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The first stage of working with most clients looks the same. They come with a ready bank offer, excited about a low margin. We open the attachments – and it turns out the low interest rate was bought at the cost of buying four or five insurance policies, which together cost PLN 30,000–50,000 over the…

A client sits across from me and says: “Mr. Jakub, I have a good income, a permanent contract, and a 30% down payment. Why did three banks refuse me?”. We open the BIK report. Three 35-day delays on a credit card payment, two years ago. Each one closes the door to a mortgage at 90%…

Debt Consolidation Loan in Poland 2026 – When It Really Pays Off and When It’s a Hidden Trap? A client walks into my office with a folder of statements. “Mr. Jakub, I have five loans, two credit cards, and a payment plan for a TV. Every month I don’t know where to look. Will consolidation…

March 2026 Analysis In the world of finance, it is often said that money loves silence. However, March 2026 is delivering a metaphorical storm. On one hand, we have optimistic news from Warsaw; on the other, alarming signals from the Middle East. Following the Monetary Policy Council’s (RPP) decision to cut interest rates to 3.75%,…

If I had earned one zloty for every time someone asked, “Will it be easier to get a mortgage in 2026?”, I’d probably have already paid off my own. Since I haven’t, the answer is the classic one: it depends. But don’t worry. Let’s break it all down step by step. This article is for you…

If the new year is meant to be a time for financial order, it’s best to start with the basics. The beginning of a new year is often the first moment in a long time when people truly look at their bank accounts. We check what’s left, how much we managed to save and- often…

Is this really the key to your own home? The government has announced a new program, “First Keys,” aimed at helping people without their own homes to purchase real estate. But will this really be a breakthrough for buyers, or just a pre-election promise with no real backing? Let’s take a closer look at what…