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:
-
Residential Mortgage – for purchasing an apartment or house.
-
Construction Mortgage – for individuals building a house.
-
Renovation/Finishing Mortgage – for property modernization.
-
Mortgage Consolidation – to repay other debts.
-
Mortgage Refinancing – transferring an existing mortgage to another bank with better terms (lower installment, new margin, additional funds).
Interest Rates:
-
Variable Rate – based on WIRON or WIBOR + bank margin. Monthly payments may fluctuate.
-
Fixed Rate – predictable payments for 5–7 years, increasingly popular, especially with unstable interest rates.
-
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:
-
Find out the loan amount you may be eligible for,
-
Learn the preliminary terms (monthly installment, interest rate, own contribution),
-
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.
The administrator of personal data is ADDWISE Sp. z o.o., which processes personal data for purposes and under conditions specified in the Privacy Policy. Giving consent is voluntary. I acknowledge that I have the right to withdraw my consent at any time without affecting the lawfulness of prior processing. More information about personal data protection can be found in the Privacy Policy.
Fill out the preliminary mortgage form – only 3 minutes!
Preliminary Mortgage Application in Poland
The data controller is ADDWISE Sp. z o.o., which processes personal data for the purposes and under the terms specified in the Privacy Policy. Providing consent is voluntary. I acknowledge that I have the right to withdraw my consent at any time without affecting the lawfulness of the processing carried out prior to its withdrawal. For more information about the protection of personal data, please see the Privacy Policy.
Join Our Facebook Group for Mortgages in Poland
Stay up to date with the latest news, tips, and opportunities for mortgages in Poland.
Want to learn more and secure the best mortgage in Poland? ReFinansujemy.com 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.
Get a Free Consultation!
Media społecznościowe
YouTube