Yes, you can get a mortgage in Poland as a foreigner. The key is knowing which banks work with your residence status — and how to prepare your application.
What can affect your mortgage● Your residence status. A temporary residence card, permanent residence or EU citizenship — banks have different rules for each. [CHECK]● How long your residence card is valid. Some banks look at this closely.● Your credit history in Poland. A short history (BIK) can matter more than your income.● Income in a foreign currency or from abroad may be assessed differently or not counted.● Language. Contracts, bank offers and property documents are all in Polish.
How I help• I tell you upfront which banks accept your residence status.• I explain every step and every document in English — no guessing what you're signing.• I guide you through the process from the first assessment to signing at the notary.• I check the property's documents, which follow local rules that may be very different from what you know at home.
Documents usually needed• Passport and residence card (or EU registration certificate)• PESEL number• Income documents (depending on your contract type)• Bank statements• Information about the propertyNot sure if you qualify? Let's check together — it takes one short conversation.