Financing the Purchase
A Mortgage with a NOTUS Financial Expert
Free support that pays off
Are you planning to buy an apartment? NOTUS’s recommended financial experts will help you navigate the entire mortgage process—stress-free, with no commissions, and with full support every step of the way.
Why is it worth it?
01
Access to offers from more than 15 banks
You don't have to visit each bank individually—we'll do it for you. We'll compare and present the offers, which will help you choose a loan that fits your budget.
02
Step-by-Step Support
We'll explain the intricacies of the contract, prepare the documentation, file the applications, and help you choose the best insurance plan.
03
Better loan terms
Thanks to our partnerships with banks, we can negotiate more favorable interest rates and lower fees.
04
Saves time and stress
Instead of wasting time on paperwork—leave it to us. We’ll take care of everything, and you can focus on choosing your dream property.
Will you pay more than you would at a bank?
No. Our services are 100% free*
Banks pay our salaries. And most importantly, with the help of an expert, you can secure a loan that’s best for you in terms of creditworthiness and total borrowing costs.
Check your creditworthiness with an expert at more than 15 banks.
The differences can be as high as 300,000 PLN**
Choosing a mortgage isn't an easy decision. The wide variety of offers available from financial institutions doesn't make things any easier. That's why it's worth turning to experienced financial experts who can prepare a comparison of offers from various banks for you.
Comparison
On your own or with an expert?
| Recommended With a financial expert Comprehensive and free assistance | |||
|---|---|---|---|
| On your own It's all up to you | |||
| Comparison of Offers | |||
| Comparison of Offers | Simple and fast—everything in one place | Challenging—every quote is different, and there’s no support | |
| Negotiations on the terms | |||
| Negotiations on the terms | It's possible, thanks to our relationships with banks | Usually, the inability to | |
| Assessment of Ability | |||
| Assessment of Ability | A precise and realistic assessment of creditworthiness | Risk of an incorrect assessment and rejection of the application | |
| Paperwork | |||
| Paperwork | An expert prepares and puts everything together for you | You fill it out, submit it, and follow up on it yourself | |
| Time and Stress | |||
| Time and Stress | Minimal paperwork, maximum support, and peace of mind | A long, solitary battle against complicated procedures | |
| Help After Startup | |||
| Help After Startup | Yes—ongoing support, such as debt consolidation, refinancing, and insurance | No support whatsoever after the funds were withdrawn | |
Calculator
Do the math before you go to the bank
Loan Payment Calculator
Estimate the amount of your monthly payments, including interest. See how your monthly payment changes based on the loan term, interest rate, and down payment.
Credit Score Calculator
Get a preliminary estimate of your creditworthiness and determine the amount of a loan the bank might grant you.
Experts
At your service
Białołęka
Ursus
Mortgage Comparison Tool
Compare offers from more than 15 banks in one place.
*NOTUS’s compensation for providing mortgage brokerage, consumer loan brokerage, and insurance brokerage services is paid directly by the financial institution. NOTUS performs brokerage activities, including mortgage brokerage, based on and within the scope of the agency agreements it has entered into; a current list of these agreements is available at the following link: https://notus.pl/kredyty/informacje-dla-klienta/
** This calculation is an estimate based on the difference between the projected maximum loan amount available among the offers accessible through NOTUS, in accordance with the following assumptions: a family of four, a permanent employment contract, a total gross income of 15,000 PLN, no outstanding liabilities, place of residence: Warsaw, equal monthly payments, purchase of a property on the secondary market, 20% down payment, loan term of 360 months. Offers prepared based on WIBOR/WIRON rates as of January 14, 2025. Final pricing terms, as well as the final loan decision, are subject to the bank’s assessment of the customer’s creditworthiness.
***Although creditworthiness is assessed using bank calculators, there is a risk that the bank may arrive at a different assessment during the loan application process after reviewing all the documents.
NOTUS Finanse S.A. (“NOTUS”), with its registered office in Warsaw (02-566) at 2 Puławska Street, entered in the Register of Entrepreneurs of the National Court Register maintained by the District Court for the Capital City of Warsaw in Warsaw, 13th Commercial Division of the National Court Register, under KRS number 0000324689, Tax Identification Number (NIP) 5252286547, with share capital of 500,000 PLN (fully paid up), is an affiliated mortgage broker and does not provide advisory services within the meaning of the Act of March 23, 2017, on Mortgage Loans and on the Supervision of Mortgage Brokers and Agents, Consumer Credit Brokers, Insurance Brokers, and Real Estate Brokers.
