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Monthly ranking September 2026

Ranking of mortgages in Poland: September 2026

3 offers · Lower rate = better offer

Created 01.09.2026 · Updated 14.09.2026
Verified by: Krystyna Wójcik

In September 2026 we compared the best Mortgages available. Rates ranged from 6.08% to 6.24%. Top offer: Bank Millennium with "Kredyt mieszkaniowy z okresowo stałym oprocentowaniem" at 6.08% per year. This ranking covers offers available in Poland.

KW
Krystyna Wójcik · Digital Banking Advisor

Reviews bank offers day to day and keeps the rankings published on BankSorter accurate — we pull data straight from bank APIs and verify it before every publication.

Offer ranking — September 2026

1
★ #1 Best offer
Bank Millennium
Bank Millennium

Kredyt mieszkaniowy z okresowo stałym oprocentowaniem

✓ Interest rate: 5.76% ✓ APR: 6.08% ✓ Margin: 1.90% ✓ Fixed interest rate
6.08%
APR
Apply
2
Top 3
Bank Pekao
Bank Pekao

Kredyt hipoteczny

✓ Interest rate: 5.79% ✓ APR: 6.14% ✓ Margin: 2.04%
6.14%
APR
Apply
3
Top 3
PKO Bank Polski
PKO Bank Polski

Kredyt mieszkaniowy Własny kąt

✓ Interest rate: 5.82% ✓ APR: 6.24% ✓ Margin: 1.96% ✓ Fixed interest rate
6.24%
APR
Apply

Try the calculator for the top-ranked offer (Bank Millennium)

Loan repayment calculator

50 000 PLN 400 000 PLN
12 mo. 420 mo.
Monthly payment
Total cost
Total interest
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🔒 Secure redirect to Bank Millennium, no obligation

Indicative calculation based on nominal rate of 5.76%. Actual costs depend on individual creditworthiness assessment.

How is this ranking created?

We checked 3 mortgages offers in Poland for you in we September 2026. The ranking is based on interest rate (50%), product badge count (30%) and user popularity (20%).

What to watch out for when choosing a mortgage

What to watch out for when choosing a mortgage

A mortgage rate is made up of the lender's margin plus a reference rate — two offers with the same margin can still cost differently if they use a different reference rate. Budget for bridging insurance (until the mortgage is registered), property insurance, and a valuation fee — these sit outside the monthly instalment and are easy to overlook when comparing offers.

Also check how many years the fixed margin is guaranteed for, and what happens to it afterwards — a commonly overlooked but important contract detail.

What documents do you need to apply?

Beyond ID and proof of income over a longer period (usually 3-12 months), you'll need documents for the property itself — a preliminary contract or notarial deed, a land registry extract, and for new builds, a building permit and cost estimate. The lender will also ask for proof of your down payment (typically a minimum of 10-20% of the property's value).

A mortgage is a long-term loan secured against property. Key factors are: bank margin, benchmark rate, required down payment and loan term. A 0.5% difference in rate over 30 years can mean tens of thousands in total cost.

FAQ

In we September 2026 Bank Millennium led the ranking with a rate of 6.08%. Remember to add the bank margin and the current benchmark rate to get the full picture.

In we September 2026 mortgage rates ranged from 6.08% to 6.24%. The final rate also depends on your down payment, loan term and creditworthiness.

Most banks require at least 20% down. A 10% down payment is possible with low-equity insurance, which raises costs. A higher down payment usually means a lower bank margin.

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