Support in Poznan

How a mortgage works when a realtor runs the purchase

We check borrowing capacity and the bank’s decision time before you reserve. With a mortgage specialist we build the file and take the deal to the notarial deed. This is not a bank offer or an approval guarantee. Updated September 2026.

What the service includes

A capacity check before you offer on a flat. A comparison of programmes that actually take foreigners with your contract type. The document file, the valuation, and a preliminary contract timed to the bank decision. At the deed I run the purchase as a licensed realtor (licence 31933).

Residence, BIK and employment forks are in the mortgage-for-foreigners guide. Transaction papers are in documents.

What it does not include, and who is paid

The bank calculates DTI and issues the decision. I am not an underwriter and I do not promise an advert rate. The 2.5% agency fee is for the purchase, not for the loan. The mortgage specialist works separately; a bank commission they may receive is not my fee.

PCC, notary and court fees are in taxes. The flat itself is on buying apartments in Poznan.

A short filter

Who should go to a bank now — and who should wait

A passport alone does not close a mortgage. The bank reads residence, PLN income, job tenure and down payment. Below is a typical fork, not a score for your file.

EU/EEA citizen with PLN income
Most banks treat the file close to a Pole’s. You still need PESEL, stay registration and documented income. LTV and the margin still depend on BIK and the down payment.
Non-EU with a card valid ≥12 months
Realistic with 3–6 months on an employment contract or 12+ on B2B. Budget 20–30% down. If the card ends in under a year, extend it before the application.
Too early for a bank
No residence card. PESEL UKR only, no CUKR card. Income only from abroad. 5–9% down. A card that expires in a few months. Fix status and cash first, do not reserve a flat.
House, plot, commercial unit
A flat (lokal mieszkalny) is usually bought by non-EU buyers without an MSWiA permit. A house with land often is not. The bank will not fund an asset you cannot legally buy. We check this before an offer.
Preliminary estimate

Mortgage calculator

Estimate your monthly payment in seconds. Move the sliders or type exact values — the result updates instantly.

PLN
200 000 3 000 000
%
10% 90%
years
5 30
Timelines, not slogans

A mortgaged purchase in Poznan

Banks more often need 4–8 weeks to a decision than 14 days. We write the preliminary contract with that buffer, or the deposit is already paid and the seller can walk.

1
Capacity check before an offer
We look at PLN income, contract type, card validity, BIK and the down payment. We estimate the instalment. If the file is too thin, we say so before viewings, not after the deposit.
  • Income, liabilities, currency
  • Residence-card validity
  • Maximum loan amount
2
Preliminary decision and the bank
A mortgage specialist compares programmes for your profile. The goal is a preliminary decision, or at least a list of banks that will take this file, before you reserve the flat.
  • Comparing terms
  • That bank’s document list
  • A monthly-payment range
3
Preliminary contract timed to the bank
We write time for the decision and the valuation into the contract — usually 4–8 weeks, not two. A short deposit otherwise breaks the loan: the bank is still counting and the seller already wants the deed.
  • Longer than a typical 14-day window
  • Deposit refund terms
  • Tied to the bank timetable
4
Valuation, documents, decision
The bank orders a property valuation (often around PLN 500). We finish PIT, statements, certificates. We answer credit-committee questions. A decision usually takes 2–6 weeks after a complete file.
  • Bank valuation
  • Income and residence pack
  • Credit decision
5
Loan agreement and the deed
After the decision we sign the loan agreement and the notarial deed. We register the mortgage in the land register. At the deed I run the purchase as the realtor.
  • Signing the loan agreement
  • Purchase deed
  • Mortgage entry in KW
Cash at closing

Extra costs when buying with a mortgage

Besides the down payment you need a notary, court fees, a bank valuation and often PCC. The 2.5% agency fee is for the purchase, not the loan. APR and bank fees come only from the offer.

Stage 1: before the bank decision

While the bank reads the file, reservation costs are already running. A decision after a complete pack is more often 2–6 weeks, not “always in two weeks”.

  • 1,200-2,000 PLN - notary (preliminary agreement)
  • 2.5% of property value - agency commission
01

Stage 2: after the decision, at the deed

On the secondary market PCC is usually 2% of the deed price. That is a civil-law transaction tax, not a “property tax”. The first-home relief does not remove PCC for everyone — see taxes. New builds go with VAT, without the typical 2% PCC.

  • PLN 350 — land-register entry
  • PCC 2% on resale (with exceptions, not “if you already owned a share”)
  • PLN 1,800–2,000 — notary (purchase deed)
  • ~PLN 500 — bank valuation
  • Bank fee 0–2% and APR (RRSO) — from the offer, not the calculator
02
A range, not a price list

What the bank puts in the offer

The figures below are a typical corridor, not your offer. Exact LTV, margin and APR are written after the bank reads the file.

Loan amount
Up to 80% LTV (20% down) is more common than 80–90%. A 10% down payment with a temporary card is often refused. 80–90% is a strong file, not the rule.
Loan term
Usually 25–30 years, with an age cap on the last instalment. A longer term lowers the payment and raises total interest.
Rate and APR
The calculator on this page illustrates WIBOR/WIRON + margin. That is not an offer. APR, a 0–2% fee and compounding sit only in the bank decision.
Down payment
The standard is 10–20%. For non-EU buyers on a temporary card, 20–30% is safer. The bank checks the source of funds separately.
Insurance
The bank almost always requires property insurance assigned to the lender. Life cover is often a condition of that offer, not a statute. What is mandatory sits in the loan agreement.
From Poznan deals

Why a two-week reservation breaks the loan

Not a made-up “97% success”. The usual break when the loan and the deposit are timed separately.

A short card and a short deposit

On a temporary card the bank often needs 4–8 weeks plus a valuation. If the preliminary contract allows 14 days, the seller can walk and the deposit is already paid. A refusal on a short card is not a “bad client” — it is a mismatch of stay and loan term.

So we run a preliminary check before reservation and write spare time into the contract. Flats in Poznan are on the buying page; foreigner rules are in the mortgage guide.

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FAQ

Questions about a purchase mortgage in Poznan

About Marina Buguk
About us

EU citizens usually need stay registration, not a card. Outside the EU, a mortgage without a residence card is rare. PESEL UKR alone is often not enough — banks want a card (including CUKR). Status forks are on the mortgage-for-foreigners page.

After a complete file, 2–6 weeks plus a valuation is common. Fourteen days to the deed in the contract is usually too short. Run the check and the contract buffer before the deposit, not after.

Banks almost always want a PESEL. Meldunek helps as an address, but it does not open the loan by itself. Legal stay and income in Poland do.

On an employment contract banks often want 3–6 months. On B2B and sole trade — 12 months, sometimes 24 on a lump-sum tax. Some banks treat IT B2B more softly. That is not a rule.

The 2.5% agency fee is for the purchase, not the loan. The mortgage specialist works separately; a bank commission they may receive is not my fee. We unpack that on the call.

It depends on the preliminary contract. A short decision window or no bank-refusal clause can mean losing the deposit. That is why we time the file and the contract before reservation.

No. PCC 2% is the resale-market default, not “a tax if you already owned property”. First-home relief does not remove PCC for everyone. New builds usually have VAT, not PCC 2%. The map is in taxes.

No. The bank almost always wants property insurance assigned to it. Life cover is often a condition of that offer, not a statute. The mandatory list is in the loan agreement.
What our clients say

Client reviews

Maria - Property buyer, Poznan

We couldn't find an apartment on our own. Marina is our fairy rescuer! I have never seen such efficiency. She considered all our wishes, and the communication was always pleasant. The apartment is amazing and at a great price. FOR BUYING A HOME - ONLY WITH YOU!

Maria

Property buyer, Poznan

Oksana - Property buyer, Poznan

The issue was solved quickly! Marina found an apartment exactly to my requests and criteria - just what I needed. The deal was handled correctly. The best impressions from communicating with such a charming person. I will recommend!

Oksana

Property buyer, Poznan

Maria - Property buyer, Poznan

A very pleasant, communicative specialist. She found us a good apartment with a little garden. In Poland it is very hard to find a suitable apartment now, but Marina handled this task 100%. We are very satisfied!

Maria

Property buyer, Poznan

Alexey - Property buyer, Poznan

From the first minute you can see - a professional! She is focused on the client finding the right apartment. She clarifies all details and immediately sends a full catalog to choose from. Helps with the contract, organizes the meeting and signing. I will recommend to everyone!

Alexey

Property buyer, Poznan

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