Wondering who can best help you choose a loan?

Let’s ask the question simply: do you prefer someone with one offer or someone with dozens? That’s how a financial expert works. It’s someone who looks at you and your situation individually, not through the lens of a table at a single bank. But don’t worry, I’ll explain everything step by step – with humor and examples.

Who exactly is a financial expert?

A financial expert is like a “guide to finances” – but not just any guide, one who knows all the best shortcuts. Instead of promoting one offer like bank advisors do, they analyze many options and look for the one that’s best for you.

An example from real life?

I remember a situation where a client from Krakow wanted to buy an apartment with a loan, but her creditworthiness at her regular bank didn’t look great. Instead of giving up, I checked offers at several other banks. The result? Not only did we find a loan with a lower interest rate than her regular bank offered, but we also reduced her monthly installment by several hundred zlotys through negotiating terms.

How does a financial expert differ from a bank advisor?

Why are my services free?

“So where’s the catch?” – I often hear this question. The answer is simple: the bank you choose pays me for handling the transaction. You don’t bear any costs, and you can rest assured that everything will be taken care of to the last detail.

How does collaboration with an expert work?

Imagine this situation: you come to me with an idea to buy an apartment. My work starts with getting to know your financial situation and needs. Then I look for offers, negotiate terms, and guide you step by step through the entire process.

I remember a client who came to me stressed because one bank denied his loan. “This must be the end of my dream of owning a home,” he said. But two weeks later, he had a signed agreement with another bank and… the keys to his new apartment in his pocket.

What else do you gain by working with an expert?

• Access to knowledge and experience: For 25 years, I have been helping clients from Krakow and across Poland achieve their plans.

• Peace of mind: You know you have someone who cares about your interests.

• Faster decisions: Instead of getting lost in offers, you get the best option right away.

Why do I collaborate with Notus Finanse?

Notus Finanse is one of the most recommended companies in Poland. Thanks to my collaboration with them, I have access to a wide range of offers, which allows me to help my clients even better. Check out my profile on the Notus website: Jakub Zdebski – Financial Expert

Examples from real life

1. A foreigner in Poland:

Andriy, a programmer from Ukraine working in Krakow, dreamed of owning his own apartment. The problem was that most banks required documents that weren’t available in his case – such as a Polish credit history. Additionally, the language was a barrier. I helped him find a bank that accepted foreign income and organized sworn translations of documents. Within three weeks, we signed the loan agreement, and Andriy and his wife moved into their dream apartment.

2. Quick action – time is money:

Ms. Malgorzata, who ran her own shop in Tarnow, found the perfect property to expand her business. The problem? The property owner wanted a quick transaction, and her bank offered very long verification periods. She came to me just a week before the reservation period ended. Thanks to my knowledge of procedures and collaboration with the right banks, we obtained loan approval within four days. Malgorzata was able to expand her business under new conditions.

3. Negotiating terms – savings in practice:

Mr. Krzysztof from Rzeszow came to me with a mortgage loan he had had for several years. A high margin meant his monthly installment was much higher than his current financial situation allowed. I suggested refinancing the loan to another bank and started negotiations. After transferring the loan, we managed to reduce the installment by 450 PLN per month, saving over 5,000 PLN annually. Additionally, the new bank agreed to waive the fee thanks to negotiations.

4. High creditworthiness is not everything:

Mr. Piotr from Warsaw was a manager in an international corporation and planned to buy an apartment with a loan. Creditworthiness? High. The problem? A few years ago, Piotr had a delay in paying off his credit card, which negatively affected his credit history. Most banks rejected his application. Thanks to collaboration with an institution that approached credit history more flexibly, we found an offer and fulfilled Piotr’s dream of a new apartment.

5. A loan from a distance – is it possible?

Ms. Joanna, a teacher living in Gdansk, wanted to buy an investment apartment in Krakow. Due to the distance, meetings at banks were a problem for her. Together, we carried out the entire process remotely – from consultations via email and phone to sending documents. Joanna was able to sign the agreement at a bank branch in Gdansk, while I handled all the formalities in Krakow.

Making financial decisions doesn’t have to be difficult or stressful. Collaborating with a financial expert guarantees that every offer will be thoroughly analyzed, and the solution will be tailored to your needs. Whether you’re planning to buy an apartment, refinance a loan, or need additional support with formalities – I’m here to help.

Your financial goals are my priority, and my knowledge and experience will help you achieve them faster and more efficiently.

Jakub Zdebski