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Offer Comparison

Mortgages

Found 4 offers · Sorted by: Bank

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#1 Best offer
VeloBank
VeloBank PLN Verified 27.04.2026 39 people clicked this month

Kredyt hipoteczny VeloDom

  • Oprocentowanie: 5.63%
  • RRSO: 5.78%
  • Marża: 1.85%
▸ Example amount: 400 000 PLN ▸ Max period: 35 years ▸ 2 weeks ago
5.78%
APR
Apply for mortgage
100% max
#2 place
PKO Bank Polski
PKO Bank Polski PLN Verified 27.04.2026

Kredyt mieszkaniowy Własny kąt

  • Oprocentowanie: 5.77%
  • RRSO: 6.11%
  • Marża: 1.87%
  • Oprocentowanie stałe
▸ Example amount: 400 000 PLN ▸ Max period: 35 years ▸ 2 weeks ago
6.11%
APR
Apply for mortgage
98% max
#3 place
Bank Pekao
Bank Pekao PLN Verified 27.04.2026

Kredyt hipoteczny

  • Oprocentowanie: 5.68%
  • RRSO: 6.03%
  • Marża: 1.90%
▸ Example amount: 400 000 PLN ▸ Max period: 30 years ▸ 2 weeks ago
6.03%
APR
Apply for mortgage
99% max
Bank Millennium
Bank Millennium PLN Verified 27.04.2026

Kredyt mieszkaniowy z okresowo stałym oprocentowaniem

  • Oprocentowanie: 5.90%
  • RRSO: 6.14%
  • Marża: 2.00%
  • Oprocentowanie stałe
▸ Example amount: 400 000 PLN ▸ Max period: 35 years ▸ 2 weeks ago
6.14%
APR
Apply for mortgage
95% max

Guide: Mortgages

Key information before signing a mortgage agreement.

1

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.

2

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.

3

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.

4

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.

5

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.

Frequently asked questions

A minimum of 10% of the property value, but with a deposit below 20% the bank requires low-deposit insurance (an extra cost). The optimal deposit is 20% — it reduces the instalment, eliminates the insurance and improves the loan margin.
A variable benchmark rate is updated every 3 or 6 months — your instalment changes with the market. A fixed rate is locked for 5–10 years, giving predictability, but may be higher than the current benchmark. After the fixed period ends the bank will propose new terms.
Yes — regulations allow overpayment or full early repayment. For a variable rate the bank cannot charge a fee after 3 years of the agreement. For a fixed rate a fee is possible throughout the fixed-rate period — check the contract before overpaying.
LTV (Loan to Value) is the ratio of the loan amount to the property value. LTV 80% = property worth 500,000 PLN, loan 400,000 PLN, deposit 100,000 PLN. Lower LTV means lower risk for the bank — resulting in a lower margin and no deposit insurance.
Yes, there are no formal obstacles. Creditworthiness is assessed solely on the basis of one income, which may limit the available amount compared with a couple. It is worth comparing offers from several banks — different scoring models give different results.