The best mortgage deals in Poland

Update: 09.02.2023

Access to 14 banks: PKOBP, Millennium, Pekao, BNP Paribas, Santander, mBank, Alior, ING, BOŚ, Citi, Nest, neoBank, BPS, SBR.

The typical lending terms:

• Loan amount – up to 90% of the purchase price/property value (you can also get an additional amount for renovation/finishing the property so in practise you can get a mortgage over 100% of the purchase price)
• Loan amount - up to 100% of the purchase price/property value thanks to the Polish government scheme / Mortgage Guarantee Scheme
• Deposit – minimum 10% of the purchase price/property value or 0% in the Mortgage Guarantee Scheme
• Term – up to 35 years
• Interest rate – from 7.29%
• Type of interest rate – variable or fixed (up to 10 years)
• Arrangement fee – from 0%
• No Early Repayment Charge option

Basic requirements:

• Income in Poland (there are exceptions)
• Living address in Poland
• Pesel (there are exceptions)
• Deposit - minimum 10% or 0% in the Mortgage Guarantee Scheme
• Permission to buy a land (if applicable)

Using Mariusz Zieliński has many benefits:

• Instant access to 14 banks
• Impartial advice from qualified, experienced mortgage advisor - an advice tailored to your situation!
• We will guide you through the property buying process and be with you every step of the way
• We will handle the whole application process - everything from the completion of the application forms right through to the day you get your keys!

How we are paid:

Our service is 100% free for you. You won't pay us any fees. A bank will pay us a fee. Our company principle is to deliver first class mortgage advice, to treat customers fairly and to build a lifetime relationship that is of much more value than one transaction.

Explore our Mortgage Guides

With over 10 years' experience as an independent mortgage advisor, we are perfectly qualified to help you through the process of buying a property and arranging a mortgage in Poland.