You may earn more than many employees — and still be offered less. Banks assess B2B income very differently.
What can affect your mortgage●  How long you've been on B2B. Many banks expect a minimum period of activity, often 6–12 months. Some accept less if you continue similar work. ●  Your tax form. Ryczałt, flat-rate tax (liniowy) or the tax scale — each bank calculates your income from them in its own way.●  One main client. Working for a single client is common in IT, but some banks look at it more carefully.●  Income in a foreign currency or from a client abroad may be treated differently.
How I help• I calculate how different banks will see your income — before you apply.• I find banks that assess your B2B setup most favourably, so you can borrow the amount you actually need.• I prepare your documents so the application is clear for the bank.• I check the property's documents to help protect your deposit.
Documents usually needed• ID and residence documents• Business registration (CEIDG) and tax returns (PIT) • Confirmation of no tax or ZUS arrears• Your B2B contract and recent invoices• Business bank statements