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Mortgage in Poland –
An Effective Solution for Foreigners
With Prosto Project™ Mortgage support, you get guarantees, professionalism, and care for your interests.
We’ll help you gather all the necessary documents, choose a bank, and arrange the deal on the most favorable terms for you.
We’ll help you gather all the necessary documents, choose a bank, and arrange the deal on the most favorable terms for you.
About Us
Professional Support and Reliable Solutions
Prosto Project™ Mortgage is a team of professionals dedicated to helping foreigners secure a mortgage in Poland.
Our representatives are affiliated mortgage brokers authorized by the Polish Financial Supervision Authority (KNF), a state body that regulates Poland's financial market and ensures transparency and safety in transactions.
This confirms our high level of professionalism and reliability. We provide a full range of services: from analyzing your financial capabilities to signing a contract with the bank.
Stages of Mortgage Arrangement
An effective process structure to achieve your goals
Credit Interview
The first step towards a successful mortgage application. At this stage, we will conduct a detailed financial interview to answer all your questions and understand your situation. We’ll perform a preliminary analysis of your financial capacity, define key priorities, and discuss how Prosto Project™ Mortgage can assist you.
Creditworthiness Assessment
We will assess your creditworthiness to determine the mortgage amount you can expect. If there are limitations, we will suggest solutions to improve your creditworthiness, such as income optimization or additional guarantees.
[Assess Your Creditworthiness] Personalized Mortgage Offer
We will prepare a comparison of mortgage offers from various banks, considering your needs and financial capabilities. Together, we’ll discuss the pros and cons of each option to choose the best solution.
Action Plan
Together, we will develop a clear action plan that will lead you to successfully obtaining a mortgage.
Financial Literacy as a Bonus
Throughout the mortgage application process, you will gain not only support but also valuable financial knowledge. We will explain the key aspects of the credit system so you feel confident and can make more informed decisions in the future.
Foreigners with legal residency status in Poland can apply for a Mortgage. This includes a residence permit (Karta Pobytu), a work visa, or an official work permit. Banks verify the legality of the client's stay in Poland, making one of these documents a mandatory requirement. Additionally, it is crucial to have verified income, which can be demonstrated through a certificate from your employer, bank statements, or other documents proving stable and regular income.
The number of commercial banks under domestic control is 13, and under foreign control is 16.
We work with all of them.
We work with all of them.
Learn More About the Banks
For foreigners in Poland, the best mortgage conditions are offered by major banks such as
PKO Bank Polski, Santander Bank Polska, ING Bank Śląski, and Millennium Bank.
These banks actively work with non-residents, offering programs with low interest rates, flexible repayment terms, and the option to submit documents in English. We collaborate with these financial institutions to ensure our clients have access to the most favorable terms.
PKO Bank Polski, Santander Bank Polska, ING Bank Śląski, and Millennium Bank.
These banks actively work with non-residents, offering programs with low interest rates, flexible repayment terms, and the option to submit documents in English. We collaborate with these financial institutions to ensure our clients have access to the most favorable terms.
FAQ
Yes, foreigners can apply for a mortgage in Poland. The main requirement is legal residency, which can be confirmed by a residence card (Karta Pobytu), a work visa, or a temporary residence permit. You also need to have a stable and verified income, a good credit history, and a down payment (typically 10% to 20% of the property's value).
Many Polish banks, such as PKO Bank Polski, Millennium, and mBank, offer mortgage programs specifically tailored for foreign nationals. Our experts are here to assist you in preparing the required documents and selecting the most favorable terms.
Many Polish banks, such as PKO Bank Polski, Millennium, and mBank, offer mortgage programs specifically tailored for foreign nationals. Our experts are here to assist you in preparing the required documents and selecting the most favorable terms.
The minimum income required for a mortgage in Poland depends on the property's value, the size of the down payment, the loan term, and the interest rate. For example, if you are applying for a mortgage of 600,000 PLN with a monthly payment of approximately 4,000 PLN, the bank may require a minimum verified income of 8,000 to 10,000 PLN per month.
Foreigners should also note that banks only consider stable income sources, such as salary or business income, verified by an employment contract (Umowa o pracę), Umowa zlecenie, or tax returns. Our specialists can assist you in assessing your financial capabilities and preparing all necessary documents for a successful mortgage application.
Foreigners should also note that banks only consider stable income sources, such as salary or business income, verified by an employment contract (Umowa o pracę), Umowa zlecenie, or tax returns. Our specialists can assist you in assessing your financial capabilities and preparing all necessary documents for a successful mortgage application.
The mortgage process in Poland typically takes 4 to 8 weeks, depending on several factors:
- Document Preparation: Collecting and translating the required documents usually takes 1 to 2 weeks, especially if you seek professional assistance.
- Bank Application Review: After submitting your application, the bank will verify your documents, assess your income, credit history, and the property itself. This process takes 2 to 4 weeks, depending on the bank and case complexity.
- Contract Signing and Notary Procedures: Once your application is approved, signing the mortgage agreement, paying the down payment, and registering the property in the land registry (Księga Wieczysta) may take an additional 1 to 2 weeks.
Yes, foreigners can obtain a mortgage in Poland even without a credit history in the country. Banks make decisions based on your financial reliability, such as income stability, legal residency status, and other supporting documents.
Polish banks typically require a down payment of 10% to 20% of the property’s price:
- 10% Down Payment: The minimum amount available under certain conditions, such as high borrower creditworthiness or participation in verified property programs.
- 20% or More: Preferred by most banks, as a higher down payment reduces risks and often comes with better terms, including lower interest rates.
In Poland, mortgages are typically offered for terms ranging from 5 to 35 years, depending on your preferences, age, and financial capacity:
We will help you choose the optimal loan term that fits your financial goals and circumstances.
- Minimum Term – 5 Years: Ideal for borrowers who want to repay their loan quickly and reduce the total interest paid. However, monthly payments will be higher.
- Optimal Term – 20–25 Years: The most common choice among borrowers, as it balances manageable monthly payments with a reasonable total repayment amount.
- Maximum Term – 35 Years: Available primarily for younger borrowers, this option minimizes monthly payments but increases the overall cost of the loan.
We will help you choose the optimal loan term that fits your financial goals and circumstances.
The mortgage interest rate in Poland for foreigners typically depends on several factors, including credit history, down payment size, and the chosen bank. In 2024–2025, the average interest rates are as follows:
- Variable Rate: Usually ranges from 6% to 9% annually. It is tied to the WIBOR base rate, which is periodically adjusted, potentially affecting monthly payments.
- Fixed Rate: Some banks offer fixed rates for 5–10 years, ranging from 8% to 10% annually. This option provides protection from market fluctuations, but fixed rates are often higher than variable ones.
- Customized Conditions: Foreigners with a high down payment (20% or more) or stable income may qualify for more favorable rates.
Free Consultation
Leave your phone number to receive expert assistance in selecting the right mortgage.
No hidden fees – our work is paid by the banks.
No hidden fees – our work is paid by the banks.
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Why Choose the Prosto Project™ Business Group
Three Focus Areas — One Standard of Quality
- ExpertiseThe specialists of the Prosto Project™ business group are certified intermediaries in the fields of Real Estate and Legalization and perform their duties in accordance with the standards and etiquette of the Polska Federacja Rynku Nieruchomości and the Komisja Nadzoru Finansowego.
- Convenient PaymentAccording to our Client Service Policy, payment for most services is made after completion. This demonstrates our commitment to getting the job done quickly and efficiently.
- Liability InsuranceThe professional activities of the specialists at Prosto Project™ are covered by PZU insurance with a client benefit amounting to over 2,000,000 EUR.
PROSTO PROJECT™
Spółka z ograniczoną odpowiedzialnością
Spółka z ograniczoną odpowiedzialnością
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