ABOUT US

Who We Are

We are AETERNUS GROUP and have been delivering a comprehensive real estate, law and financial product consultancy service since 2007. At the core of our business is a deep desire to create one-to-one relations with each and every one of our clients. Our objective is to help our clients to manage their finances effectively and to make the right financial decisions.

AETERNUS GROUP’s services can be adjusted by our specialists and analysts to suit clients’ needs. AETERNUS GROUP comprises people who do not use the word “impossible”. Through the use of their technical knowledge and years of experience, our advisers are well-placed to lead clients through the often complicated world of legislation, governing finance and real estate, and help them find their way. We select the best products available on the market, tailored to clients’ needs. Our watchwords are comprehensiveness and the delivery of high quality services. We care about our clients’ money, and we help them to set goals and set financial priorities.

Our professionalism in and knowledge of the world of finance, law and real estate is recognised by our regular clients who trust us and continue to do business with us. Solutions that are beyond the ambit of some competitors, are within our reach.

AETERNUS GROUP’s mission is to pursue excellence in services provided, to create extraordinary solutions for clients and to meet their needs by offering them individually tailored products, so that they can realise their goals.

1. CLIENT NEEDS ANALYSIS
Cooperation with our Clients starts with a CNA – Client Needs Analysis. This is a detailed reference tool that AETERNUS GROUP’s advisers consult to put the client’s needs into effect and identify the steps needed to enable clients to manage their finances effectively and to make the right financial decisions.
2. PRESENTING SOLUTIONS
AETERNUS GROUP advisers is well placed to draw up strategies and to present clients with the best solutions,, thanks to the technical knowledge and years of experience at the disposal of our advisers,. They are adept at identifying the best products available on the market.
3. IMPLEMENTATION
AETERNUS GROUP’s advisers lead clients through the often complicated world of finance and legislation. They help clients to navigate rules and regulations, procedures and paperwork. Our advisers have the experience, professionalism and commitment, to execute ambitious ideas and requests.

REAL ESTATE

  • REAL ESTATE AGENCY

    Of course there are some negative stereotypes of real estate agents, but we are happy to demonstrate to our clients that these don’t apply to us. We value conscientiousness, creativity and commitment. We put our client’s needs first and prioritise customer service, because we know that clients’ recommendations are the very best form of advertising. We offer an efficient...

  • LEGAL DUE DILIGENCE IN REAL ESTATE

    Buying real property is commonly recognised as one of the most profitable ways of investing personal assets. It is nevertheless important to outline potential risks facing clients who wish to purchase real estate assets as a short or long-term investment and AETERNUS GROUP provides a high quality due diligence service. It focuses on the assessment...

  • CUSTOMER SUPPORT SERVICE

    To meet our clients’ expectations, AETERNUS GROUP has introduced its CUSTOMER SUPPORT SERVICE (CSS). This is especially tailored to clients who have decided to sell, rent, buy or lease real estate by themselves, but who nevertheless need help with concluding the deal. Under CSS, advisers at AETERNUS GROUP take the strain off the client by concluding...

  • TRADER SUPPORT SERVICE

    AETERNUS GROUP provides business clients with a TRADER SUPPORT SERVICE (TSS). The AETERNUS GROUP team includes traders and primary market experts. A trader expert keeps a sharp lookout for suitable business property sites which meet clients’ specific requirements, negotiates a price with site developers, seeks discounts and consults clients...

  • INVESTMENT SUPPORT SERVICE

    AETERNUS GROUP– provides an INVESTMENT SUPPORT SERVICE (ISS), and at the client’s request prepares a market and/or investment analysis and similar reports. AETERNUS GROUP also offers a consultancy service on marketing and sales opportunities...

  • INVESTMENTS

    AETERNUS GROUP’s advisers are well-placed to help their clients achieve much through investments in real estate with a view to increasing personal or business wealth. AETERNUS GROUP’s advisers have years of experience behind them, allowing them to tailor individual investment plans for their clients that are based on individual needs and utlilising the best investment tools available...

REAL ESTATE AGENCY

Of course there are some negative stereotypes of real estate agents, but we are happy to demonstrate to our clients that these don’t apply to us. We value conscientiousness, creativity and commitment. We put our client’s needs first and prioritise customer service, because we know that clients’ recommendations are the very best form of advertising. We offer an efficient service, guarantee the security of all transactions and work hard to achieve a comprehensive resolution of issues between clients and other parties. Our commitment to the client does not start and end with the preparation of offers, the tour of properties or the exchanging of contacts. Our service includes: * the verifyication of the legal and factual status of the property, * the obtaining and checking of the all necessary documents, * the determination of the initial terms for transactions and the optimisation of the best deal for the property for either buyer or seller, * the preparation of the offer, * the drawing up of sale descriptions and dealing with advertising of the property, * making contact with potential buyers/sellers, * arranging viewings of the property, drawing up briefing notes and keeping records, * establishing the other party’s creditworthiness, * organizing meetings between parties involved in the transaction, including any third parties, * handling negotiations and mediating between parties, * assessing and advising on the optimal method of financing a transaction, negotiating a loan and dealing with a bank, * supervising the signing of the contract, * handlng the execution of the transaction, * drawing up the official report on the handover of the property and closing case files in line with personal data rights protections.

LEGAL DUE DILIGENCE IN REAL ESTATE

Buying real property is commonly recognised as one of the most profitable ways of investing personal assets. It is nevertheless important to outline potential risks facing clients who wish to purchase real estate assets as a short or long-term investment and AETERNUS GROUP provides a high quality due diligence service. It focuses on the assessment of the legal status of the property, which can leave new owners at risk of loss and/or liabilities. Real estate due diligence provides the investor with an opportunity to evaluate any potential threats to the investment plan and to take necessary steps to eliminate or mitigate any risks. The objective of a due diligence check is to ascertain whether the client is in a robust position to pursue the investment and whether the information provided by the seller is reflective of the actual legal position. AETERNUS GROUP carries out a due diligence investigation of the property on the client’s request, during each of the economic, financial, tax, legal, technical and environmental stages of the transaction.

CUSTOMER SUPPORT SERVICE

To meet our clients’ expectations, AETERNUS GROUP has introduced its CUSTOMER SUPPORT SERVICE (CSS). This is especially tailored to clients who have decided to sell, rent, buy or lease real estate by themselves, but who nevertheless need help with concluding the deal. Under CSS, advisers at AETERNUS GROUP take the strain off the client by concluding the agreement according to the client’s instructions. This enables us to spell out in clear and precise terms the nature and importance of the commitments that each party is contemplating,, the client’s rights and obligations as well as explaining the timeline of each formal stage in which the notary (lawyer) finalises the agreement. A clear benefit of this service is to minimise costs related to the deal in comparison to the likely costs involved in a standard real estate agency service, at the same time as guaranteeing the security of the transaction.

TRADER SUPPORT SERVICE

AETERNUS GROUP provides business clients with a TRADER SUPPORT SERVICE (TSS). The AETERNUS GROUP team includes traders and primary market experts. A trader expert keeps a sharp lookout for suitable business property sites which meet clients’ specific requirements, negotiates a price with site developers, seeks discounts and consults clients on the optimal terms for any transaction. AETERNUS GROUP traders also negotiate on clients’ behalf with developers, to secure suitable package deals and to brief investors on opportunities in the primary market. AETERNUS GROUP traders have substantial expertise on site development investment options, which affords the client with all the salient information by which to assess the pros and cons of investing in each site. The client not only saves time, in comparing a several investment opportunities at the same time and location, but also saves money, as a result of the discounts negotiated through the TSS service, that would otherwise be unavailable if s/he were to have negotiated directly with an individual developer. With AETERNUS GROUP, the client obtains a professional assistance service throughout the process.

INVESTMENT SUPPORT SERVICE

AETERNUS GROUP– provides an INVESTMENT SUPPORT SERVICE (ISS), and at the client’s request prepares a market and/or investment analysis and similar reports. AETERNUS GROUP also offers a consultancy service on marketing and sales opportunities relating to an investment plan as part of the same service. We also support and monitor a return on investment service in which assets are sold for an optimal price.

INVESTMENTS

AETERNUS GROUP’s advisers are well-placed to help their clients achieve much through investments in real estate with a view to increasing personal or business wealth. AETERNUS GROUP’s advisers have years of experience behind them, allowing them to tailor individual investment plans for their clients that are based on individual needs and utlilising the best investment tools available on the market. AETERNUS GROUP treats its Client’s finances with the utmost discretion and care. Advisers are on hand to show how to manage savings and investments in the most appropriate ways. By paying close attention to the client’s financial situation, advisers are skilled at identifying their investment needs. AETERNUS GROUP experts introduce clients to a range of solutions that open up more opportunities to make the most from their investments.

LOANS

  • MORTGAGES

    A mortgage is currently the most popular and simplest way to finance the purchase of an apartment or construction of a house. A mortgage can also be used for the repayment of another mortgage (with an option of covering...

  • CONSOLIDATION LOANS

    AETERNUS GROUP recommends consolidation loans as an ideal solution for clients who have multiple debts (eg: a mortgage, car loan, credit cards charges and a loan secured by a mortgage). Consequently, clients are liable for a number...

  • LOANS SECURED BY A MORTGAGE

    A loan secured by mortgage is currently one of the simplest and most cost effective ways of obtaining funds for any approved purpose. Applying for a loan secured by a mortgage from a bank does not entail the bank requesting details about the funding...

  • OPERATING CREDIT

    We offer our clients several methods of financing their company’s needs, depending on individual circumstances. For entrepreneurs, we offer companies assistance in obtaining operating credit. This option can be used to cover financial commitments related to business operations and other liabilities. An operating credit option is a valuable source of support for companies...

  • INVESTMENT LOANS

    AETERNUS GROUP also offers entrepreneurs investment loans, to help realise development projects, re-structuring of the business and company modernisation. These tailored loans can be used for funding important investment projects related to a commercial, industrial or agricultural business and are especially useful for financing debt repayments to banks and other financial institutions...

MORTGAGES

A mortgage is currently the most popular and simplest way to finance the purchase of an apartment or construction of a house. A mortgage can also be used for the repayment of another mortgage (with an option of covering connected costs, related to the lending of credit intended for a repayment) and for re-financing housing costs arising in previous months.

One method of reducing the amount of mortgage instalments is to take out a re-financing loan. It can be beneficial to re-examine a loan that has been taken out in previous years and to replace it with another at a lower rate from another bank. Unduly high instalments can be adjusted to the client’s current financial circumstances – a re-financing loan may be obtained for a different period of time, with payments due in a different currency and with the added incentive of a lower interest rate.

Another benefit is that many banks apply a minimum of formalities for re-financing debts.

AETERNUS GROUP’s advisers are well placed to compare offers from different banks for clients and to calculate creditworthiness for no extra charge. They can assist clients to deal with formalities and guide them through the complicated procedures of applying for and acquiring a suitable mortgage.

Our message to clients is: “Do you dream of your own apartment or house? We will prepare an individually suited product for you, so that you can make your dreams come true.”

CONSOLIDATION LOANS

AETERNUS GROUP recommends consolidation loans as an ideal solution for clients who have multiple debts (eg: a mortgage, car loan, credit cards charges and a loan secured by a mortgage). Consequently, clients are liable for a number of instalments each month – which can be a major financial burden as well as presenting technical difficulties – with amounts due on dates, amounts and bank accounts.

Our message to clients is: “If you own real estate, then this could constitute collateral for a consolidation loan, AETERNUS GROUP’s advisers will examine offers from different banks, calculate your creditworthiness, help you to deal with the formalities and consolidate instalments into one convenient payment – at no additional charge.”

LOANS SECURED BY A MORTGAGE

A loan secured by mortgage is currently one of the simplest and most cost effective ways of obtaining funds for any approved purpose. Applying for a loan secured by a mortgage from a bank does not entail the bank requesting details about the funding target, which means that the client is at liberty to use the funds in any legitimate way. Our message to clients is: “If you own real estate, this could constitute collateral for a loan secured by a mortgage, and you could obtain funds for any purchase a lot cheaper than would be the case for a bank loan. AETERNUS GROUP’s advisers will present you with a range of offers available on the market and set out the benefits of each.

“You need to raise capital but would prefer not to go into details about what you want to buy? AETERNUS GROUP’s advisers will negotiate a loan secured by a mortgage that is best suited for your needs. Find out how we can help you.”

OPERATING CREDIT

We offer our clients several methods of financing their company’s needs, depending on individual circumstances. For entrepreneurs, we offer companies assistance in obtaining operating credit. This option can be used to cover financial commitments related to business operations and other liabilities.

An operating credit option is a valuable source of support for companies and can be a convenient solution that broadens a company’s financial capabilities.

INVESTMENT LOANS

AETERNUS GROUP also offers entrepreneurs investment loans, to help realise development projects, re-structuring of the business and company modernisation. These tailored loans can be used for funding important investment projects related to a commercial, industrial or agricultural business and are especially useful for financing debt repayments to banks and other financial institutions. Investment loans are available to fund primary or secondary market purchases, including the purchase or construction of premises or utility buildings, along with vacant land that is earmarked for future business activities. Other potential projects that can be funded through an investment loan include property rebuild, new superstructure, office expansion, building renovation or modernization appropriate to the business activity as well as financing new-build, replacing or modernizing existing fixed estate assets and financing the initial working capital, which is always necessary when starting a business.

INSURANCE

  • PROPERTY INSURANCE

    AETERNUS GROUP acts as an agent for a comprehensive range of property insurance providers. We recognize that each client has different needs in terms of plans and priorities, whether they are parents raising children or senior citizens enjoying their well-earned retirement, or investors...

  • PERSONAL INSURANCE

    Everyone has life priorities and values. AETERNUS GROUP helps clients to secure what is most precious to them. Personal insurance may comprise financial support in case of illness, act as collateral to a loan or to provide for a family’s security and wellbeing. If clients wish...

PROPERTY INSURANCE

AETERNUS GROUP acts as an agent for a comprehensive range of property insurance providers. We recognize that each client has different needs in terms of plans and priorities, whether they are parents raising children or senior citizens enjoying their well-earned retirement, or investors or borrowers. We let the client define what is important to them and then propose an appropriate policy. The sheer scope and variety of insurance options available on the market can appear daunting but we can navigate through the myriad of offers. Our clients can be assured that AETERNUS GROUP’s advisers are well-placed to prepare a comparison of the best and most appropriate insurance offers available.

PERSONAL INSURANCE

Everyone has life priorities and values. AETERNUS GROUP helps clients to secure what is most precious to them. Personal insurance may comprise financial support in case of illness, act as collateral to a loan or to provide for a family’s security and wellbeing. If clients wish to provide themselves and their loved ones with a sense of financial stability and support in the case of unforeseen events, then one of AETERNUS GROUP’s advisers would be pleased to set a meeting and assist the client to select the insurance that meets their needs.

AETERNUS GROUP has prepared a wide range of medical packages for clients who wish to avail themselves of the best in health insurance plans for their loved ones as well as themselves, which allows clients to select a preferred medical facility staffed by doctors and specialists, and which offers prompt availability of appointments and the highest quality service.

CONSULTANCY

  • LEGAL CONSULTANCY

    AETERNUS GROUP has a wealth of experience in the legal field at its disposal. We provide legal assistance to clients, a consultancy service and legal assistnce across a wide range of civil and administrative law areas...

  • BUSINESS CONSULTANCY

    AETERNUS GROUP offers a business consultancy service, which was introduced largely in response to positive feedback fromr our clients. The business consultancy team has the goal of ensuring that our...

LEGAL CONSULTANCY

AETERNUS GROUP has a wealth of experience in the legal field at its disposal. We provide legal assistance to clients, a consultancy service and legal assistnce across a wide range of civil and administrative law areas. Among the services we provide are the drafting and reviewing of contracts, business offers, legal agreements, assessing ownership rights, dealing with easements, usufruct (including perpetual usufruct), collateral issues and mortgage cases, dealing with rules affecting inheritance and succession, valuations of real property, transactions involving real estate, the drafting and submitting of applications, forms and petitions to relevant courts, institutions and public/government authorities.

BUSINESS CONSULTANCY

AETERNUS GROUP offers a business consultancy service, which was introduced largely in response to positive feedback fromr our clients. The business consultancy team has the goal of ensuring that our clients’ strongest expectations are realised. The team helps the client to define his company’s strategy by examining how best to reorganise the enterprise, its financial and human resources management and/or implementing cutting-edge IT solutions.

AETERNUS GROUP’s advisers are ready to analyse client’s businesses, so as to work out a model of future cooperation and success.

  • COOPERATION

    We are open and ready to cooperate with people and organisations and agencies that provide financial and insurance products and are involved in the sale and purchase of real estate.

    read more ...

  • CAREER

    We are always on the lookout for talented, independent thinkers and action takers who can fit into our team of advisers. If you are interested in a rewarding job as a financial adviser

    read more ...

  • AG CLUB

    The number of satisfied clients who recommend our services grows by the day. The key to AETERNUS GROUP’s success is that we have built up long-lasting and valuable relations with our clients.

    read more ...

  • BLOG

    AETERNUS GROUP’s advisers are keen to share their knowledge and experience. Our message to clients is: “Would you like to know how you can take a mortgage without financial knowledge of your own, or how to insure your house or apartment effectively

    read more ...

COOPERATION

We are open and ready to cooperate with people and organisations and agencies that provide financial and insurance products and are involved in the sale and purchase of real estate.

For more detailed information about opportunities for cooperating with AETERNUS GROUP, please contact us at info@aeternusgroup.com

AG CLUB

The number of satisfied clients who recommend our services grows by the day. The key to AETERNUS GROUP’s success is that we have built up long-lasting and valuable relations with our clients. By way of appreciation, we have prepared a Loyalty Programme for them.. Clients of each service at AETERNUS GROUP are rewarded with points, that can be exchanged for attractive prizes.

BLOG

AETERNUS GROUP’s advisers are keen to share their knowledge and experience. Our message to clients is: “Would you like to know how you can take a mortgage without financial knowledge of your own, or how to insure your house or apartment effectively, or what to invest your money in, or which real estate property to buy, or how to increase your earnings, or how to get rid of that problematic debt successfully?

“You will find answers to these and many other questions on the AG BLOG.

CAREER

We are always on the lookout for talented, independent thinkers and action takers who can fit into our team of advisers. If you are interested in a rewarding job as a financial adviser, a real estate agent, an insurance agent or a client relations agent, then please contact us at info@aeternusgroup.com.

Aeternus Group

Urzędnicza 35
30-048 Kraków
Poland

M +48 602 588 876
T +48 12 350 46 90
F +48 12 350 42 44

E info@aeternusgroup.com