Example Mortgage Costs in Poland

The example below illustrates the typical additional costs of purchasing a property in Poland with a mortgage.

Example:

• Property purchase price: 600,000 PLN

• Mortgage amount: 480,000 PLN

• Down payment: 120,000 PLN (20%)

Estimated total additional costs: approximately 34,000 PLN, excluding the 120,000 PLN down payment.

*Bridge insurance is a temporary cost applied by many banks until the mortgage is officially registered in the Land and Mortgage Register. The actual amount depends on the lender and the registration timeline.

The final costs vary depending on the bank, the type of property, whether the purchase is on the primary or secondary market, and whether optional products such as life insurance are required.

Notary and Legal Costs

Every property purchase in Poland must be completed before a Polish notary. In addition to the mortgage, buyers should budget for several legal and administrative costs associated with the transaction.

Notary Fees

The purchase agreement must be signed in the form of a notarial deed (akt notarialny).

Notary fees are regulated by law and depend mainly on:

• the property value,

• the type and complexity of the transaction,

• the number of certified copies required.

For example, when purchasing a property worth 600,000 PLN, total notary costs (including certified copies) are often around 3,000–4,000 PLN, although the exact amount varies.

Certified Copies of the Notarial Deed

Several certified copies of the notarial deed are usually required for:

• the buyer,

• the seller,

• the mortgage bank,

• Land and Mortgage Register proceedings.

Each copy is charged separately, typically 6 PLN + VAT per page.

Other Legal Fees

Additional legal and administrative costs may include:

• Ownership registration fee – 200 PLN

• Mortgage registration fee – 200 PLN

• New Land and Mortgage Register (if required) – 60 PLN

• Mortgage registration tax (PCC) – 19 PLN

• Property Transfer Tax (PCC) – 2% of the purchase price when buying on the secondary market (unless an exemption applies).

Property Purchase Costs

These are costs directly related to acquiring the property rather than obtaining the mortgage itself.

Down Payment

The down payment is usually the largest upfront expense.

Most Polish banks require a minimum down payment of approximately 20% of the property's value, although lower down payment options may occasionally be available under specific conditions.

A higher down payment can improve mortgage affordability and access to better financing terms.

Real Estate Agency Fee

If a real estate agent is involved in the transaction, additional fees may apply.

Agency commissions typically range from approximately 1.5% to 3% of the property value, although the exact amount depends on the agreement and whether the fee is paid by the buyer, seller or both parties.

Property Transfer Tax (PCC)

When purchasing property on the secondary market, buyers may be required to pay Property Transfer Tax (PCC).

The standard PCC rate is:

• 2% of the purchase price.

However, exemptions may apply, including certain first-home purchases.

Properties purchased directly from developers are usually exempt from PCC because VAT is already included in the purchase price.

What Are the Main Mortgage Costs in Poland?

When purchasing a property with a mortgage in Poland, borrowers should prepare for costs that arise before, during and after the mortgage process.

The most common expenses include:

• down payment,
• property valuation,
• bank fees,
• notary fees,
• court fees,
• taxes,
• property insurance,
• life insurance (if required),
• mortgage interest.

Not every cost applies in every transaction, but understanding them in advance can help avoid unexpected expenses.

It depends on the type of transaction.

When purchasing a property on the secondary market, buyers usually pay Property Transfer Tax (PCC) at 2% of the purchase price. However, some exemptions apply, including certain first-home purchases.

Properties purchased directly from developers are generally not subject to PCC because VAT is already included in the purchase price.

Usually, most additional purchase costs must be covered from the borrower’s own funds.

Banks generally finance the purchase price of the property, while expenses such as taxes, notary fees, court fees and insurance should be planned separately.

Many foreign buyers focus primarily on the down payment and monthly mortgage instalment. However, purchasing property with a mortgage in Poland involves several additional costs that should be considered before submitting a mortgage application.

Mortgage costs in Poland can be divided into three main categories:

• property purchase costs,
• bank and mortgage-related costs,
• ongoing ownership and insurance costs.

The exact amount depends on the property value, financing structure, lender requirements and individual circumstances.

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