Compare Mortgages in Poland

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20 live offers compared from 10 providers, from PLN 0. Updated daily.

What is a Mortgage in Poland?

A mortgage (kredyt hipoteczny) is a long-term loan secured against a property, used to buy or build a home. In Poland mortgages run for up to 25 to 35 years, are almost always denominated in złoty, and are secured by an entry in the property's land and mortgage register. You repay in monthly instalments covering interest and capital. Because the loan is secured by the property, rates are lower than unsecured borrowing, but the bank can enforce against the home if you default.

How the Polish market works

Historically most Polish mortgages carried variable rates linked to the WIBOR interbank benchmark plus the bank's margin. Following reforms, the market is transitioning to the WIRON reference rate, and fixed-rate (or periodically fixed, typically five-year) mortgages have become widely available and popular for the payment certainty they offer. Banks assess affordability using income, the BIK credit record and a stress-tested repayment capacity. A deposit (wkład własny) of at least 10 to 20 percent of the property value is normally required.

Benefits

Home ownership — A mortgage makes buying a home possible without paying the full price upfront.

Lower secured rates — Property security means cheaper interest than unsecured loans.

Payment certainty option — Periodically fixed rates lock your instalment for several years against rate rises.

Long terms — Repayment over decades keeps monthly instalments affordable.

How to choose

Compare the annual percentage rate (RRSO), the margin over the benchmark, and whether you want a variable WIRON-linked rate or a periodically fixed rate. Check the required deposit, arrangement and valuation fees, compulsory insurance, and early-repayment terms. Consider total cost over the whole term, not just the first instalment, and factor in how a fixed period protects you if rates rise. Independent brokers can compare several banks at once.

Leading providers in Poland

PKO Bank Polski is the largest mortgage lender, followed by Bank Pekao, Santander Poland, ING Bank Śląski, mBank, Bank Millennium, BNP Paribas Poland and Alior Bank. All offer both variable and fixed-period mortgages, and terms vary by margin, fees and required deposit. Because pricing shifts with policy rates and promotions, comparing current offers or using a broker is worthwhile.

What it costs

Mortgage cost is expressed through the RRSO and monthly instalment rather than a fixed price, so the brief lists no set figure. Total cost depends on the amount, term, rate type, margin and deposit, plus arrangement, valuation and insurance fees. A larger deposit and shorter term reduce total interest, while a fixed period buys certainty at a slightly higher initial rate.

Protections and regulation

Mortgages are governed by the Mortgage Credit Act and supervised by the Polish Financial Supervision Authority (KNF), which sets creditworthiness and stress-test guidelines through recommendations. Lenders must disclose the RRSO and a standardised European information sheet, and borrowers have early-repayment rights. The transition from WIBOR to WIRON is regulated, and disputes can be raised with the Financial Ombudsman (Rzecznik Finansowy) or UOKiK.

Common questions

Fixed or variable rate? Periodically fixed rates give payment certainty for a set period; variable rates track WIBOR or WIRON and can move up or down.

How much deposit do I need? Usually at least 10 to 20 percent of the property value.

What is replacing WIBOR? The market is transitioning to the WIRON reference rate under a regulated reform.

Can I use a broker? Yes. Independent mortgage brokers compare offers from several banks at once, which can save time and help you find a lower margin.

Mortgages in Poland — FAQ