Explore our services. Mortgage loans

The average duration of the entire mortgage process—from client’s first contact with us to the disbursement of funds is about 2–3 months. Thanks to our experience and, under favorable circumstances, we can shorten this period to as little as 30 days.

A loan comes with various costs, but there are ways to reduce them. The most important is to research the market carefully and choose the most affordable offer that still meets all your needs. This is crucial because the total cost of the same loan (same amount, term, down payment) can differ by hundreds of thousands of PLN depending on the bank.

Beyond choosing a cost-effective offer, you can reduce the loan’s cost by:

• Selecting a promotional offer (so-called “cross-sell”) — though it’s important to calculate if it’s truly beneficial
• Making a larger down payment, which reduces the amount borrowed
• Shortening the loan term
• Making regular overpayments
• Refinancing the loan when needed

These strategies, combined with professional guidance, can help significantly lower the overall cost of your loan.

A mortgage broker provides access to a range of services that are not available elsewhere, including:

• Creditworthiness analysis across multiple banks simultaneously
• Comparison of offers from multiple banks and selecting the most affordable option tailored to the borrower’s needs
• Client education about the loan process, credit terms, and associated risks
• Assistance with gathering all necessary documents
• Submitting loan applications to banks and negotiating terms on your behalf
• Review and analysis of loan agreements
• Support in managing and servicing the loan after disbursement

Working with an expert speeds up the entire process and saves the client a significant amount of time. It can also greatly reduce stress and uncertainty, especially for first-time borrowers.

Considering that all of this is available to the client free of charge, using a professional mortgage broker is a highly efficient and secure way to obtain a loan.

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.

A mortgage loan (kredyt hipoteczny) is a purpose-specific loan, which means that, unlike a general mortgage-backed loan (pożyczka hipoteczna), it can only be taken out for a specific purpose approved by the bank. The most common purposes for mortgage loans in Poland include:

• Purchase of an apartment or house (primary or secondary market)
• Purchase of land
• Construction or completion of a house
• Renovation, expansion, modernization or adaptation of a property
• Refinancing an existing mortgage loan

Yes. Submitting applications to multiple banks at the same time is a common practice, and we routinely do this for our clients. It can increase the chances of securing a loan and provides greater security for the transaction.

We assist our clients with the application process and, once all necessary documents are gathered, we monitor the entire procedure and provide regular progress reports.

If you want a quick estimate of your creditworthiness (zdolność kredytowa), you can use our creditworthiness calculator available in the Tools section. Based on a few basic details, the calculator provides an approximate value you can expect. Please note that the result is a preliminary estimate based on limited information. Actual creditworthiness depends on many factors, may vary between banks, and can change over time.

Is it worth going directly to a bank to obtain your creditwortiness assessment? Certainly, a bank can calculate and present your creditworthiness accurately—but only within its own system. To get a precise estimate across multiple banks in one go, it’s best to consult a professional mortgage broker, which we highly recommend.

We calculate our clients’ creditworthiness across all major banks operating in Poland. When necessary, we also advise on legal and practical ways to improve it.

The minimum down payment (wkład własny) is usually 20% of the property’s purchase or construction value. Some banks accept as little as 10%, if additional insurance is provided, often in the form of a temporarily or permanently increased margin (interest).

Importantly, the down payment is not paid to the bank. For property purchases, it is transferred directly to the seller. In the case of construction, it can be provided in the form of the plot purchased in cash or materials and construction services that you have financed yourself.

You can learn more about down payments in our dedicated article on this topic.

To apply for a mortgage loan (kredyt hipoteczny), you will need the following documents:

Personal documents: ID card, mortgage application, and related attachments.

Financial documents: income certificates on the bank’s form, salary transfers from the last 3/6/12 months, bank statements, tax returns (PIT), and, if applicable, accounting records (KPiR).

Property documents: excerpt from the land and mortgage register, preliminary agreement and property valuation report.

The complete list of required documents may vary depending on the bank, the type of transaction (purchase or construction), and your source of income. After selecting the best offers, we provide each client with a full list of required documents. We also assist in gathering them to ensure the process is smooth and stress-free.

A mortgage involves a range of non-interest costs. The most significant include:

• Loan origination fee (if applicable) (prowizja banku) – typically 1–2% of the loan amount.
• Real estate agency commission (if applicable) (prowizja biura nieruchomości)– 0–4% of the transaction value.
• Notary fees for preliminary/developer/reservation agreements.
• Notary fees for property transfer deed – for properties priced between PLN 60,000 and 1,000,000, the maximum notary fee is PLN 1,010 + 0.4% of the amount exceeding PLN 60,000 + VAT. On the secondary market, the notary may also charge a 2% civil law transaction tax (PCC) on the purchase agreement, unless exempted (e.g., first property purchase).
• Insurance premiums – including property insurance, life insurance, or unemployment insurance.
• Property valuation (appraisal) – PLN 500–1,000.
• Inspection fees (for construction projects) – PLN 150–300.
• Court fee for mortgage registration – PLN 200.
• Mortgage registration tax – PLN 19.
• Court fee for registering the bank’s mortgage – PLN 150.

These costs should be factored into the total budget, as they can significantly impact the overall expense of obtaining a mortgage.

Mortgage loans (kredyty hipoteczne) in Poland are granted for terms ranging from 15 to 35 years.

A longer term results in a lower monthly installment, which allows for a higher maximum loan amount. However, this also leads to a higher total cost of the loan. Conversely, a shorter term means higher monthly payments, lower borrowing capacity, but lower total interest over the life of the loan.

This principle applies only up to a 25-year loan term. According to the recommendations of the Polish Financial Supervision Authority (KNF), banks calculate creditworthiness based on a 25-year term, even if the actual loan term is longer. In practice, this means that if a borrower does not have sufficient creditworthiness for a 25-year loan, extending the term will not increase their borrowing capacity.