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How a driver bought an apartment near Poznan with a mortgage – a real client story
Buying an apartment is a complex process, especially if your income situation isn't ideal and banks are becoming increasingly strict in their client due diligence. But even under these circumstances, you can successfully navigate the entire process—from creditworthiness calculation before receiving the keys.
I'll tell you a real story about my client.
The client's situation is a difficult start
A man who works as a driver approached me. His request was clear and specific:
find an apartment in the Poznan area and help with mortgage registration.
But the situation was not the easiest:
- income of only one person,
- the wife didn't work,
- year of birth - 1978 (which affects the loan term),
- Standard banks may have underestimated the creditworthiness.
In such cases, it is very important not to just «apply», but build the right strategy.
The key step is to correctly calculate your creditworthiness
After analyzing the situation, I selected banks that:
- correctly take into account income,
- are more loyal to such cases,
- allow you to get the maximum possible amount.
We have chosen a strategy for working with two banks, to increase your chances of approval and choose the best conditions.
👉 This is one of the most important stages—the entire subsequent process depends on it.
Finding an apartment remotely and efficiently
After understanding the budget, we started looking for an apartment.
Customer request:
- minimum 3 rooms
- from 50 m²
Taking into account the budget, I recommended considering satellite towns of Poznan, such as:
- Gniezno
- Swarzędz
- Luboń
- Puszczykowo
This made it possible to obtain more space for the same money, than in Poznan itself.
Since I'm based in Gdansk and the client is in Poznan, we initially worked entirely remotely:
- I selected the best options,
- the client approved or rejected them.
A few days later we chose 4 most suitable apartments.
Views and selection - not always the first time
I made arrangements with the owners in advance, and we met for a viewing.
As it often happens - I couldn't find the perfect option the first time..
We:
- met twice with the client's entire family,
- I went on my own once and did video reviews of apartments.
This approach saves the client a lot of time, especially if they work on the road.
The final choice is an apartment in Gniezno
In the end, we settled on the city option. Gniezno - This, by the way, is the first capital of Poland.
We managed to not only find a suitable apartment, but also:
- to conduct a transaction on favorable terms,
- design in oone mortgage an apartment and a detached garage at once.
👉 This is an important point - not everyone knows that such solutions are possible.
Full support by power of attorney
The client provided me with a power of attorney, which means:
- I went through the whole process on my own,
- prepared the documents,
- interacted with the bank and the seller.
The client arrived at the final stage - receiving the keys to your apartment.
The ideal solution for drivers and people on the go
Working under a power of attorney is one of the best solutions for:
- international drivers,
- people who are often on flights,
- busy clients.
👉 You save time, nerves and don’t lose opportunities buy good real estate.
I can:
- carry out the entire process for you,
- resolve all formalities,
- bring the deal to completion.
Want the same? Contact us.
If you are in a similar situation:
- one income,
- non-standard work,
- doubts about the loan,
I:
- I'll check your creditworthiness for free,
- I'll pick a strategy,
- I will help you find and buy an apartment in Poland.
rutkowskihome.pl — assistance in purchasing real estate and obtaining a mortgage in Poland.