Are you planning to buy an apartment and wondering what a meeting with a mortgage advisor looks like? This is one of the most important stages of the entire process – well-conducted consulting can save you not only money, but also stress. Regardless of whether you are interested in an apartment with a garden in Poznań, a modern apartment in a block of flats in Poznań, or a new apartment from a developer in Poznań, it is worth knowing how to prepare for a specific and effective meeting. Here is a practical guide.
Why is it worth using a mortgage advisor?
A mortgage advisor is a person who will help you compare mortgage offers, assess your creditworthiness, guide you through the formalities, and often assist you in your contact with the bank. Especially in 2025, when the financial market is changing dynamically, the support of a professional is of great value.
Many apartment buyers in Poznań use the services of advisors recommended by a Poznań-based developer, which can further facilitate the process – especially when completing documentation and submitting loan applications on time. Rock Haus also offers such support.
Gather documents confirming your income
This is absolutely essential – your advisor needs a complete set of documents to accurately assess your creditworthiness. Depending on your form of employment, these will include:
- people with an employment contract: certificate of employment and earnings, bank statements from the last 3–6 months, PIT for the last year,
- self-employed persons: revenue and expense ledger or balance sheet, certificates from the Social Insurance Institution (ZUS) and Tax Office (US), annual PIT forms,
- persons on civil law contracts: contracts, invoices, transfer confirmations, account history.
Check your credit history
The advisor will check your history at BIK – but you can also do it beforehand. This will allow you to find out if you have any outstanding liabilities that may affect the bank's decision. If you have a credit card or account limits, consider whether it is worth closing them.
However, it is worth knowing that a complete lack of credit history can work to your disadvantage. Banks are more willing to grant loans to people who have already used financial products before – e.g., taken out and repaid a small loan, installment purchase, or credit card on time. Such a history builds creditworthiness and can positively influence the terms of the offer. So if you are planning to buy an apartment in the coming months and your BIK history is “clean,” consider building a positive history in advance.
Prepare information about the property
If you have already chosen a specific apartment for sale in Poznań, bring information about it to the meeting – floor space, location, land and mortgage register number (if applicable), standard of finish, price. Developers in Poznań usually provide a set of documents needed to apply for a loan – ask for them in advance.
If you are still in the search phase, an advisor can help you estimate your budget and show you what you can afford in your situation – e.g., new apartments in Poznań with a balcony, apartments with parking, or apartments for sale in Poznań in quiet neighborhoods.
Consider your down payment
Currently, the minimum required down payment is usually 10-20% of the property value. Check what funds you can allocate – cash, savings account funds, bonds, IKE/IKZE. An advisor will help you choose the bank that best suits your situation in terms of loan conditions.
Prepare questions and concerns
A good meeting is not only about analyzing documents, but also about conversation. Think in advance about what interests you:
- Fixed or variable installments?
- How much will the additional costs be (insurance, commission, notary)?
- What is the process of signing a loan agreement?
- What happens if the installment increases?
The advisor should answer all questions clearly and specifically – especially if you plan to purchase a property from a Poznań developer and want to be sure that the purchase process will go smoothly.
Set aside enough time
A meeting with a loan advisor usually lasts 60–90 minutes. It is worth arranging a meeting at a convenient time, outside of work. Make sure you have all the necessary documents and data – missing even one item may delay the creditworthiness analysis.
Bring your partner if you are buying together
If you are planning to buy an apartment with another person, you must both attend the meeting. Your incomes will be analyzed together, and the documents must be complete for both parties.
Make sure to compare offers
A good advisor will present you with several offers from different banks – taking into account not only the interest rate, but also additional costs, repayment flexibility, and the possibility of early repayment. This is especially important if you are planning to buy an apartment with a garden or a larger property that will require an additional budget for finishing.
Meeting with a loan advisor is a key step on the way to buying your dream home. The better you prepare, the more efficiently and quickly you will go through the loan process. Whether you are interested in a small apartment in a block of flats in Poznań or a spacious property with a garden in a new housing estate, with the help of an expert you can be sure that you are making a safe and well-thought-out decision.
And if you are looking for a reliable partner who will not only help you find the perfect apartment, but also guide you through the entire purchase process, contact an experienced developer from Poznań. Rock Haus offers a selection of apartments for sale in Poznań, ready for occupancy, and our advisors will be happy to help you find the best mortgage solution – tailored to your capabilities and needs.
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