Planning a mortgage loan or want to lower the costs of your current debts? I'll find the best solution for you. I work remotely throughout Poland, and arrange in-person meetings mainly in Warsaw, Kielce, Łódź, Kraków, and Gdańsk.
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Hi, I'm Łukasz!
My mission is solving unsolvable problems and optimizing loan and insurance costs for my clients. I help you get the best terms - no stress, no mistakes, no wasting time in bank queues.
For over 10 years I worked in IT - including Allegro Pay, XTB and Evolution. Today I use those skills to analyze loan agreements with surgical precision. I see what banks would rather hide in fine print.
I serve clients remotely throughout Poland. If you prefer a face-to-face meeting - I'm regularly in Warsaw, Kielce and Łódź. The first consultation is free and non-binding.
I offer comprehensive credit support for individual and business clients. My goal is to find optimal solutions and real savings for you.
I'll help you finance the purchase of an apartment or the construction of a house. I assess your creditworthiness, compare bank offers, and guide you step-by-step through the entire process to ensure you get the most favorable terms.
Ask About a Mortgage LoanAre your monthly payments too high? I can transfer your mortgage to another bank to lower your monthly payment, shorten the loan term, or obtain additional funds for any purpose.
Lower Your Payment NowCombine several cash loans, credit cards, and payday loans into one cheaper loan. Get a single, lower payment and organize your personal finances.
Consolidate Your LoansNeed cash for any purpose? I will find the most advantageous loan offer for you with low interest rates and minimal formalities, tailored to your capabilities.
Find a Cheap Cash LoanI support entrepreneurs in obtaining financing for business development. I will help you secure an investment loan, working capital loan, or leasing on the best market terms.
Financing for Your BusinessNot sure about your options or want to optimize your current liabilities? Schedule a free, no-obligation online financial analysis.
Schedule a Free AnalysisWant to increase your chances of getting a loan? I can help you analyze your credit report (BIK), build your creditworthiness, and prepare a complete action plan.
Learn How to PrepareLooking for a property and want to be sure you can afford it? I cooperate with trusted real estate agents, combining the search process with optimal financing.
Search for Property with an ExpertProtect yourself, your family, and your assets. I will help you choose the necessary insurance for your loan: life insurance, job loss insurance, and property insurance.
Ask About InsuranceI ensure the process is transparent and efficient for you. We can handle most matters remotely, saving you time.
We start with a short conversation (phone, video) where I get to know your needs and goals. I'll answer all your questions.
I check your creditworthiness and compare current bank offers, selecting those that best suit your situation.
We discuss the best options. After your decision, I help you complete all necessary documents and submit the loan applications.
I oversee the entire process until the agreement is signed and the loan is disbursed. I am available at every stage.
By choosing to work with me, you gain not only convenience but, above all, real financial benefits and the confidence of making the best decision.
With access to offers from many banks and strong negotiation skills, I find financing with the lowest possible payment. Your savings can amount to tens of thousands of złotys.
You don't have to analyze complicated offers or fill out piles of documents yourself. I'll do it for you, so you can focus on what's most important to you.
You get access to offers from many banks in one place. I represent your interests, not the bank's, which guarantees we'll find a solution perfectly tailored to your needs.
Your financial security and data protection are my priority. I operate legally, transparently and in accordance with the highest industry standards.
I am registered in the credit intermediaries register maintained by the Polish Financial Supervision Authority (KNF). This guarantees that I operate legally and am subject to state supervision.
Sprawdź rejestr KNFI cooperate with NOTUS Finanse S.A. - one of the largest and most reputable financial intermediation companies in Poland. This gives me access to offers from all major banks.
Odwiedź notus.plMy many years of IT experience and passion for cybersecurity translate into the highest standards of data protection. I use encrypted communication, secure document storage and regularly update security procedures.
I process all personal data in accordance with GDPR. You have full control over your data - the right to access, correct and delete at any time.
I always clearly inform about all loan terms, commissions and costs. No hidden fees - my remuneration is covered by the bank, not you.
We send documents through encrypted channels. I never ask for online banking passwords or payment card details - this information is not needed in the loan process.
Answers to questions I hear most often from my clients. If you don't find an answer to your question - contact me!
My services are completely free for you. I receive compensation from the bank that grants you the loan. You don't pay any additional costs - the bank commission is the same as if you went to the bank yourself.
Basic documents include: ID, employment certificate or tax return for the last year (for entrepreneurs), bank statements, and property documents (preliminary agreement, land registry extract). I'll customize the exact list to your situation.
Typically, the process takes 4 to 8 weeks - from application to fund disbursement. Time depends on the bank, document completeness, and transaction complexity. With my experience, I try to minimize this time as much as possible.
Yes! I specialize in helping foreigners obtain loans in Poland. Requirements vary depending on country of origin and residence type (residence card, visa, EU citizenship). Many banks offer loans to foreigners - I'll help choose the best option.
Refinancing means transferring your loan to another bank with better terms. Consider it when: interest rates have dropped, your creditworthiness has improved, or your promotional margin period has ended. I'll check for free if refinancing is worthwhile.
Yes, consolidation allows you to combine multiple obligations (loans, payday loans, credit cards) into one loan with a lower payment. It's often the only way out of a debt spiral. I'll analyze your situation and find a bank that will help organize your finances.
Banks typically require a minimum of 10-20% down payment. Some banks offer loans with 10% down payment with additional insurance. The higher the down payment, the better the margin and lower the rate. I'll help find a solution suited to your capabilities.
Not necessarily. It all depends on the type and age of entries. Minor delays from years ago often aren't an obstacle. Some banks are more flexible than others. I'll check your credit report and advise how to improve your score or find a bank that will accept your profile.
Yes! I specialize in comprehensive support for clients relocating to Poland - from Israel, Western Europe, USA and other countries. I'll help you find a property that matches your needs, guide you through the mortgage process in a Polish bank, and explain all the formalities. The entire process can be done remotely, before you even arrive in Poland.
Have another question? I'd be happy to answer!
Ask a questionI serve clients from all over Poland - remotely via Google Meet, Teams or phone. In selected regions, I also offer personal meetings. No matter where you live - I will help you get the best loan.
Warsaw (office), Radom, Płock, Siedlce, Pruszków, Legionowo, Ostrołęka, Ciechanów, Mińsk Mazowiecki, Wołomin, Piaseczno, Grodzisk Mazowiecki
Kielce, Ostrowiec Świętokrzyski, Starachowice, Skarżysko-Kamienna, Końskie, Busko-Zdrój, Jędrzejów, Sandomierz, Staszów
Łódź, Piotrków Trybunalski, Pabianice, Tomaszów Mazowiecki, Bełchatów, Zgierz, Skierniewice, Radomsko, Kutno, Sieradz
Don't see your city? No problem! I serve clients from anywhere in Poland via video calls and phone. I accept documents electronically - the entire process can be done from home.
I also specialize in helping clients with unique needs - foreigners, military families, and uniformed services.
I specialize in helping expats and immigrants obtain mortgage financing in Poland. Whether you're from Turkey, China, Morocco, Azerbaijan, Africa, Russia, Ukraine, UK, Germany or any other country - I know how to navigate Polish banking system for non-residents. Karta pobytu, work permit, EU citizenship - I've handled them all.
Are you stationed at Camp Kosciuszko (Poznań), Powidz, Drawsko Pomorskie or another USAG Poland site? I understand the unique challenges you face: no on-base housing, high upfront costs, unfamiliar rental market, and tight timelines after PCS orders.
* Polish banks require at least one borrower with income in Poland. If your spouse has Polish employment, mortgage approval is significantly easier.
Free consultation for U.S. military familiesI work with banks offering preferential mortgage terms for uniformed services personnel. Margins as low as 1.5% and 0% commission - real savings of tens of thousands of zlotys.
Have questions? Want to check your creditworthiness or learn about the best offers? Fill out the form or give me a call – I'll be happy to help.
Łukasz Turczyn
ul. Puławska 182,
02-670 Warsaw
Notus Office - 2nd floor
Monday - Friday:
8:00 AM - 8:00 PM
*meetings by appointment