5.0 from 599 Google reviewsKNF register RHA0013513
Your mortgage in Poland, explained in plain English
We find out which of 13 Polish banks will lend to you with your residence status and income, then compare their offers in writing. An expert calls you back within 24 hours. Our help is free for you.
- Which banks accept your residence card, PESEL and type of contract
- Instalment, margin, fees and APR from several banks side by side
- Phone or video call, wherever you live in Poland
We speak English and Polish, so you can talk to us in English.
We compare offers from: Alior Bank · Bank BPS · Bank Millennium · Bank Pekao · BNP Paribas · BOŚ Bank · Credit Agricole · Erste Bank Polska · ING Bank Śląski · mBank · PKO Bank Polski · SGB-Bank · VeloBank
Who we help
Buying a home in Poland as a foreigner
Banks look at foreign applicants differently. Pick your situation to see what to expect.
How it works
From the first call to the keys
You tell us your situation
Four short questions: goal, city, amounts and residence status. It takes about a minute.
You decide if you want a callAn expert calls you within 24 hours
We check which banks accept your residence document and income, and how much you can borrow.
You choose the timeYou get a written comparison
Instalment, margin, fees, insurance and total cost at several banks side by side.
You choose the bank
What banks check
Five things Polish banks ask foreigners about
The rules differ more between banks for foreigners than for Polish citizens. Choosing the right bank often matters more than the interest rate.
- Residence. A residence card, or a registration certificate if you are an EU citizen. Many banks check how long the card is valid.
- PESEL. The Polish identification number. Practically every bank requires it.
- Income in złoty. Usually from work in Poland, paid into a Polish bank account, after the probation period.
- Down payment. At least 10% with extra insurance, usually 20%, and some banks ask foreigners for more.
- Credit history. Banks check the Polish credit bureau (BIK). A short history in Poland is common and not a reason to give up.
Who will call you
A registered agent, not a call centre
Piotr Sułkowski and the Kredyt Wrocław team have arranged mortgages since 2016 and hold a 5.0 rating from 599 Google reviews.
- Honest answer first. If no bank will lend to you yet, we tell you on the first call and what to change.
- Written comparison. Instalment, margin, fees, APR and total cost in several banks.
- Help until the notary. Application, valuation, loan agreement and the day of signing.
- No fee from you. The bank pays our commission, and we disclose it before you sign.
FAQ
Questions foreigners ask us
Your question is not here? Call us: +48 571 394 901.
Beware of fraud. We never ask for money up front, and we never ask for your online banking login, password or SMS codes. Our only number is +48 571 394 901.
Can a foreigner get a mortgage in Poland?
Yes. Most Polish banks lend to foreigners who live and work in Poland legally, have a PESEL number and earn in złoty. The details, such as how long your residence card must be valid or how long you must have worked here, differ between banks. That is why we check them before you apply.
Do I need to speak Polish?
Not to work with us. The loan agreement and the notarial deed are in Polish. If you do not speak Polish, the notary must have a sworn interpreter present when you sign, and we help you arrange one.
How much does your help cost?
Nothing. Our commission is paid by the bank with which you sign the loan agreement, and we tell you its amount in writing before you sign. You pay the usual buying costs, such as tax, notary and bank fees, the same as without us.
Can I get a mortgage before I move to Poland?
It is difficult. Most banks expect residence and income in Poland. A few consider income from abroad case by case, usually with a larger down payment. Tell us your situation and we will say honestly whether it is realistic now.
Do I need a permit to buy a flat?
Not for a flat. A foreigner can buy a separate residential unit without a permit. A permit from the Ministry of the Interior is usually needed for a house with land if you are not an EU, EEA or Swiss citizen.