Why did a bank refuse a mortgage in Poland and what to do next?

Being denied a mortgage is one of the most stressful moments when buying real estate, especially for foreigners. Often, clients are confident that their documents are in order and they have income, but the bank's decision comes as a complete surprise.

It is important to understand the main thing:
Mortgage refusal for foreigners is almost always related not to citizenship, but to the level of risk for the bank.

In this article we will look at, Why do banks in Poland refuse mortgage, What are the most common reasons and what to do if you have already received a refusal.

Why do banks refuse mortgages to foreigners?

A bank is a financial institution that assesses risks.
If, according to internal calculations, the risk becomes too high, the bank refuses.

It is important to know:

• We We don't know all the banks' internal rules
• scoring algorithms are closed
• even bank employees don't always know the exact reasons for refusal

The decision is often made automatically based on a variety of factors.

The most common reasons for mortgage denial in Poland

1️⃣ Insufficient income

One of the most common reasons for refusal.

Even if:

• the income seems good
• it's enough for life

the bank may consider that:

• income too low for the mortgage amount
• there is little money left after all expenses

The bank always counts safety reserve.

2️⃣ Umowa zlecenie instead of umowa o pracę

For banks:

• umowa o pracę = stability
• umowa zlecenie = increased risk

Mortgage po umowa zlecenie is possible, but:

• more often required 12 months of income
• continuity is important
• one employer

Even with a good income, the bank may refuse if it considers the contract not stable enough.

3️⃣ Other loans and liabilities

Even small commitments can make a difference:

• consumer loans
• installments
• credit cards
• account limits

From the bank's point of view:
👉 each loan = additional risk.

4️⃣ General risk assessment

Sometimes the client doesn't see a "problem," but the bank assesses the situation differently:

• short work experience
• frequent change of employer
• regular transfers
• unstable income

Even one of these factors can influence the decision.

Important: No always means never.«

Get rejected by one bank - does not mean that mortgage impossible at all.

Each bank:

• assesses risks differently
• uses its own algorithms
• has different requirements

What doesn't suit one bank may suit another.

What to do after being denied a mortgage

❌ What NOT to do

• submit applications to all banks in a row
• change jobs in a panic
• take out loans "to improve history"«

This can make the situation worse.

✅ What should you do?

1️⃣ Analyze the reason for the refusal

Even if the bank has not provided a detailed explanation, you can:

• estimate income
• check obligations
• look at the contract type

2️⃣ Improve your creditworthiness

In most cases, a refusal is a signal that:
👉 preparation is needed

Often she takes 6–12 months and includes:

• closing loans and cards
• income stabilization
• accumulation of experience
• correct financial history

3️⃣ Choose the right moment

A mortgage is not an urgent solution «for tomorrow».
The right moment often decides everything.

Why assistance from specialists especially important after refusal

After refusal it's easy:

• make wrong moves
• aggravate the situation
• get a second refusal

Specialists:

• help to understand the real reasons
• suggest what to improve
• choose the bank with the best chances

Rejection is not the end, but a stage

Mortgage refusal in Poland is not a sentence.
In most cases it's simple:
👉 a signal that the bank considers the risks too high for now.

With the right plan, timing, and preparation, a mortgage becomes a reality.

Our role in this process

As real estate and mortgage specialists, We interested in obtaining a mortgage.

We:

• We assess the situation honestly
• we explain the reasons for the refusal
• We help you build a path to a mortgage
• We support the client from preparation to the bank's decision

Very often a mortgage is a journey of 6-12 months, and not just one visit to the bank.