Mortgage Loans in Poland — Experience and Practical Expertise
My name is Inna Voinarovska. I have been living in Poland for many years, and I work with real estate on a daily basis. I know exactly what the process of purchasing a property by a foreigner in Poland looks like — not only from theory, but also from my own experience and professional practice.
Most of my clients are citizens of Ukraine, Belarus, Kazakhstan, and other countries who already live in Poland and are considering buying their own apartment. Almost every one of them eventually asks the same question: “Do I really have a chance of getting a mortgage?”
Yes, it is possible. However, it is important to understand the key rules and specific requirements.
In practice, more and more property purchases are being completed with the support of mortgage financing — including among foreign clients. A mortgage in Poland is not an inaccessible solution; it is a realistic and effective financial tool that, with proper preparation, can help turn the dream of owning a home into reality.
Most of my clients are citizens of Ukraine, Belarus, Kazakhstan, and other countries who already live in Poland and are considering buying their own apartment. Almost every one of them eventually asks the same question: “Do I really have a chance of getting a mortgage?”
Yes, it is possible. However, it is important to understand the key rules and specific requirements.
In practice, more and more property purchases are being completed with the support of mortgage financing — including among foreign clients. A mortgage in Poland is not an inaccessible solution; it is a realistic and effective financial tool that, with proper preparation, can help turn the dream of owning a home into reality.
Many factors influence the possibility of obtaining a mortgage in Poland, including:
- citizenship and legal residence status,
- type of employment,
- length of employment history in Poland,
- type of property,
- and, most importantly, the bank where the application is submitted.
- The same person may receive completely different decisions from different banks. That is why I always tell my clients: do not start by searching for an apartment or a house — start by checking your mortgage eligibility first.
The consultation takes place online, without the need for in-person visits, and helps you get clear answers to important questions:
- What budget you can realistically qualify for at the moment.
- What purchase options are available specifically for you.
- What can be improved or changed to obtain better terms.
- Whether it is worth preparing mortgage applications with several banks simultaneously.
At our agency, we work with a mortgage advisor who supports clients at every stage of the mortgage application process
Would you like to check your chances of getting a mortgage?
Book a consultation, and we will help you assess your options.
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If your mortgage eligibility allows it, we prepare several bank offers so that you can choose the best option in terms of loan amount, conditions, and the overall comfort of the process.
For me, this is not just a service. I have personally gone through this process myself, which is why I understand the doubts, concerns, and responsibility that come with such an important decision.
That is why my goal is not to create pressure or impose solutions, but to help you gain a clear understanding of your situation. When we know the exact numbers and real possibilities, decisions can be made calmly — without unnecessary stress or mistakes.
If you are considering purchasing property in Poland and would like to understand what options are available specifically for your situation, the best first step is a conversation with a professional.
That is why my goal is not to create pressure or impose solutions, but to help you gain a clear understanding of your situation. When we know the exact numbers and real possibilities, decisions can be made calmly — without unnecessary stress or mistakes.
If you are considering purchasing property in Poland and would like to understand what options are available specifically for your situation, the best first step is a conversation with a professional.
Contact us in the way that is most
convenient for you
convenient for you
Tel: +48 793 194 559
biuro@therealtyhub.pl
biuro@therealtyhub.pl
Mariana Zdziechowskiego Street 2, 02-659 Warsaw
By clicking the “Send” button, you agree to our Privacy Policy and consent to the processing of your personal data.
