In Polish: Pośrednik kredytu hipotecznego
This is the word you will see in bank documents.
Definition
A mortgage credit intermediary (pośrednik kredytu hipotecznego) is a business that is not a bank and, for remuneration, presents mortgage agreements to consumers, helps with formalities before the agreement or concludes agreements on behalf of the lender. It must be entered in the KNF register, with a number starting with RPH. The Act divides intermediaries into tied and untied.
What it means for you
The type of intermediary decides how many offers you see: an untied one compares many banks, a tied one works for one or a limited number. The intermediary must tell you this before the service, together with information on its remuneration. It has compulsory liability insurance that protects you against damage caused in intermediation, including by its agents.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What is a tied intermediary?
An intermediary working for one lender, one group or a limited number of lenders making up less than half the market. It must tell the client that it is tied and to whom.
Must a mortgage intermediary have a KNF licence?
An untied intermediary operates under a KNF licence. A tied intermediary is entered in the register by the lender. Every mortgage intermediary must have an entry with an RPH number.
Who pays a mortgage intermediary?
Usually the bank, as a commission on the loan granted. A fee from the client is allowed, but you must know the amount or how it is calculated 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”