition in Poland.
 
As a Licensed Financial Advisor EFA EFPA (License No. 424PL) , he holds one of the most prestigious and tightly regulated financial certifications in Europe. This credential is your guarantee that our network's advisory standards strictly align with the highest international principles of financial planning, ethical conduct, and legal compliance.
 
Buying a home in a foreign country is never just a transaction. It is a major life milestone that impacts your entire future. Our mission goes beyond simply submitting bank applications; we focus deeply on financial wellbeing advisory to ensure that your property investment perfectly integrates with your long-term personal wealth and asset protection strategy.
 

Contact

Your Trusted Mortgage Brokers in Poland

 

Are you looking for an experienced, English-speaking mortgage broker in Poland?  Navigating the Polish property market as a foreigner can be incredibly challenging due to shifting banking requirements, legal regulations, and strict documentation standards.

 
To solve this problem, MortgagePoland.pl was co-founded by two of the most trusted finance professionals in the country – Adrian Jakobsen and Sebastian Chrapek . By combining Adrian’s international advisory standards with Sebastian’s robust regional presence through the FOCUS FINANSE and ReFinansujemy.com groups, they created an elite, independent broker network.
 
Whether you are relocating, buying your first home, or investing in real estate, we combine decades of financial expertise to guide you through the entire mortgage process in a clear, structured way – with 0% client commission .

 

Mortgage Broker Warsaw, Poland

5.0/5.0 Client Rating

20+ cooperating banks

0 PLN broker fees for clients

1000+ clients supported

18+ years of experience

Available across Poland

Trusted Mortgage Broker Poland

 

We support clients across all regions of Poland, providing mortgage assistance with full transparency and no hidden costs.

Meet the Experts Behind MortgagePoland.pl

Mortgage broker in Poland

Copyright © 2026 MortgagePoland.pl, by Arven Group Sp. z o.o. All rights reserved.

With over 18 years of experience in the Polish mortgage market, Mortgage Poland is a family-owned boutique advisory firm helping international clients secure property financing across Warsaw and all major cities in Poland.

We specialize in mortgages for foreigners in Poland, offering clear guidance, full transparency, and professional support in 100% English. As an independent mortgage broker in Poland, we cooperate with more than 30 banks and financial institutions, allowing us to compare multiple solutions and identify the most suitable mortgage for your situation.

Our service comes at 0% client commission, with a strong focus on minimizing paperwork and simplifying the entire process. From your first educational consultation to mortgage approval, property purchase, and post-completion support, we remain by your side at every stage.

Whether you are looking for a mortgage in Poland, a trusted mortgage broker Warsaw, or expert assistance with a mortgage for foreigners Poland, our team combines local expertise with international standards of service to help you achieve your property goals with confidence.

 

Join Our Facebook Group for Mortgages in Poland

 

Stay up to date with the latest news, tips, and opportunities for mortgages in Poland.

Mortgage in Poland clients group

Want to learn more and secure the best mortgage in Poland? MortgagePoland.pl are specialists with over 18 years of experience assisting foreigners in Poland with property purchases and mortgages.  

Thanks to our expertise and know-how, you can be confident that you’re always getting the best bank offer available. Contact us today, and we’ll help you analyze your situation and obtain a mortgage that’s both profitable and advantageous for you.

 

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