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A mortgage for renovation in Poland (also called a purchase + renovation mortgage) is an increasingly popular solution offered by Polish banks. It allows you to finance both the purchase of a property and the renovation or finishing works with just one home loan.

When signing the mortgage agreement with a Polish bank, you agree on multiple conditions, including the estimated total cost of the mortgage. Does it mean that you are obligated to repay the specified amount to the bank? No, it doesn't, and we will show you multiple methods of cutting the mortgage cost available in Poland.

Please accept our apologies. We've been busy recently, so the summary of the Polish mortgage market from last year is coming a bit later than usual. Let us then get on with it.

Do you plan to take a mortgage in Poland? Our guide should help you to understand what steps await you in the process. To make your life easier, we recommend taking all these steps with us, via a free mortgage brokerage service.

Most of our customers ask us at different stages of the mortgage process about what the early repayments of the loan look like in Poland. Hence, we decided to break it down with proper analysis.

As every year, the time has come to summarize the situation in the mortgage market in the previous year and to outline the developments that will be affecting the current year. 2023 was a year of rebound in the mortgage market, partially stimulated by governmental programs. Let's break it down into pieces.

As we are already a month into the governmental program addressed to first-time property buyers, we gathered enough data to analyze it further.

PPK ('Pracownicze Plany Kapitałowe') is a retirement saving program enforced by the government three years ago. In our opinion, among many missed programs our current government has established, the PPK makes the most sense. Read more to find out why.

The time has come to summarize the situation in the mortgage market in the previous year, and to outline the developments that will be affecting the current year.

In Poland, one of the main price-shaping factors in the mortgage is the amount of upfront the customer can pay in advance. 

Recently, many mortgage owners could've been offered a change from variable to a 5-year fixed rate. While it was and still is an option to consider, there is also an alternative way to address the current situation in the market, with potentially more tangible and long-term savings in mortgage cost.

It's been only four months since we have analyzed the differences between the fixed and variable rate mortgage. Nevertheless, the situation on the market changed so rapidly that we have decided to look at the subject once more.

Until recently not all banks in Poland were offering a mortgage with a fixed rate - this changed due to a recommendation issued by the Polish Financial Supervision Authority, and now each big bank in Poland does offer this type of mortgage. Let's analyze what the market offers.

The year 2020 is over, and even though its outcome will most probably affect the market for longer, let's summarize what we already know.

The upfront payment is one of the most crucial aspects of the deal when buying a property in Poland, or elsewhere. On the Polish market, there are two types of upfront - zaliczka or zadatek. They differ significantly, and you must be aware of those differences to avoid any unpleasant surprises.

For all who consider buying a property in Poland via a mortgage, we prepared a comprehensive guide about the subject. We hope it will help you understand the process and decide whether or not you wish to join more than 2 million households owning property in Poland via a mortgage.

Understanding the actual cost of the mortgage might be challenging as there are many factors to it. Let’s analyze them for you one by one.

Here is a brief comparison of the popular ways to finance the purchase of a car in Poland.

Buying an apartment in Poland does not have to be complicated if you are well prepared for the task.

If you are planning to get a mortgage in Poland, sooner or later you will hear about "wkład własny" or "wpłata własna". How does it work?

As many of our customers plan to repay their mortgage sooner than the original period in the mortgage agreement with the bank, we decided to explain to you how it works.

Let’s talk about the credit score in Poland.

One of the most important aspects of getting the mortgage, or any other loan, is your creditability. What is it and how do the banks calculate it?