Can I get a mortgage if I’m employed on umowa zlecenie / o dzieło or B2B contract?

Yes, being employed on a umowa zlecenie, umowa o dzieło, or working as a B2B contractor does not rule out the possibility of obtaining a mortgage. However, it can be slightly more challenging compared to the standard permanent employment contract (umowa o pracę), which banks generally prefer.

It largely depends on the bank—some are more accommodating to civil law contracts or B2B income. The key factors are the amount of income, its stability, and the duration of the contract.

We guide our clients to banks that accept various income sources, including civil law contracts and B2B contracts. We assist in preparing the appropriate documentation.