BankSorter
Loans Deposits Accounts Personal accounts Savings accounts Business accounts Mortgages Payday Apps Blog Compare now
Monthly ranking July 2026

Best Mortgages in Poland — July 2026

4 offers · Lower rate = better offer

Created 14.07.2026 · Updated 27.07.2026

In July 2026 we compared the best Mortgages available. Rates ranged from 5.58% to 5.74%. Top offer: VeloBank with "Kredyt hipoteczny VeloDom" at 5.58% per year. This ranking covers offers available in Poland.

Offer ranking — July 2026

1
★ #1 Best offer
VeloBank
VeloBank

Kredyt hipoteczny VeloDom

✓ Oprocentowanie: 5.63% ✓ RRSO: 5.78% ✓ Marża: 1.85%
Lowest Cost
5.58%
interest rate
Apply
2
Bank Pekao
Bank Pekao

Kredyt hipoteczny

✓ Oprocentowanie: 5.67% ✓ RRSO: 6.01% ✓ Marża: 1.89%
Top 3
5.62%
interest rate
Apply
3
PKO Bank Polski
PKO Bank Polski

Kredyt mieszkaniowy Własny kąt

✓ Oprocentowanie: 5.72% ✓ RRSO: 5.89% ✓ Marża: 1.87% ✓ Oprocentowanie stałe
Top 3
5.71%
interest rate
Apply
4
Bank Millennium
Bank Millennium

Kredyt mieszkaniowy z okresowo stałym oprocentowaniem

✓ Oprocentowanie: 5.75% ✓ RRSO: 5.92% ✓ Marża: 1.90% ✓ Oprocentowanie stałe
Best Rate
5.74%
interest rate
Apply

How is this ranking created?

We checked 4 mortgages offers in Poland for you in July 2026. The ranking is based on interest rate (50%), editorial ratings (30%) and user popularity (20%).

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 July 2026 VeloBank led the ranking with a rate of 5.58%. Remember to add the bank margin and the current benchmark rate to get the full picture.
In July 2026 mortgage rates ranged from 5.58% to 5.74%. 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.

See all current mortgages offers

Compare all Mortgages