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How to Get a Mortgage in Poland – Full 2025 Guide
If you're planning to buy a property in Poland – whether you’re relocating, investing, or settling down – understanding the Polish mortgage system is essential. At ReFinansujemy.com, we specialize in helping expats and international buyers navigate the process smoothly.
This guide will walk you through everything you need to know: from using a mortgage Poland calculator to checking current mortgage Poland rates and working with a mortgage advisor Poland who speaks your language.
Can Foreigners Get a Mortgage in Poland?
Yes, non-residents and foreigners can get a mortgage in Poland, but the requirements can vary depending on your nationality, residency status, and income source. EU citizens typically have easier access, but even if you're from outside the EU, it’s absolutely possible – especially with a mortgage advisor Poland guiding you.
Key Requirements for a Polish Mortgage
Here’s what you’ll usually need:
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Valid passport or ID
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Proof of income (employment contract, business income, etc.)
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Credit history (Polish or international)
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Down payment (usually 10–20%)
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Property valuation (done by a licensed appraiser)
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PESEL number (Polish tax identification number)
Our mortgage advisor Poland can help you gather these documents and prepare a complete application.
How Much Can You Borrow in Poland?
The amount you can borrow depends on your income, creditworthiness, and the property type. In 2025, most banks in Poland will finance up to 80–90% of the property value.
Use our mortgage Poland calculator to estimate your maximum loan amount and monthly installments.
👉 Use Mortgage Poland Calculator
Average Mortgage Poland Rates in 2025
Polish mortgage interest rates have stabilized in 2025, with fixed rates starting from 6.2% and variable rates (WIBOR + margin) around 7.1%.
| Type | Average Rate (2025) |
|---|---|
| Fixed 5 years | 6.20% – 6.80% |
| Variable | 6.90% – 7.30% |
| Euro or USD Loans | 5.80% – 6.50%* |
*Note: Foreign currency loans are only available to clients earning in that currency.
Step-by-Step: How to Get a Mortgage in Poland
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Initial consultation with a mortgage advisor Poland
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Use our mortgage Poland calculator to assess your budget
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Collect and submit documentation
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Property valuation
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Bank decision (usually within 2–4 weeks)
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Sign the mortgage agreement
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Finalize the notary transaction and property registration
Mortgage Poland Calculator – What It Does
Our online calculator helps you:
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Estimate monthly mortgage payments
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Compare different mortgage Poland rates
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Simulate various down payments
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Choose between fixed or variable rate options
This is your first step before even choosing a property.
👉 Try the mortgage Poland calculator now and plan with confidence.
Fixed vs Variable Rates – What’s Better in Poland?
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Fixed-rate mortgages offer stability and peace of mind. Ideal if you want predictable monthly costs.
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Variable-rate mortgages can be cheaper initially but are tied to the WIBOR rate, which may fluctuate.
In 2025, many buyers prefer fixed mortgages due to market uncertainty. Ask your mortgage advisor Poland which option suits your situation best.
Required Down Payment in Poland
The minimum down payment is usually 10%–20%. Some banks may require more for foreigners or specific property types (e.g., land plots).
We can help you identify banks with the lowest entry barriers.
Mortgage for Investment Properties in Poland
Buying an apartment for rental income? Foreigners can apply for investment mortgages, but some restrictions apply. Let our mortgage advisor Poland explain the details.
Common Pitfalls to Avoid
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Choosing the wrong bank or product
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Underestimating notary/tax fees
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Currency mismatch (e.g., earning in USD, loan in PLN)
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Incomplete documentation
We’ve helped hundreds of expats avoid these mistakes. Book a call with our team today.
Why Work with a Mortgage Advisor Poland?
An independent mortgage advisor Poland:
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Compares offers from multiple banks
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Speaks your language
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Maximizes your borrowing potential
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Helps you understand legal and tax implications
We are not tied to one bank – we work for you.
About ReFinansujemy.com – Helping Expats Since 2007
With over 18 years of experience, our bilingual team supports clients from the UK, USA, Germany, Ukraine, France, and beyond. Whether you're buying your first apartment in Warsaw or refinancing a villa in Krakow, we make it happen.
Our mortgage advisors Poland are certified, responsive, and focused on results.
FAQ – Mortgage Poland 2025
1. Can foreigners apply for a mortgage in Poland?
Yes, both EU and non-EU citizens can apply, though conditions vary.
2. What is the average interest rate for mortgages in Poland in 2025?
Fixed rates start around 6.2%; variable around 7.0%.
3. Do I need a PESEL to apply for a mortgage?
Yes, a PESEL number is required by most banks.
4. How long does the mortgage approval process take?
Usually 2–6 weeks after document submission.
5. Can I get a mortgage in EUR or USD?
Only if your income is in that currency.
Need Help? Contact a Mortgage Advisor Poland Today
✔ Multilingual team ✔ 1000+ happy clients ✔ Personalized support
👉 Start with a free consultation or use our Mortgage Poland Calculator to begin.
ReFinansujemy.com – Trusted Mortgage Experts in Poland.
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