Mortgage questions, answered

Clarity for your next chapter.

From your first conversation to planning your mortgage. Find clear answers and take your next step with confidence.

FAQ

Your questions, answered.

Consultations

We can meet online, speak by phone, or meet in person at our office in Warsaw, in the Mokotów district, near the metro station. Consultations are available in Polish, English, Ukrainian and Russian. In your enquiry, please specify your preferred meeting format, the date and time, and the language of the consultation and we will confirm the details. Sending an enquiry does not automatically reserve an appointment.

Buying Property in Poland – Essential Information

Using the calculator

After Purchasing a Property and Mortgage Disbursement

Mortgage Refinancing

Personal Loans

Property Insurance and Life Insurance

MSWiA Permit for Purchasing Property in Poland

Mortgages for Foreigners

Mortgage – Rules and Requirements

Buying an Apartment, House or Plot of Land

Your circumstances need an individual assessment.

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Let’s talk

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Talk through your plans and next steps with Marcin.

Request a free consultation +48 536 288 555

Online or by phone · Marcin will confirm the time.

Your questions, answered.

Consultations

How can we meet?

Buying Property in Poland – Essential Information

Can a foreign national buy property in Poland?

How long does the property purchase process take?

Is a PESEL number required to purchase property in Poland?

Using the calculator

Does the calculator confirm loan approval?

After Purchasing a Property and Mortgage Disbursement

When does the bank release the mortgage funds?

What do you need to do after signing the mortgage agreement?

What does registering a mortgage in the Land and Mortgage Register mean?

Mortgage Refinancing

When should you consider refinancing your mortgage?

Can refinancing reduce your monthly mortgage instalment?

Can you refinance a mortgage with a fixed interest rate?

Personal Loans

Can a personal loan be used for any purpose?

Can you repay a personal loan early?

Do existing financial commitments affect your ability to obtain another loan?

Property Insurance and Life Insurance

Is property insurance mandatory when taking out a mortgage?

What does life insurance cover?

Can you use your own life insurance instead of the policy offered by the bank?

MSWiA Permit for Purchasing Property in Poland

Does a foreign national need a permit to purchase an apartment in Poland?

Does purchasing a detached house require an MSWiA permit?

Can you purchase a building plot without an MSWiA permit?

Mortgages for Foreigners

Can you buy property in Poland without being registered at a Polish address?

Is a residence card required to obtain a mortgage in Poland?

Can you obtain a mortgage if your salary is paid in a foreign currency?

Mortgage – Rules and Requirements

How much of a down payment is required?

Can you get a mortgage without a down payment?

Does a fixed-term employment contract prevent you from obtaining a mortgage?

Buying an Apartment, House or Plot of Land

What is the Land and Mortgage Register and how can you check it?

Can you buy a second-hand apartment if the seller still has an outstanding mortgage?

What is a Local Spatial Development Plan (MPZP)?

Still have a question?