Leadership

• George Cristian Săvoaia — Founder & Owner, ALL4ALL; Founder, Specialistipotecar.ro.

Short Introduction

Specialistipotecar.ro is a Romanian digital platform dedicated to the full lifecycle of a mortgage loan. It combines mortgage-offer comparison, calculators, refinancing and optimisation tools, financial education and access to specialised credit-broker support, with the aim of making mortgage decisions clearer and more transparent.

About the Company

Specialistipotecar.ro is operated by ALL4ALL BEST SOLUTIONS S.R.L., a Bucharest-based financial-brokerage company founded in 2022 by banking professional George Cristian Săvoaia. The broader ALL4ALL business provides credit, insurance and leasing brokerage, while Specialistipotecar.ro is the dedicated digital proposition for mortgage-credit users.

The Specialistipotecar.ro brand was launched as a digital platform in 2025 and is positioned around the entire mortgage journey: understanding eligibility, simulating loan costs, comparing market offers, preparing a financing file, refinancing an existing loan and optimising repayment over time. Public materials describe the platform as a way to obtain useful mortgage information and calculations without unnecessary branch visits or pressure.

The underlying brokerage model combines technology with human advisory. ALL4ALL’s credit brokers compare financing options available in the market, support pre-approval and file preparation and guide clients through the relationship with the financing institution. For individual clients, the broader ALL4ALL proposition states that credit-brokerage assistance is provided without a fee charged to the customer.

Products & Services

• Mortgage Offer Comparison — digital comparison of mortgage and refinancing options, designed to help users evaluate available market offers and monthly-cost scenarios.
• Mortgage Loan Calculator — a calculator for estimating mortgage instalments and understanding the impact of loan amount, term and interest assumptions.
• Refinancing & Optimisation Calculator — a digital tool for assessing whether refinancing or restructuring an existing mortgage could reduce monthly costs.
• Early Repayment Calculator — a simulation tool that illustrates the potential interest and term savings generated by partial early repayments.
• Mortgage Credit Advisory — specialist support for selecting and applying for mortgage or real-estate financing based on the client’s financial profile.
• Market Offer Analysis — comparative analysis of available bank offers, with explanations of pricing, eligibility criteria and relevant financing conditions.
• Bank Pre-Approval & File Preparation — support with pre-approval, document preparation and coordination of the mortgage application process.
• Mortgage Refinancing Support — assistance for clients seeking to refinance an existing mortgage and evaluate potential savings against the current facility.
• Mortgage Education & Guidance — educational content covering IRCC, interest rates, debt-service capacity, early repayment, refinancing and other mortgage topics.
• End-to-End Broker Support — human assistance throughout the financing journey, from initial analysis and offer comparison to interaction with the selected bank and contract signing.

Licences & Regulatory Status

Specialistipotecar.ro / ALL4ALL BEST SOLUTIONS’ regulatory position includes the following:

• ANPC-registered credit intermediary: ALL4ALL BEST SOLUTIONS S.R.L. appears in the public register maintained by Romania’s National Authority for Consumer Protection (ANPC) as an ‘intermediar de credite nelegat’ — a non-tied credit intermediary.
• Non-tied intermediary status: As a non-tied credit intermediary, the company is not presented in the ANPC register as acting exclusively on behalf of a single creditor or tied intermediary.
• Mortgage-credit framework: Its consumer mortgage-credit intermediation activity is subject to the Romanian framework governing credit agreements for consumers relating to immovable property, including Emergency Ordinance No. 52/2016 and applicable consumer-protection requirements.
• Intermediation rather than lending: ALL4ALL BEST SOLUTIONS S.R.L. acts as a credit intermediary and advisory/brokerage provider; public materials reviewed do not establish that it is itself a bank, non-bank financial institution or lender funding mortgage loans from its own balance sheet.
• Registered brand: ALL4ALL BEST SOLUTIONS S.R.L. is the owner of the registered Romanian trademark ‘ALL4ALL SPECIALISTUL CREDITULUI IPOTECAR’, registration no. 206217, covering financial and related services in Nice Class 36.
• Responsible persons: The ANPC public register reviewed identifies George Cristian Săvoaia as administrator and also lists Carmen Ioana Săvoaia among the persons associated with the credit-intermediation activity.

Company identifiers: CUI 47005462; Trade Register J2022020392400 (legacy format J40/20392/2022); incorporated 12 October 2022; registered office: Str. Istriei nr. 7, bl. C6, et. 4, ap. 14, Sector 3, Bucharest 031942, Romania.