A mortgage is the most popular form of financing property purchases in Poland. It is a long-term obligation, secured by a mortgage, granted for purposes such as buying an apartment, building a house, renovations, or refinancing an existing mortgage.
Types of Mortgages:
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Residential Mortgage – for purchasing an apartment or house.
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Construction Mortgage – for individuals building a house.
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Renovation/Finishing Mortgage – for property modernization.
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Mortgage Consolidation – to repay other debts.
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Mortgage Refinancing – transferring an existing mortgage to another bank with better terms (lower installment, new margin, additional funds).
Interest Rates:
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Variable Rate – based on WIRON or WIBOR + bank margin. Monthly payments may fluctuate.
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Fixed Rate – predictable payments for 5–7 years, increasingly popular, especially with unstable interest rates.
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Own Contribution: The minimum is 10–20%. The higher the contribution, the better the mortgage conditions. It cannot come from a loan. Contact Mortgage in Poland to get more information!
This is not yet a formal application to the bank – it’s a convenient, safe, and quick way to:
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Find out the loan amount you may be eligible for,
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Learn the preliminary terms (monthly installment, interest rate, own contribution),
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Check if you can refinance your mortgage and how much you could save.
📩 Once we receive your application, we will contact you within 24 hours.
Take the first step – after reviewing the information you provide, we will get back to you.
Fill out the short form to start a free analysis of your mortgage situation.
We will preliminarily check your creditworthiness.
You’ll receive our mortgage know-how and save valuable time!
We will present proposals for the next steps.
We will compare options across more than 15 banks.
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Fill out the preliminary mortgage form – only 3 minutes!
Preliminary Mortgage Application in Poland
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With over 18 years of experience in the Polish mortgage market, Mortgage Poland is a family-owned boutique advisory firm helping international clients secure property financing across Warsaw and all major cities in Poland.
We specialize in mortgages for foreigners in Poland, offering clear guidance, full transparency, and professional support in 100% English. As an independent mortgage broker in Poland, we cooperate with more than 30 banks and financial institutions, allowing us to compare multiple solutions and identify the most suitable mortgage for your situation.
Our service comes at 0% client commission, with a strong focus on minimizing paperwork and simplifying the entire process. From your first educational consultation to mortgage approval, property purchase, and post-completion support, we remain by your side at every stage.
Whether you are looking for a mortgage in Poland, a trusted mortgage broker Warsaw, or expert assistance with a mortgage for foreigners Poland, our team combines local expertise with international standards of service to help you achieve your property goals with confidence.
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Want to learn more and secure the best mortgage in Poland? MortgagePoland.pl are specialists with over 18 years of experience assisting foreigners in Poland with property purchases and mortgages.
Thanks to our expertise and know-how, you can be confident that you’re always getting the best bank offer available. Contact us today, and we’ll help you analyze your situation and obtain a mortgage that’s both profitable and advantageous for you.
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