{"id":370,"date":"2026-01-19T18:33:27","date_gmt":"2026-01-19T15:33:27","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=370"},"modified":"2026-01-19T18:33:29","modified_gmt":"2026-01-19T15:33:29","slug":"pravda-ili-mif-kreditnyj-agent-delaet-ipoteku-v-polshe-dorozhe","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/pravda-ili-mif-kreditnyj-agent-delaet-ipoteku-v-polshe-dorozhe\/","title":{"rendered":"Fact or Fiction: Does a Mortgage Agent Make Mortgages in Poland More Expensive?"},"content":{"rendered":"<p>At <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage planning in Poland<\/a> Many clients, especially foreigners, ask the same question:<br><strong>Should I apply for a mortgage myself or through a lending agent?<\/strong><\/p>\n\n\n\n<p>And almost always this is followed by fear:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u00ab&quot;If I use a loan agent, the mortgage will be more expensive.&quot;\u00bb<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>This is one of the most persistent myths on <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">real estate market<\/a> and mortgage lending. In this longread, we&#039;ll take a detailed look, <strong>where is the truth and where is the fallacy<\/strong>, how the mortgage market actually works in Poland and why in reality an agent often helps <strong>save money<\/strong>, and not overpay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where did this myth come from?<\/h2>\n\n\n\n<p>The client&#039;s logic is clear and human:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>there is a bank<\/li>\n\n\n\n<li>there is an intermediary<\/li>\n\n\n\n<li>the intermediary must make money somehow<\/li>\n<\/ul>\n\n\n\n<p>So, according to the feeling:<br>\ud83d\udc49 <em>\u00ab&quot;If there&#039;s an agent, someone will pay for it, which means the mortgage will become more expensive.&quot;\u00bb<\/em><\/p>\n\n\n\n<p>In some countries, this logic actually works.<br>But <strong>The mortgage market in Poland is structured differently<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How are mortgage rates determined in Poland?<\/h2>\n\n\n\n<p>To understand whether an agent influences the price, you need to understand, <strong>What does the cost consist of? <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage loan<\/a><\/strong>.<\/p>\n\n\n\n<p>The main elements of a mortgage:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>interest rate<\/li>\n\n\n\n<li>bank margin<\/li>\n\n\n\n<li>rate type (fixed\/floating)<\/li>\n\n\n\n<li>loan term<\/li>\n\n\n\n<li>compulsory insurance<\/li>\n<\/ul>\n\n\n\n<p>\u2757 All these parameters <strong>sets up a bank<\/strong>, and not a credit agent.<\/p>\n\n\n\n<p>Agent:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>does not change the percentage<\/li>\n\n\n\n<li>does not add a commission<\/li>\n\n\n\n<li>does not affect the bank&#039;s calculations<\/li>\n<\/ul>\n\n\n\n<p>Client <strong>always signs a contract directly with the bank<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who pays the loan agent in Poland?<\/h2>\n\n\n\n<p>This is the key point that destroys the myth.<\/p>\n\n\n\n<p>In Poland:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>the bank pays the loan agent<\/strong><\/li>\n\n\n\n<li>client <strong>does not pay the agent for the mortgage<\/strong><\/li>\n\n\n\n<li>agent&#039;s remuneration is part of the bank&#039;s marketing expenses<\/li>\n<\/ul>\n\n\n\n<p>For the bank:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>agent = source of trained clients<\/li>\n\n\n\n<li>The agent reduces the number of errors and failures<\/li>\n\n\n\n<li>The agent saves bank employees&#039; time<\/li>\n<\/ul>\n\n\n\n<p>That&#039;s why the bank <strong>does not shift the agent&#039;s cost to the client<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does an agent make a mortgage more expensive? The honest answer<\/h2>\n\n\n\n<p>\ud83d\udc49 <strong>No, it doesn&#039;t.<\/strong><\/p>\n\n\n\n<p>In a standard situation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A mortgage through an agent costs <strong>exactly the same<\/strong>, how much directly from the bank<\/li>\n\n\n\n<li>and very often - <strong>cheaper<\/strong>, due to a better selection of conditions<\/li>\n<\/ul>\n\n\n\n<p>Important: agent <strong>has no way to &quot;wind up&quot; the percentage<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why getting a mortgage through an agent is often more profitable<\/h2>\n\n\n\n<p>This is where the fun begins.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. The agent compares several banks simultaneously<\/h3>\n\n\n\n<p>Regular customer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>goes to 1-2 banks<\/li>\n\n\n\n<li>compares conditions &quot;by eye&quot;\u00ab<\/li>\n<\/ul>\n\n\n\n<p>Agent:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>knows the current offers <strong>10\u201315 banks<\/strong><\/li>\n\n\n\n<li>sees real conditions, not advertising<\/li>\n\n\n\n<li>understands where the bank is more flexible to your particular situation<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. The agent selects a bank based on creditworthiness<\/h3>\n\n\n\n<p>Not every bank evaluates equally:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>foreigners<\/li>\n\n\n\n<li>umowa zlecenie<\/li>\n\n\n\n<li>short experience<\/li>\n\n\n\n<li>family situation<\/li>\n<\/ul>\n\n\n\n<p>The agent knows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Which bank should I go to first?<\/li>\n\n\n\n<li>where the chance of approval is higher<\/li>\n\n\n\n<li>where the conditions will be better<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. The agent helps improve conditions<\/h3>\n\n\n\n<p>Sometimes the difference between &quot;will do&quot; and &quot;will not do&quot; is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>closed credit card<\/li>\n\n\n\n<li>change of term<\/li>\n\n\n\n<li>correct income structure<\/li>\n<\/ul>\n\n\n\n<p>These details:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reduce the bank&#039;s risks<\/li>\n\n\n\n<li>improve mortgage terms<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/ipoteka-u-agenta-1024x681.jpg\" alt=\"\" class=\"wp-image-372\" title=\"How to choose a mortgage in Poland\" srcset=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/ipoteka-u-agenta-1024x681.jpg 1024w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/ipoteka-u-agenta-300x199.jpg 300w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/ipoteka-u-agenta-768x511.jpg 768w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/ipoteka-u-agenta-18x12.jpg 18w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/ipoteka-u-agenta.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Can the agent cause harm? When should you be careful?<\/h2>\n\n\n\n<p>Honest and transparent - yes, <strong>Not every agent is equally professional.<\/strong>.<\/p>\n\n\n\n<p>You should be wary if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The agent takes money from the client for the mortgage<\/li>\n\n\n\n<li>works only with one bank<\/li>\n\n\n\n<li>does not explain the conditions<\/li>\n\n\n\n<li>promises a &quot;100% guarantee&quot;\u00ab<\/li>\n<\/ul>\n\n\n\n<p>Professional agent:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>explains the risks<\/li>\n\n\n\n<li>speaks honestly, if it&#039;s too early now<\/li>\n\n\n\n<li>works in the interests of the client, not the bank<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Self-Payment Mortgages: Where Clients Mostly Lose Money<\/h2>\n\n\n\n<p>Applying for a mortgage without an agent <strong>doesn&#039;t automatically make it cheaper<\/strong>.<br>But it often leads to errors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>submitting an application without preparation<\/li>\n\n\n\n<li>a refusal that worsens your credit profile<\/li>\n\n\n\n<li>choosing a bank with the worst conditions<\/li>\n\n\n\n<li>acceptance of the first proposed bid<\/li>\n<\/ul>\n\n\n\n<p>Sometimes the difference is in the conditions:<br>\ud83d\udc49 <strong>tens of thousands of zlotys for the entire term of the mortgage<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Especially important for foreigners<\/h2>\n\n\n\n<p>For foreigners, mortgages in Poland are more difficult due to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>documents<\/li>\n\n\n\n<li>contracts<\/li>\n\n\n\n<li>income nuances<\/li>\n\n\n\n<li>risk assessments<\/li>\n<\/ul>\n\n\n\n<p>Agent:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>knows which banks actually lend to foreigners<\/li>\n\n\n\n<li>helps to prepare documents correctly<\/li>\n\n\n\n<li>reduces the risk of failure<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom line: truth or myth?<\/h2>\n\n\n\n<p>\ud83d\udc49 <strong>MYTH.<\/strong><\/p>\n\n\n\n<p>Credit agent <strong>does not make the mortgage more expensive<\/strong>.<br>In reality, it is more often:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>helps to get a mortgage<\/li>\n\n\n\n<li>improves conditions<\/li>\n\n\n\n<li>saves time and money<\/li>\n<\/ul>\n\n\n\n<p>Especially if the mortgage is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>first experience in Poland<\/li>\n\n\n\n<li>foreign client<\/li>\n\n\n\n<li>difficult financial situation<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Our position and approach<\/h2>\n\n\n\n<p>As real estate professionals, we <strong>have a direct interest in <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">the mortgage was obtained<\/a><\/strong>.<\/p>\n\n\n\n<p>Very often a mortgage is:<br>\ud83d\udc49 <strong>a journey of 6-12 months<\/strong>, and not just one visit to the bank.<\/p>\n\n\n\n<p>We:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>We assess the real mortgage creditworthiness<\/li>\n\n\n\n<li>let&#039;s speak honestly, if it&#039;s too early now<\/li>\n\n\n\n<li>we suggest what to improve<\/li>\n\n\n\n<li>We support the client from preparation to the bank&#039;s decision<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Our goal is <strong>not just a mortgage<\/strong><\/a>, A <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage on the best possible terms<\/a><\/strong>.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041f\u0440\u0438 \u043f\u043b\u0430\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u043c\u043d\u043e\u0433\u0438\u0435 \u043a\u043b\u0438\u0435\u043d\u0442\u044b, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u0446\u044b, \u0437\u0430\u0434\u0430\u044e\u0442 \u043e\u0434\u0438\u043d \u0438 \u0442\u043e\u0442 \u0436\u0435 \u0432\u043e\u043f\u0440\u043e\u0441:\u043e\u0444\u043e\u0440\u043c\u043b\u044f\u0442\u044c \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0441\u0430\u043c\u043e\u0441\u0442\u043e\u044f\u0442\u0435\u043b\u044c\u043d\u043e \u0438\u043b\u0438 \u0447\u0435\u0440\u0435\u0437 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e<\/p>","protected":false},"author":1,"featured_media":371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/370","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=370"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/370\/revisions"}],"predecessor-version":[{"id":373,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/370\/revisions\/373"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/371"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}