In Polish: Agent kredytu hipotecznego
This is the word you will see in bank documents.
Definition
A mortgage credit agent (agent kredytu hipotecznego) is a business that carries out mortgage intermediation in the name and on behalf of only one intermediary, under an agency agreement. It must be entered in the KNF register, with a number starting with RHA. The intermediary is fully and unconditionally liable for the agent's actions towards customers.
What it means for you
An agent compares the offers of banks its intermediary works with, helps with documents and handles the application. It is paid by the intermediary, who is paid by the bank, so you usually do not pay for the service. Check the entries of both the agent and the intermediary it represents, because the intermediary is liable for any damage.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What is the difference between an agent and a mortgage intermediary?
An intermediary acts in its own name on the basis of a KNF register entry (RPH number). An agent acts in the name and on behalf of only one intermediary (RHA number), and the intermediary is fully liable for its actions.
Must a mortgage agent be registered with the KNF?
Yes. An agent must be entered in the register, and the application is filed by the intermediary on whose behalf the agent acts.
Who pays a mortgage agent?
The agent is paid by the intermediary, and the intermediary usually by the bank. A fee from the client is allowed only if disclosed before the service starts.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Institutions and experts”