Your key to a home in Poland

How it works

Answer a few questions

Property, income and your residence document – no documents or sign-up needed.

See real offers

We check each bank's rules for foreigners and show what you'd pay, not just the interest rate.

Get help for free

An advisor who speaks your language prepares the application and talks to the banks.

Questions foreigners ask us

Can I get a mortgage with a temporary residence card?

Yes. Most banks accept a temporary residence card; many want it to be valid for at least 12 more months, some only on the day you apply. A few banks lend only to permanent residents.

What is the CUKR card and does it help?

Since May 2026, Ukrainian citizens with PESEL UKR status can apply for the 3-year CUKR residence card. Most banks treat it like a temporary residence card, which opens far more offers than PESEL UKR alone.

Does B2B or my own business count as income?

Yes, usually after 12 months of running the business (some banks want 24), documented with your tax returns.

How much do I need to have saved?

Usually at least 10% of the price plus purchase costs. With less than 20%, banks add a small margin until you pay down to 80% of the value. Some banks ask temporary residents for 20%.

Can I use income from abroad?

Yes, it can be done – it just needs an individual approach, because each bank has its own rules for income in other currencies. Our advisors help clients paid from abroad every day and know which solutions work.

What does your help cost?

Nothing for you. The calculator and the advisor are free; you only pay the bank's own fees, which are shown with every offer.

Guides for foreigners

• Mortgage in Poland for foreigners: the complete step-by-step guide

  Yes, you can get a mortgage in Poland without a Polish passport. Here is what banks check, what you need to prepare and how the process looks from the first calculation to the keys.

• CUKR card: how the new residence card helps Ukrainians get a mortgage

  Since May 2026, Ukrainian citizens with PESEL UKR status can apply for the 3-year CUKR card. For mortgages it is a game changer – here's why.

• How banks calculate your creditworthiness (zdolność kredytowa)

  Why two people with the same salary can get very different loan amounts – DSTI, living costs and the interest rate buffer explained.

• All costs of buying a flat in Poland (2026)

  Price is just the beginning. Notary, taxes, court fees and bank costs – a full list so nothing surprises you at the notary's office.

• Fixed or variable rate? How to choose in 2026

  A fixed rate gives certainty for 5 years, a variable one follows WIBOR. Which one is better for you depends on more than today's numbers.

• When does refinancing a mortgage pay off?

  Moving your mortgage to another bank can save hundreds of złoty a month – or cost more than it saves. How to calculate it properly.