Mortgage in Poland
We check your creditworthiness, compare available bank offers, and guide you through the entire process of financing a property purchase — from the initial analysis to the disbursement of funds.
We cooperate with 16+ banks in Poland. We analyse the client's situation before submitting applications to select solutions that match their income, obligations, form of employment, and planned property.
Support from creditworthiness analysis to loan disbursement
A mortgage is not just about comparing interest rates. Banks assess income, obligations, employment form, and the property itself differently. That is why we start by analysing the client's situation and only then select solutions worth considering.
Preliminary creditworthiness analysis
We analyse income, obligations, employment form, and basic information about the planned purchase. This allows us to preliminarily determine the possible budget even before submitting an application.
Comparing bank offers
We cooperate with 16+ banks in Poland. We compare available financing solutions taking into account the client's situation and the parameters of the planned loan.
Mortgage process support
We help prepare documents, coordinate the submission of applications, and guide the client through each stage — from the initial analysis to signing the loan agreement and disbursement of funds.
Free for the client
Consultation, preliminary creditworthiness analysis, and mortgage process support are free of charge for the client. The mortgage broker's fee is paid by the bank.
Calculate your estimated mortgage payment
See how the down payment amount, loan term, and interest rate affect your estimated monthly payment.
Current average rate in Polish banks — 5.5–7%
What we analyse before choosing a bank
The same financial situation can be assessed differently by different banks. Before starting the process, we check the key factors that may affect available financing.
Income
We analyse the amount and sources of income as well as the method of documenting them.
Employment form
An employment contract, business activity, or other income sources may be assessed differently by individual banks.
Financial obligations
We take into account existing loans, limits, credit cards, and other obligations affecting creditworthiness.
Credit history
The history of obligations, including BIK data, can affect the bank's assessment of the application.
Down payment
The required down payment level depends on the bank, the property, and the client's specific situation.
Property
The bank assesses not only the borrower but also the property serving as loan collateral. Therefore, its documentation and legal status are part of the financing process.
How the mortgage process works
We guide the client through each stage of financing a property purchase — from the initial analysis to the disbursement of funds.
Preliminary creditworthiness analysis
We analyse income, employment form, obligations, and the planned budget. We preliminarily determine the possible level of financing before submitting applications.
Property selection
If a property has not yet been chosen, we can combine the financing process with our property purchase service and search for an object matching the established budget.
Document preparation
After selecting the property, we determine the documents required by the bank and help prepare the loan application.
Applications and offer comparison
We coordinate the submission of applications to selected banks and compare the obtained financing terms.
Decision and loan agreement
After receiving the decision, we discuss the financing terms and the next steps related to signing the loan agreement and purchasing the property.
Finalisation and loan disbursement
We coordinate the stages related to finalising the purchase, establishing the required collateral, and disbursing the funds in accordance with the bank's terms.
Your mortgage specialist
Ksenia Vartanova
Mortgage expert · KS Finance
KNF register entry: RHA 0018964
Ksenia specialises in financing property purchases and guides clients through the entire mortgage process — from the preliminary creditworthiness analysis, through bank selection and document preparation, to signing the agreement and loan disbursement.
Consultation and mortgage process support are free of charge for the client.
Why the choice of bank matters
Banks can assess the same client differently. Age, employment form, income structure, obligations, family situation, and the parameters of the property being purchased all play a role.
An example is the situation of clients with a complex income structure, where one source was an employment contract and the other a contract of mandate. The previous assessment of their financing options was very conservative.
After re-analysing the situation and choosing a bank that properly took both income sources into account, the clients received a positive mortgage decision and were able to finance the purchase of an apartment in a new development.
The same client profile does not necessarily lead to the same decision at every bank. That is why, before submitting an application, we analyse the situation and select banks whose criteria match the specific case.
Frequently asked questions about mortgages
How long does it take to get a mortgage?
The timeline depends on the bank, the completeness of documents, the client's situation, and the property. Different banks may have different review periods, so it is not possible to guarantee a single process duration for every transaction.
What down payment is required?
The required down payment depends on the bank, the type of property, and the client's situation. When analysing financing, we check which solutions are available for the specific case.
Where to start — with checking creditworthiness or choosing a property?
It is best to start with a preliminary creditworthiness analysis. It allows you to determine an approximate purchase budget and check what financing may be available even before selecting a property. This way you can look for offers that match your real financial capabilities.
Can you get a mortgage with business income?
Yes, income from business activity can be the basis for obtaining a mortgage. However, banks differ in the way they assess the business, the required period of its operation, and financial documentation.
Is it possible to get a loan with income from multiple sources?
In many cases, yes. The possibility of taking several income sources into account and the method of calculating them depend on the policy of a specific bank.
Can a mortgage be repaid early?
As a rule, a mortgage can be repaid partially or fully before the end of the term. The detailed terms and any costs of early repayment depend on the loan agreement and applicable regulations.
Explore your mortgage options
Complete the short form and we will contact you to discuss financing options, your deposit and the next steps towards applying for a mortgage.