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Mortgages in Poland for Ukrainians in 2026: Terms, banks, and real chances of getting a loan
In 2026, more and more Ukrainian citizens are thinking about buying real estate in Poland. One of the main questions: is it possible to get mortgage in Poland for a Ukrainian?
The short answer is - Yes, you can.
And in some cases, the conditions may be very close to those received by Polish citizens.
But there are nuances that are important to understand in advance.
Can a Ukrainian get a mortgage in Poland?
Ukrainian citizenship is not an obstacle to obtain a mortgage loan in Poland.
Banks consider such applications individually, but the very fact that you are a citizen of Ukraine, does not exclude you from the list of potential borrowers.
👉 This means you can:
- Buy an apartment or house in Poland
- get a mortgage loan
- take advantage of banking programs (including those without a down payment)
Are the conditions for Ukrainians different from those for Poles?
Yes, in some cases the conditions may differ slightly, but this is not critical.
What may differ:
- more thorough customer verification
- more attention to income stability
- requirements for legal residence
👉 It is important to understand:
Ukrainians are not in a "worse position by default" – everything depends on the specific situation.
Banks that most often issue mortgages to Ukrainians
In practice, the following banks are the most loyal to foreigners (including Ukrainians):
Each bank has its own policies and requirements, so choosing the right bank is one of the key factors for success.
Mortgages with no down payment – are they affordable for Ukrainians?
Yes 👍
In real estate purchase programs without your own contribution participating:
- Alior Bank
- Santander Bank Polska
- Bank Pekao
👉 Important:
There are no additional restrictions for Ukrainians — the conditions of participation are the same as for Polish citizens.
Do you need a residence card?
This is one of the most frequently asked and important questions.
👉 The reality is this:
- Each bank evaluates the presence of a residence card differently
- For some banks it is mandatory
- for others, the expiration date is important
- There are banks that consider clients even without a card.
📌 Moreover:
In some cases it is possible to obtain a loan:
- without a life map
- or even with an expired card
👉 It all depends on the bank and a well-designed application strategy.
Income and creditworthiness are the main factors
The most important thing for a bank is not citizenship, but client's creditworthiness.
The bank analyzes:
- income level
- type of contract (umowa o pracę, B2B, zlecenie)
- stability of work
- credit history
- number of family members
👉 This is what influences:
- loan amount
- probability of approval
History from Ukraine (UBKI) - an important change
Recently, Santander Bank Polska started requesting credit history from Ukraine (UBKI).
👉 Important:
- for now only this bank requires UBKI
- other banks mainly focus on the Polish BIK
Common problems and solutions
❌ No residence card
✔️ A bank that works without it is selected
❌ Insufficient income
✔️ Possible adjustment of the form of employment (for example, B2B)
❌ No credit history in Poland
✔️ It can be formed gradually
❌ Unstable operation
✔️ Preparation before submitting an application
Bottom line: real chances in 2026
👉 Get it mortgage in Poland for a Ukrainian — really
👉 Even without a map of life - in some cases it is possible
👉 Even without a down payment — available
Main:
- assess your situation correctly
- choose a suitable bank
- prepare an application correctly
Check your creditworthiness for free
If you're unsure whether you can get a mortgage in Poland, it's best to check in advance.
👉 Write to me - I:
- I will assess your creditworthiness
- I will select a bank to suit your situation
- I'll tell you how much you can realistically expect