Blog
Which banks offer mortgages to foreigners in Poland in 2026?
Poland remains one of the most attractive countries in Europe for real estate purchases. Many foreigners living and working in the country are considering buying their own apartment or house. However, the main question that arises for almost everyone is: Which banks offer mortgages for foreigners in Poland and what conditions must be met.
In 2026, it will be entirely possible for a foreigner to obtain a mortgage in Poland. Moreover, many banks are actively working with clients without Polish citizenship. However, it's important to understand that each bank has its own credit policy, especially when it comes to issues such as residence permits, length of employment, or form of income.
In this article we will take a detailed look at, Which banks offer mortgages to foreigners in Poland?, what requirements they have and why in many cases it is better to seek help from a mortgage consultant.
Can a foreigner get a mortgage in Poland?
Yes, foreigners can get it mortgage loan in Poland. The main conditions usually include:
- legal stay in Poland
- stable income
- employment contract or entrepreneurial activity
- positive credit history
- down payment
As a rule, The initial payment is at least 10–20% of the property value, although most banks prefer a level of around 20%.
But the most important factor for foreigners often becomes residence status, that is, a residence card.
Some banks require:
- to have a residence card valid at the time of signing the loan
- for the card to work at least 6-12 months before applying
Therefore, requirements can vary greatly depending on the bank.
Which banks offer mortgages to foreigners in Poland in 2026?
In 2026, the following banks were most active in working with foreigners:
These are large banks that regularly operate in the mortgage market and review applications from foreign clients.
However, it is important to understand one key thing.
Each bank has its own internal credit policy., which may vary. Therefore, loan terms may differ depending on:
- client's citizenship
- type of income
- term of work
- residence status
- credit history
- loan amounts
As a result, the same client can receive different solutions in different banks.
Why might one bank refuse a loan while another approves it?
This is a fairly common situation.
The reasons may be different:
- the bank evaluates income differently
- The requirements for the residence card differ
- different risk assessment policies
- different requirements for the duration of employment
So sometimes it happens that After being rejected by one bank, the client can easily obtain a mortgage from another bank..
The most common mistake foreigners make
Many foreigners begin the mortgage process on their own. Typically, it looks like this:
- the client goes to the bank
- receives a preliminary refusal
- goes to another bank
- submits another application
The problem is that every submitted application is recorded in the credit request system. If there are too many applications, this can negatively impact the banks' decisions.
Moreover, without experience it is quite difficult to understand:
- Which bank is better to choose?
- where the chances are higher
- what documents to prepare
As a result, people waste time and sometimes receive several rejections in a row.
Why you should contact a mortgage specialist
A mortgage consultant helps you do more than just submit an application.
The main task of a specialist is choose the right bank before you start the process.
This includes:
- analysis of the client's financial situation
- creditworthiness assessment
- selection of banks with the highest chances of approval
- preparation of documents
- client support at all stages of the transaction
This is especially important for foreigners, because bank requirements may differ and change regularly.
Need a mortgage in Poland? Get professional help.
If you are planning to buy an apartment or house in Poland and want to know:
- can you get a mortgage
- Which bank is right for your situation?
- What loan amount can I get?
- What documents need to be prepared?
It's best to start with a professional consultation.
I help foreigners obtain mortgages in Poland and support clients throughout the entire process.
What you will get:
✔ creditworthiness analysis
✔ Selecting a suitable bank
✔ assistance with documents
✔ support until receiving a loan
The consultation will allow you Save time, avoid rejections, and choose the best loan option.
Contact me to discuss your situation and begin the process of obtaining a mortgage in Poland.