Financing

Małycha Business Finance is a mortgage brokerage company operating since 2015. Our advisors’ statements have been published in the Polish press, including Forbes and Gazeta Wyborcza. Małycha Agency clients can count on free assistance in obtaining a mortgage for property purchases.
/ THE MA WAY

Your dreams of owning a property become reality

With Małycha Business Finance, your dreams of owning a property become reality – safely, professionally, and smoothly. Małycha Business Finance is part of the Małycha Group. We offer free assistance in obtaining a mortgage, operating under the July 2017 Mortgage Credit Act. This law states, among other things, that banks and mortgage advisors have access to the same offers, and the mortgage advisor’s fee is transparent and can be disclosed to clients.

  • WHAT SETS US APART?

    Faster and Safer Process

    Clients purchasing a property through our agency and using our mortgage brokerage service can expect an accelerated and secure transaction closing process. Our collaboration with reputable financial institutions and in-depth knowledge of banking procedures enables us to manage the mortgage process efficiently and dynamically.

  • WHAT SETS US APART?

    Personalized Mortgage Solutions

    We understand that every client has unique needs and expectations regarding property financing. At Małycha Business Finance, we offer personalized mortgage solutions tailored to each client’s individual financial situation, preferences, and investment goals.

  • WHAT SETS US APART?

    Proven Mortgage Process

    Our commitment to client support does not end with finding the right mortgage. We provide comprehensive assistance at every stage of the mortgage process – from initial qualification, through the application process, to finalization and fund disbursement. Additionally, we provide weekly reports of our work to clients. We help clients understand the complexities of mortgage agreements.

  • WHAT SETS US APART?

    Experience

    Operating in the market since 2015 and recognized by prestigious media such as Forbes, Małycha Business Finance has built a reputation as a reliable, professional, and ethical company. Our experience and focus on high-quality client service ensure that every transaction is handled with the utmost care and attention to the client’s best interests.

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Mortgage Loan Process

/ STEP BY STEP

  • / STEP ONE

    Initial Consultation

    The process begins with a one-on-one conversation with a Małycha Business Finance advisor, during which we discuss your needs, expectations, and financial capabilities. This initial consultation allows us to understand your situation and plan the next steps.

  • / STEP TWO

    Financial Analysis

    Next, we conduct a thorough analysis of your creditworthiness by reviewing your income, liabilities, and credit history. Based on this analysis, we determine your eligibility for a mortgage and suggest optimal financing solutions.

  • / STEP THREE

    Selecting the Best Offer

    Using our extensive network of contacts within financial institutions, we present you with the best available mortgage offers that match your needs and expectations. Our experience allows us to negotiate favorable mortgage terms on your behalf.

  • / STEP FOUR

    Submitting the Mortgage Application

    We assist in preparing all necessary documents and submitting a complete mortgage application. Our team ensures that the application is thorough and meets all bank requirements, significantly increasing the likelihood of a quick and positive approval.

  • / STEP FIVE

    Managing the Mortgage Process

    Throughout the entire mortgage process, we act as your representative at the bank, monitoring progress and managing communication between all parties. Our goal is to ensure the process runs smoothly and without unnecessary delays. We stay in constant contact with you, providing weekly updates on the progress of your mortgage application.

  • / STEP SIX

    Mortgage Agreement

    After receiving the mortgage approval, we will explain the terms of the mortgage agreement and assist you with the final formalities until the funds are disbursed. Our support also includes help in fulfilling all collateral requirements, such as property insurance.
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/FREQUENTLY ASKED QUESTIONS

  • To submit a mortgage application, you need documents confirming your identity, income (e.g., salary certificates), credit history, as well as information about the property you wish to purchase. At Małycha Business Finance, we will help you gather all the necessary documents and ensure that your application is complete.
  • The time required to obtain a mortgage may vary depending on several factors, such as the completeness of the documents provided, the bank’s processing speed, and the specifics of the property. At Małycha Business Finance, we make every effort to ensure the process is as fast and efficient as possible – typically it takes up to a few weeks.
  • Mortgage interest rates are market-dependent and can vary depending on the bank and the current economic situation. At Małycha Business Finance, we provide up-to-date information on loan rates and help you find the offer with the most favorable interest rate that meets your needs.
  • Yes, we also offer refinancing services for clients who want to improve the terms of their current mortgage. With our knowledge and experience, we can assess whether refinancing is beneficial for you and assist in negotiating better terms with the bank. We also help with refinancing the costs incurred during property purchase.
  • We report our work to our clients up to twice a week, making the mortgage process predictable and allowing our clients to focus on their own work.

How it works

/ STEP BY STEP

/ STEP ONE

Fill out the form

Complete the form and we will contact you by phone.

/ STEP TWO

Consultation call

We’ll discuss the challenges you face in selling, buying, renting, or managing your property.

/ STEP THREE

Start of the sales, purchase, or rental process

Once you accept our offer, we’ll begin executing the agreed plan of action — ensuring the entire process runs smoothly.

/ CONTACT FORM

Fill out the form and see how we can help you

Complete the form to discover how we can assist you in making better real estate decisions. A consultation with our advisor will help you assess whether our services are the right fit for your needs and expectations.

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