fintakt

Mortgage in Poland

Mortgage in Poland for foreigners

Yes — foreigners who live and work in Poland can get a mortgage from a Polish bank. Banks look mainly at your residence status, your income in Poland and your credit history. Each bank sets its own rules for foreign clients, so the same person can be accepted by one bank and declined by another. An English-speaking mortgage expert will check where your situation fits best.

Talk to an expert in EnglishHow it works
Klaudia SałapaKlaudia SałapaMortgage expert · EnglishKNF register ✓

Key facts

Key facts

  • Legal residence

    A residence document and a PESEL number.

  • Income in Poland

    Banks usually require income in PLN.

  • Down payment

    Typically 20% of the price; 10% in some banks with extra security.

  • Buying a flat

    No special permit needed.

  • Loan in PLN

    Repaid in Polish zloty.

  • Expert in English

    Free of charge for you.

Eligibility

Can I get a mortgage in Poland as a foreigner?

Yes. What matters most is not your nationality but your situation in Poland: how long you can legally stay, where your income comes from and how long you have been working here. Citizens of the EU and EEA are usually treated similarly to Polish clients. For citizens of other countries, banks look more closely at the type and validity of the residence document.

Bank assessment

What banks look at

  • Residence status

    The type of your residence document and how long it remains valid.

  • Income

    Its source (employment, contract, business) and stability. Banks usually expect income paid in PLN into a Polish bank account.

  • Work history in Poland

    How long you have been working or running a business here.

  • Credit history

    Your record in the Polish credit bureau (BIK). A short history is not a problem in itself, but it matters.

Every bank weighs these differently — especially residence documents. Your expert will tell you which banks accept your situation before you apply.

Not sure if your residence card is enough? Ask an expert — in English.

Talk to an expert

Property

Buying property in Poland as a foreigner

  • A flat — you can buy it without a special permit.
  • A house with land or a building plot — citizens of non-EU countries usually need a permit from the Polish Ministry of the Interior.
  • At the notary— the deed is signed in Polish. If you don't speak Polish, a sworn translator takes part in the signing.

Your expert will explain what applies to the property you are looking at.

Documents

What documents will I need?

Your application consists of four groups of documents:

  • Identity and residence

    Passport, residence document, PESEL.

  • Income

    Documents confirming your income in Poland.

  • Property

    Documents of the flat or house you are buying.

  • Other commitments

    Information about your other loans.

Your full, personal list of documents — including what banks check for foreign clients — will be prepared by your expert.

Check your creditworthiness in Poland — with an expert

Polish banks assess foreign clients in their own way: residence status, income in PLN and work history in Poland all count. Leave your details — an expert will analyse your situation and tell you which banks are worth applying to.

Request a consultation

Language of the conversation · Język rozmowy

For information only; the Polish version is binding: „I consent to Trinity House and Finance Sp. z o.o. transferring my personal data provided in the form above for the purpose of being contacted by ANG Odpowiedzialne Finanse S.A., with its registered office in Warsaw, ul. Dziekońskiego 1, and being presented with details of the financial product I am interested in.”

Free of charge · No obligation · We call you back

Step by step

How it works

  1. Step 1: Leave your details

    In the form below.

  2. Step 2: Talk to an expert in English

    your expert helps

    About your situation, income and the property.

  3. Step 3: Comparison of banks

    your expert helps

    The expert checks which banks accept your situation and compares their offers.

  4. Step 4: Application and decision

    your expert helps

    The expert helps you prepare documents and stays in touch with the bank.

  5. Step 5: Signing

    Loan agreement and notarial deed, with a sworn translator if needed.

Mortgage expert

Why work with a mortgage expert?

  • Knows which banks work with foreign clients — and on what terms.
  • Compares offers from several banks, not just one.
  • Handles the Polish paperwork with you, in English.
  • Registered with the Polish Financial Supervision Authority (KNF) — you can check it yourself.
  • Our experts don't charge you a fee — they are paid by the bank.

English-speaking mortgage experts

  • Klaudia SałapaKlaudia SałapaSpeaks English, Polish, UkrainianKNF register ✓

Contact

Talk to a mortgage expert

Leave your details and choose the language of the conversation — an expert will call you back.

Information about the intermediary — Polish version (binding)

Fintakt prowadzi Trinity House and Finance Sp. z o.o. z siedzibą w Warszawie — agent pośrednika kredytu hipotecznego ANG Odpowiedzialne Finanse S.A., wpisany do Rejestru Pośredników Kredytowych prowadzonego przez Komisję Nadzoru Finansowego pod numerem RHA0017381 (sprawdź wpis).

Nie świadczymy usług doradczych w rozumieniu ustawy o kredycie hipotecznym. Przedstawiamy oferty kredytodawców, z którymi współpracuje ANG. Za naszą usługę nie płacisz — wynagrodzenie otrzymujemy od kredytodawcy.

Pełna informacja o pośredniku →

Request a call

Language of the conversation · Język rozmowy

For information only; the Polish version is binding: „I consent to Trinity House and Finance Sp. z o.o. transferring my personal data provided in the form above for the purpose of being contacted by ANG Odpowiedzialne Finanse S.A., with its registered office in Warsaw, ul. Dziekońskiego 1, and being presented with details of the financial product I am interested in.”

Free of charge · No obligation · We call you back

FAQ

Frequently asked questions

Do I need a PESEL number?
In practice, yes — Polish banks require it for a mortgage.
Can I get a mortgage with a temporary residence card?
Many banks accept temporary residence cards, but they look at how long the card remains valid. Rules differ between banks — your expert will check yours.
Can I use income from abroad?
Banks usually expect income earned in Poland and paid in PLN. Some situations can be discussed individually — ask your expert.
Is the whole process in English?
Your conversations with the expert — yes. Bank documents and the notarial deed are in Polish; at the notary, a sworn translator helps you if you don't speak Polish.
Can I buy a house, not a flat?
Yes, but if you are not an EU or EEA citizen, buying a house with land usually requires a permit from the Ministry of the Interior. Your expert will explain the steps.
How much does the expert's help cost?
Nothing for you — our experts are paid by the bank. The cost of the loan itself depends on the bank's offer; your expert will show you the full cost before you decide.

Legal note: This page provides general information and is not an offer. The binding language of our forms, consents and the intermediary information is Polish; English translations are provided for information.