Mortgage loans

If you already know which property you want to buy, prepare details such as the property type, address, size, and, if possible, the land registry number. If you are still searching, bring documents or calculations that show your income (or combined income, if applying with someone else) and its source: employment contract, freelance work, business activity, etc.

You should also provide information about your current financial obligations, such as existing loans, leases, installment payments, or credit cards. The advisor will ask about children, owned properties, and the purpose of the purchase. These details will help assess your creditworthiness accurately and find the most suitable offer for you.

Start preparing several months before submitting your loan application. Banks favor clients with a credit history, so having previously repaid loans on time can be beneficial. Closing unused credit cards or repaying smaller debts might also help.

It’s wise to demonstrate the highest possible income, especially if you’re self-employed. Stability in employment is valued, so avoid changing jobs before applying for a loan. Banks will also check debtor registries; if you appear in these records, try to settle outstanding debts and have your name removed.

First, check the total loan cost, known as the APR (Annual Percentage Rate). Don’t focus solely on the monthly installment amount, though it is important. Pay attention to the bank’s margin, temporary margin increases before the mortgage is registered, and fees for commissions or insurance (e.g., bridging, life, property).

Some banks may require opening credit cards or paid debit cards and charging fees for maintaining the account. Ask about early repayment fees and the possibility of payment holidays.

Our advisors will choose the most suitable offer for you by analyzing proposals from all leading banks in Poland. You won’t need to spend time visiting branches—we’ll present a comprehensive offer in one place, over a cup of aromatic coffee with our expert.