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Compare mortgages in Poland
Found 4 offers · 4 institutions · data as of 16.09.2026 · Sorted by: APR
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Editors' pick — Top 3
Bank Millennium — Kredyt mieszkaniowy z okresowo stałym oprocentowaniem
Bank Pekao — Kredyt hipoteczny
PKO Bank Polski — Kredyt mieszkaniowy Własny kąt
How rates changed over the last year
Lowest and highest interest rate among active offers in this category, at the end of each month.
Guide: Mortgages
Key information before signing a mortgage agreement.
Have at least a 20% deposit
The minimum deposit required by banks is 10%, but with LTV above 80% (deposit below 20%) a low-deposit insurance surcharge is added. A 20% deposit is the standard — it eliminates extra costs and improves the loan conditions.
APR captures the full cost of a mortgage
Mortgage costs include the bank's commission, life insurance, property insurance and a valuation surveyor's fee. APR captures all of this in a single figure — it is the basis for an honest comparison of offers.
Fixed vs. variable interest rate
A fixed rate (typically for 5 years) gives a predictable instalment regardless of market conditions. A variable rate (benchmark + margin) may be cheaper when rates fall, but you risk the instalment rising. Calculate the instalment at benchmark +2% and assess whether you can afford it.
Factor in all property purchase costs
Beyond the deposit: notary fees, 2% PCC transfer tax on the market price (secondary market), mortgage registration and land registry entry fees. On the primary market you don't pay PCC — VAT is included in the developer's price.
Apply 3–8 weeks in advance
Processing a mortgage application takes 3 to 8 weeks. Start gathering documents in advance: 3 months of income certificates, bank statement, employment contract or company registration documents if self-employed.