Hey Poznan!
At Poznań Daily, we’ve been diving deep into the credit and mortgage world lately, reaching out to some of the top experts in town. Your feedback has been fantastic — you wanted more insider knowledge, and we listened. That’s how we discovered Patryk Kiciński, a financial specialist whose office on Święty Marcin 77 in Poznań’s Old Town is helping clients save serious money.
Patryk isn’t just another advisor. He has guided over 1000 loan transactions worth more than 300 million PLN — a track record that speaks volumes. What sets him apart isn’t just experience, but the way he approaches the process: calm, thorough, and entirely focused on his clients’ security.
A Partner Who Handles the Details
Applying for a mortgage can feel overwhelming. Patryk’s philosophy is simple: he takes on the stress so you don’t have to. Instead of submitting a single application and hoping for the best, he applies to several banks at once, increasing the chances of approval and ensuring you receive the most favorable offer.
Behind the scenes, he handles the calls with agents, developers, government offices, and bank analysts. He manages the paperwork. He tracks the formalities even after the loan has been secured, making sure you don’t miss a single step. In short: he’s not just there for the deal — he’s there until the very last document is signed.
Calm Guidance Through a Complex Process
Mortgages are complicated, but Patryk brings a rare calmness to the process. A meditation practitioner who values long walks in nature, he translates complex financial jargon into clear, practical information. No stress, no unnecessary details — just what you need to feel confident about the decision you’re making.
How to Lower Your Mortgage Costs
Patryk shared with us some of the basic strategies he uses to help clients reduce costs. The juicy ones he will leave for when you call him…
Interest rates are dropping. The average is now 6.69%, the lowest since 2022. Choosing the right bank at the right time can save you tens of thousands of złoty — in some cases, even as much as 150,000 PLN over the lifetime of a loan.
Larger down payments mean better rates. A 20% contribution can reduce your total mortgage costs by around 65,000 PLN compared to the minimum 10%.
Refinancing matters. If you signed for a mortgage when rates were much higher, moving to another bank now could save you hundreds each month.
Eco-loans offer lower margins. Properties with energy-efficient certificates can qualify for reduced rates, which translates to significant long-term savings.
Overpaying helps more than you think. Even small monthly overpayments, such as 100–200 PLN, can shorten your loan term and save you up to 70,000 PLN.
The Best Part
The best part? Patryk’s services are free. His fees are covered by the banks, so you get expertise, experience, and peace of mind without paying extra. It’s a win-win: you gain clarity and control, while your mortgage costs shrink.
Contact Patryk
Office: ul. Święty Marcin 77, Poznań Old Town
+48 609 708 254
kontakt@patrykkicinski.pl
Free consultations (English/Polish-speaking): patrykkicinski.pl/kontakt
Final word: Mortgages may not be the most glamorous topic, but with the right guidance, they don’t have to be overwhelming. Patryk Kiciński offers exactly that — experience, calm, and a system built to protect your wallet. Before you sign decades of payments away, it’s worth having him in your corner. We will be back soon with an insider interview with Patryk. We can’t wait!
