Mortgage for Employed Professionals in Poland

A stable salary is a great start — but it doesn't automatically mean the best mortgage offer.
What can affect your mortgage● Type of contract. An employment contract (umowa o pracę), a mandate contract (umowa zlecenie) or a specific-task contract (umowa o dzieło) are assessed differently by banks. [CHECK]● Time in your current job. A recent job change or a probation period can limit your options with some banks.● Income paid partly as bonuses or in a foreign currency may not be fully counted.● Existing loans and credit cards reduce how much you can borrow — even if you rarely use them.
How I help• I review your situation before you apply, so there are no surprises.• I find banks that assess your type of contract and income most favourably.• I explain each offer in plain English and help you compare the real cost, not just the interest rate.• I check the property's documents to help protect your deposit.
Documents usually needed• ID and residence documents• Employment certificate with your salary (zaświadczenie o zatrudnieniu i zarobkach)• Bank statements, usually for the last 3–6 months • Information about the property you want to buyDon't have everything yet? That's fine — we can start with a first assessment.