Mortgages in Poland
We help foreigners and residents get a mortgage approved on the best terms — free of charge
How we support your deal, step by step
We don't pass you "down the line" — one specialist guides you from start to finish.
Assessment of your financial situation and selection of realistic loan terms
Search for properties that meet bank requirements and your goals
Negotiations with banks and choosing the best offer
Collecting and preparing the full set of documents
Legal review of the transaction and support at the notary
Advice on managing the property after purchase
Mortgage calculator
Calculate your estimated monthly mortgage payment in Poland. Our mortgage broker will find the exact terms for you.
Property price (PLN)
Down payment ()
Total income (net)
Type of employment
Term (years)
Interest rate (%)
*current WIBOR rate according to GPW Benchmark
Monthly payment
estimated installment
Loan amount:
Contact a broker
Mortgage terms in Poland
Key bank requirements today:
- Down payment — from 10% of the property price
- Residence card (Karta pobytu) — required by most banks. There is one bank willing to consider an application without a residence permit — and we know how to work with it
- Employment in Poland — 6 to 12 months of continuous employment, depending on the bank
- Own business (działalność gospodarcza) — at least 12 months of active business
Already chosen a property and only need the financing? We can step in at any stage.
Mortgage arrangement is free
Our mortgage support costs you nothing. We work in partnership with banks and are paid by them — while your interests remain our priority.
What the service includes:
- 01
Personal consultation and analysis of your situation
- 02
Choosing the bank with the best terms for your profile
- 03
Direct contact with a loan specialist
- 04
Review of the final contract terms before signing
- 05
Support at all meetings with the bank and the notary
What property you can buy with a mortgage
Properties suitable for a mortgage
Why Mokko Real Estate
Want to calculate your mortgage or find out how much you could borrow? Leave a request. We'll review your situation and give you a clear answer.
- 01
A licensed agency operating within Polish law
- 02
Legal support at every stage of the transaction
- 03
Partnership agreements with leading Polish banks
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1,000+ clients, including complex cases
- 05
Experience working with foreign nationals: we know the specifics of your case
Buying property in Warsaw, Kraków and Wrocław
We work in Poland's largest cities. We know the local market, current prices and reliable developers in each of them. You don't need to figure out Polish law, look for agents or check documents yourself — we take care of it all.
Send a request and we'll get back to you within one business day.