How much do mortgage broker services cost?

All mortgage broker services are completely free-of-charge for the client, with no hidden costs. Not a single PLN is transferred from your account to ours. How is this possible?

Our remuneration is paid by the bank granting the loan. From the bank’s perspective, brokers are a cost-effective sales channel. Unlike bank employees, brokers do not have fixed salaries, paid leave, or sick days — the bank pays us only “for results” (for each loan successfully granted).

You might wonder: does this create a conflict of interest? After all, the broker should act in your best interest, yet is paid by the bank. This is a valid concern. Polish law addresses it by requiring brokers to present at least three offers to the client, along with full disclosure of the broker’s remuneration for each of them (Art. 17 ust. 1 pkt 3 i 6 and Art. 27. ust 2 i 3). This helps prevent unfair practices. Furthermore, broker remuneration doesn’t differ much between the banks hance there is no reason to favor one bank over another.

That being said, it’s still important to check the broker’s experience and reputation before deciding on a relationship. Transparency about the remuneration system is a good measure of professionalism and trustworthiness.

The benefits of working with a broker include:

• Access to multiple banks in one place – unlike a bank employee, a broker can compare many offers efficiently and choose the best one for you.
• Client representation – brokers act solely in your interest, helping with documentation, applications, contract analysis, and deadlines.
• No sales pressure – brokers do not push extra products, unlike some bank employees.
• Ongoing support – brokers monitor your loan, advising on refinancing opportunities to reduce costs when better offers appear.

If you decide not to proceed with a loan, you owe nothing — the service remains entirely cost-free for the client.