Buying Property in Poland? Find the Right Mortgage for You.
Find out how much you could borrow and which banks may be right for you - with a free initial consultation in English.
Olena TropinovaMortgage Expert | Altro Group
I help international clients secure suitable mortgage financing in Poland — with personalised bank selection, application support and guidance in English.
The Right Bank for Your Financial SituationI analyse your income and financial profile to identify banks that may offer you better mortgage options.
Experience with B2B & Business IncomeI know how different Polish banks assess income from B2B contracts, self-employment and business ownership — and use that knowledge to find suitable financing options.
Protecting Your Property PurchaseI review property documents for potential financing issues, helping you reduce the risk of unexpected problems and losing your deposit.
A Good Income Doesn't Mean Every Bank Will Offer You the Same Mortgage.
Banks in Poland assess employment contracts, B2B income and residency status differently. This can affect both how much you can borrow and the mortgage terms you're offered.
The right bank can make a real difference
Choose Your Situation
CLIENT SUCCESS STORY
Self-Employed Client | B2B, RyczałtHe was told he could borrow PLN 500,000.I found a bank that approved PLN 800,000
Initial estimate: PLN 500,000 — not enough for his property. Approved: PLN 800,000 (+PLN 300,000)
The client’s income didn’t change. What changed was the bank — some banks in Poland assess JDG ryczałt income very differently.Same client. Same income. A different bank.
I Check Not Only Your Borrowing Capacity — But the Property Itself
Property documents in Poland are in Polish and follow local rules that may differ from what you know at home.
As a former real estate agent, I review them to spot hidden issues early — before they lead to a bank refusal or put your deposit at risk.
My Results in Numbers
Positive mortgage decisions
Clients who lost their deposit
Average time to a mortgage decision
in Polish real estate & mortgages
Client Reviews
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Q&A
FAQs
Can foreigners get a mortgage in Poland?
Yes. Foreign nationals can apply for a mortgage in Poland. Eligibility depends on your residency status, income, credit history, and the bank's lending criteria.
How much can I borrow from a Polish bank?
Your borrowing capacity depends on your income, existing financial commitments, and household expenses. I can help you estimate how much different banks may be willing to lend.
Can I get a mortgage if I'm self-employed or work on a B2B contract?
Yes, it's possible. Polish banks assess self-employed income differently, so choosing the right lender and preparing the right documents is essential.
Do I need a Polish residence permit to get a mortgage?
Not always. Requirements vary by bank, nationality, and residence status. I'll help you identify which options may be available in your situation.
Is the mortgage consultation really free?
Yes. The initial consultation is free and comes with no obligation. We'll discuss your financial situation, mortgage options, and the next steps toward buying property in Poland.