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Refinancing calculator: what you save by moving your mortgage

Enter your instalment, margin and bank. You will see what you save each month and by the end of the loan if you move it to another bank, what switching costs, and after how many months the costs pay back.

We have filled in a sample instalment, term and margin. Change the margin to the one in your loan agreement to see what you save.

What do you know about your loan?

One is enough. From the instalment and the interest rate we work out how much principal is left.

The equal instalment from your banking app or schedule, without insurance.

In the first 3 years the bank may charge an early repayment fee on a variable-rate loan.

Default: the average margin in new loans (AMRON-SARFiN report, II kw. 2026), 1.82%. Change it to yours: in the agreement it is the “bank margin”, the fixed part of the rate on top of WIBOR.

Value as of 30.10.2026. We use the same reference rate for the new loan, so the difference comes from the margin.

We will show what your bank advertises to new customers today.

Compare with the margin

The average is the margin in new loans from the AMRON-SARFiN report (II kw. 2026). Typical is the median “from” margin of 13 banks in current offers (1.11.2026). Lowest is the “from” margin in banks' representative examples (today 1.62%, Credit Agricole), usually with an account and insurance.

Switching costs change if you know them

Empty: we apply Article 40 of the Polish Mortgage Credit Act (up to 3% in the first 3 years, no more than one year of interest, then 0). With a fixed rate, enter the compensation from your agreement.

Banks often waive it for refinancing.

A valuation report for the new bank, usually PLN 400–1,000. Some banks refund it.

Notarised mortgage declaration, PLN 200 court fee for the new mortgage and PLN 100 to delete the old one.

Until the court registers the new mortgage, some banks raise the margin or require bridging insurance. Empty: the surcharge from the documents of the bank with the lowest margin, 0 for other comparisons.

How long the court takes depends on the city. Check with your court or leave 3.

Policies the new bank requires, or gives a lower margin for, that you do not pay today. You can usually keep your home insurance by assigning it to the new bank. We deduct it from the savings for the whole term.

Some banks add cash for any purpose to the new loan. We still calculate the saving for the principal you move and show the cash separately.

A longer term lowers the instalment but raises the cost.

E.g. a fixed rate. Then the margin is not needed.

Your figures stay in your browser. We do not save them and do not check the credit bureau (BIK).

Your result

Enter the margin from your loan agreement. The instalment and term are already filled in. The result will appear here straight away.

When refinancing pays off

  • Your margin is 0.3 pp or more above today's offers. Loans taken in 2021–2023 or with a small down payment often have high margins.
  • Your loan is more than 3 years old. With a variable rate the bank can no longer charge an early repayment fee, so switching costs are mainly the valuation and registry fees.
  • Your fixed-rate period is ending. The bank will offer new terms anyway. Compare them with other banks before you accept.
  • More than 10 years are left. With a shorter term the saving is small and the costs are the same.

The new bank checks your income, credit history and residence status again, as for a new loan. If your residence card expires soon, some banks will shorten the term or ask for more documents.

How we calculate

Your current rate is your margin plus today's reference rate. From the instalment we work out the principal left. The new loan is the same principal, the same reference rate and the market margin or the one from your offer. Switching costs are the early repayment fee, arrangement fee, valuation, notary, registry fees and the higher margin until the new mortgage is registered. Break-even is the number of months after which the lower instalments exceed the costs.

Frequently asked questions

How much does it cost to move a mortgage to another bank in Poland?

Usually PLN 1,000–3,000: a property valuation, a notarised mortgage declaration, PLN 200 to register the new mortgage and PLN 100 to delete the old one. Add the new bank’s fee if it charges one, an early repayment fee if your agreement allows it, and at some banks a higher margin or bridging insurance until the new mortgage is registered.

Can my bank charge a fee for early repayment?

With a variable rate only in the first 36 months of the loan, at most 3% of the amount repaid and no more than one year of interest (Article 40 of the Mortgage Credit Act). With a fixed rate the bank may charge compensation during the fixed period, as set out in the agreement. Some banks charge nothing.

Can a foreigner refinance a mortgage in Poland?

Yes, on the same terms as a new loan: the new bank checks your income in złoty, your credit history and your residence documents. See our guide to mortgages for foreigners.

How long does refinancing take?

Usually 4–8 weeks: application and decision, valuation, signing, the new bank paying off the old loan, and then deleting the old mortgage from the land register.

Should I refinance or negotiate with my current bank?

Start with an offer from another bank and show it to your current one. Some banks lower the margin to keep a customer. If they do not, refinancing solves it.

This guide describes general rules and typical bank practice as of October 2026. Details

It is not legal or tax advice and not a bank offer. Each bank sets its own criteria, and the lending decision is always made by the bank.