Thinking about buying a property in Poland? Whether you're self-employed, an EU citizen, or just looking for guidance, this guide walks you through the mortgage process step-by-step.
💼 Mortgage as Self-Employed in Poland
Getting a mortgage while self-employed requires more documentation but is absolutely possible. Polish banks expect:
Stable income proof (typically from the past 12–24 months)
Annual tax returns (PIT)
CEIDG or KRS printout
Bank statements
Confirmation of no tax arrears from the tax office (Urząd Skarbowy)
Valid residence documents
🔎 A longer business history, regular tax payments, and Polish clients will work in your favor.
🇪🇺 Getting a Mortgage as a EU Citizen in Poland
EU citizens can apply for a mortgage on nearly the same terms as Polish citizens. However, banks carefully evaluate several factors:
Type of residence permit (temporary vs. permanent)
How long your current permit remains valid
Your family situation: whether you have a spouse or children
Whether joint ownership applies — in which case your partner’s legal status and documents will also be assessed
Income per family member
Type and stability of your income (employment, business, pension, etc.)
The volume of the requested mortgage
💰 For example, if you have a temporary residence permit valid for at least 2 more years, and a net income of 7,000–8,000 PLN per month, banks like Santander or ING may offer you financing between 400,000 to 500,000 PLN. And yes — you can always negotiate the terms.
📄 What Documents Does an EU Citizen Need to Get a Mortgage?
Expect to provide:
Valid passport or EU ID
PESEL number
Residence confirmation (zameldowanie or lease agreement)
Proof of income (employment contract, business income, pension, etc.)
Bank statements (typically 3–12 months)
Credit history (from Polish BIK or your home country)
Translations of any foreign documents (certified if required)
📌 Banks differ slightly — some may ask for more, others less, depending on their internal policy.
🤝 Mortgage Advisor for Foreigners in Poland
A good mortgage advisor can be a game-changer.
Why hire one?
They know which banks are open to foreigners
They’ll help you prepare the right documents
They’ll assist in negotiations with banks
They can simplify the process with certified translations
💬 Many advisors speak English, Ukrainian, Russian, or German — so no worries if your Polish isn’t fluent.
🧠 Final Thoughts
Different banks offer different financial conditions — and there is no one-size-fits-all. What matters is how well you present your case: your income, legal stay, documentation, and negotiation skills.
With the right support and preparation, you can secure a mortgage in Poland and take a solid step toward property ownership and financial stability in the heart of Europe.