Mortgage guides for foreigners
Practical guides to mortgages in Poland for foreigners — up to date as of October 2026.
Mortgage guides
Getting a mortgage in Poland as a foreigner — step by step
How a foreigner gets a mortgage in Poland: 7 steps from checking capacity to the keys, documents, timelines and costs.
Read →GuideHow much do you need to earn for a mortgage in Poland?
How much to earn for a PLN 300k, 400k, 500k or 600k mortgage: table for singles and couples and how banks calculate capacity.
Read →Guide10% or 20% down payment — which pays off?
Comparing a mortgage with 10% vs 20% down: payment, total cost, low-down-payment insurance. When to wait and when to buy now.
Read →GuideFixed or variable rate — what to choose in 2026?
Fixed vs variable mortgage rate in Poland: payments, risk and borrowing capacity compared. Rates as of 19.10.2026: 5.08% vs 5.94%.
Read →GuideBuying property in Poland as a foreigner — the MSWiA permit
Can a foreigner buy an apartment in Poland without an MSWiA permit? Apartment, house, plot, garage — rules and exceptions in 2026.
Read →Questions and answers
01Where do I start?
By checking your capacity and residence status. Use the calculator or leave your number — we'll tell you where to start.
02Are the guides up to date?
Yes, we update them when laws or rates change. Each guide shows its update date.
- Komisja Nadzoru Finansowego — Rejestr pośredników kredytu hipotecznego
- Ustawa o kredycie hipotecznym (ISAP)
- Narodowy Bank Polski — stopy procentowe
- BGK — Rodzinny Kredyt Mieszkaniowy
· Kostiantyn Soldatko, mortgage intermediary agent (KNF RHA0020112)
Let's talk about your mortgage
Leave your number — in 15 minutes we'll tell you how much you can realistically borrow and which banks accept your residence status. The consultation is free.