Ranking of mortgages in Poland - October 2026
3 offers · Sorted by: lowest APR first
In October 2026 we compared the best Mortgages available. APR ranged from 5.85% to 6.89%. Top offer: VeloBank with "Kredyt hipoteczny VeloDom" at 5.85% APR. This ranking covers offers available in Poland.
Offer ranking - October 2026
Kredyt mieszkaniowy z okresowo stałym oprocentowaniem
APR 1.04 pp higher than this comparison's leader.
See all current mortgages offers
Compare all mortgagesWhat changed in the market: Mortgages, September 2026
In September we recorded no verified rate change in this category.
See the full market change report (in Polish) →Try the calculator for the top-ranked offer (VeloBank)
Loan repayment calculator
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Indicative calculation based on nominal rate of 5.54%. Actual costs depend on individual creditworthiness assessment.
How is this ranking created?
We checked 3 mortgages offers in Poland for you in w October 2026. Offers are selected using a composite score: interest rate (50%), product badge count (30%) and user popularity (20%). The order in the table follows the sorted value alone; ties are settled alphabetically. Partner commission does not affect selection or position.
APR is shown for each offer's representative example. Amounts and terms may differ, so a position in the ranking does not mean the cost is fully comparable - check the terms of the specific offer.
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.
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.