Mortgage expert · Domio Estate

Mortgage in Poland for foreigners

I’ll find the right bank, calculate your borrowing capacity and help you buy your own home. And the bank pays for my work, not you — so my services are completely free for you.

Jarosław Jakowenczuk — Domio Estate
Jarosław Jakowenczuk Licensed mortgage expert

I work with all the leading banks in Poland

What comes to mind when you hear the word “mortgage”?

  • Stress?
  • A burden?
  • 30 long years?

What if I told you it’s a privilege?

Your 10–20%
The bank covers the rest 80–90%

Where else can you buy something big and valuable with only part of the money in hand? And from day one you live in a home of your own instead of paying someone else’s rent. And property in Poland keeps getting more expensive year after year.

Every instalment isn’t money thrown away — it’s a piece of your own property. It’s a tool that makes you a homeowner much sooner than saving up for a lifetime.

Jarosław Jakowenczuk
About me

Jarosław Jakowenczuk

I bought my first flat with a mortgage back in 2017. Since then I’ve had three mortgages and gone through refinancing. So I know this not from a textbook, but from my own experience.

Licensed mortgage expert at Domio Estate. I’ve already helped dozens of Ukrainians get a mortgage — and I want you to be next.

Who it’s for

Who can get a mortgage?

More people than you think. The bank looks at three things — and we’ll go through each of them at a free consultation.

1. Residence status

The stronger your residence status, the more banks are open to you.

  • Passport + PESEL — there is a bank for which this is enough.
  • Temporary residence card, even with only 1–3 months of validity left — some banks accept this.
  • Temporary card valid for another 6–12 months — some banks require exactly this.
  • Permanent residence or EU long-term resident — the widest choice of banks.

2. Income

It’s not just how much you earn, but on what basis.

  • Umowa o pracę / umowa zlecenie — your work history and how far ahead the contract runs both matter.
  • JDG / B2B / ryczałt — from 12 months of business activity.
  • Income in a foreign currency (USD, EUR) — some banks accept it.
  • Buying as a couple? Your incomes can be combined — and the amount will be noticeably higher.

3. Age

The last instalment must be paid before you turn 75.

  • At 40 — you can take a 30-year mortgage.
  • Even at 45 — still 30 years.
  • Age affects the loan term and instalment, not whether you’ll get it.

Not sure which banks are right for you?

At a free consultation we’ll go through your residence status, income and age — and I’ll tell you where to apply.

Book a consultation
Calculator

How much will the bank lend you?

An estimate of your borrowing capacity based on Polish banks’ rules. Takes 1 minute.

zł
Total for all borrowers. For B2B/JDG — after tax and ZUS.
Contract type
People in the household
Including children.
zł
zł
The bank counts the limit even if you don’t use it.

Estimated loan amount

—

Estimated instalment—

Want an exact calculation?

I’ll check your situation with several banks for free and tell you the real amount.

Book a consultation

This is an estimate and not a loan offer. It reflects current interest rates and KNF requirements, but each bank has its own methodology, so the actual amount may differ. Banks usually require foreigners to hold a residence card (karta pobytu).

Options

What you can use a mortgage for

Buying a flat

On the secondary market or a new build from a developer.

Buying a house

A turnkey house or one from a private owner.

Buying a plot

Land for building your own home in the future.

Building a house

Construction financing from scratch, paid in tranches by stage of work.

Renovation

Funds to renovate your flat to your taste.

Refinancing

Moving your existing loan to better terms and a lower instalment.

Service

What I do for you and why it beats going it alone

I find the best bank

I compare offers from all banks in Poland and choose the one that gives you the highest amount and the best terms — not just the one where your salary goes.

I get you the maximum amount

I know how each bank calculates income, so you get the maximum borrowing capacity — especially with JDG, B2B and ryczałt.

All the numbers up front

Interest rate, monthly instalment and all costs — insurance, valuation, notary, fees. No surprises.

Documents and applications

We prepare your documents so the bank sees you at your best, and apply to several banks at once.

I save your time

No running around banks or hunting for information in chats. I handle all communication with the banks.

With you until the keys — and after

I guide you from the first number to signing the contract, then help with overpayments and refinancing.

Book a consultationFree · 30 minutes
Process

The whole journey — step by step

1

Borrowing capacity check

I calculate how much different banks will realistically lend you, and we pick the best options. Free of charge.

2

Finding a property within your budget

Knowing your amount, you can search calmly — without the risk of falling for a flat you can’t afford.

3

Reservation agreement

You reserve the chosen flat so it isn’t sold to someone else while the loan is being arranged.

4

Applying to the bank

We gather the documents and apply to several banks at once, so you have a choice.

5

Financial decision

The bank checks your income and credit history and confirms how much it’s ready to lend.

6

Property valuation

A valuer appointed by the bank inspects the flat and confirms its value.

7

Final bank decision

The bank gives final approval and prepares the contract. We review it carefully together.

8

Signing → keys

You sign the loan agreement and the notarial deed, the bank transfers the money to the seller — and you get the keys.

Book a consultationFree · 30 minutes
Free

Get the guide and learn more

9 mistakes that stop Ukrainians from getting a mortgage (guide in Ukrainian)

A short guide to the most common mistakes — and how to avoid them.

Download PDF →
Reviews

What clients say

Real client reviews from messengers, translated from Ukrainian. Names are withheld to respect privacy.

I was told you can’t get a mortgage without a permanent residence card, and I only had a temporary one with a short validity. Jarosław explained right away that this wasn’t a problem and got to work. We applied to two banks — and got a positive decision from both! I’m very happy: everything went calmly, clearly and without unnecessary stress. A great specialist, I recommend him!
Temporary residence card
Jarosław got us a mortgage with no down payment. Before him we went to two other advisors: one calculated 200k zł, the other 600k. Jarosław calculated 900k zł — and that’s exactly the amount we got. Easy and quick to reach.
No down payment · 900k zł
I did my mortgage with Jarosław. We applied to two banks; I have a JDG and my income is in USD. I was stressed about whether I’d get a positive decision, but Jarosław explained every step and what would happen next. The decision was positive. Recommended!
JDG · income in USD
Working with Jarosław was very easy. I don’t know much about bank paperwork, but he did everything himself — I only had to collect the documents from his list. He submitted the applications, was always in touch and explained every step. In the end the bank approved everything without any issues. He saved me a lot of time and nerves. If you’re looking for a reliable specialist — go to him!
Support from documents to decision
I recommend Jarosław. We refinanced our mortgage, and he also explained the best way to overpay it.
Refinancing and overpayment
We took our mortgage through Jarosław. He was always in touch and explained everything in detail. In the end we got a positive decision from the bank. Very happy, recommended!
Positive bank decision
I refinanced my mortgage with Jarosław. Everything went quickly and smoothly. Very happy, I recommend him!
Refinancing
Questions and answers

Frequently asked questions

How can I check my borrowing capacity?+
Roughly — with the calculator on this page. Precisely — at a free consultation: I ask about your income, type of employment, monthly expenses, existing loans and household — and calculate using different banks’ formulas. You get an estimated maximum loan amount and instalment. You don’t need to apply to a bank for this preliminary calculation.
Which residence card do I need for a mortgage? What about a temporary one or CUKR?+
The stronger your residence status, the more banks are open to you. There is a bank for which a passport and PESEL are enough. Some banks accept a temporary residence card even with only 1–3 months of validity left, others require it to be valid for another 6–12 months. With permanent residence or EU long-term resident status, you have the widest choice of banks. I’ll find the ones that work with your document.
What if my income is in a foreign currency (EUR, USD)?+
That’s not a deal-breaker. Some banks accept foreign-currency income but assess it more cautiously than income in złoty, and some don’t accept it at all. That’s why it’s especially important not to apply blindly, but to go straight to a bank that works with this kind of income.
I work on an umowa zlecenie. Can I get a mortgage?+
Yes, it’s possible. Banks mainly look at your work history — how long and how continuously you’ve earned income — and at how far ahead the contract runs. Each bank has its own requirements, so I’ll review your situation and tell you which bank will view it most favourably.
I recently changed jobs or started a business (JDG). Can I apply already?+
After changing jobs — often, yes: the required work history is shorter than it seems, and each bank has its own. For a JDG, banks usually want to see at least 12 months of business activity. The key is not to apply blindly, but to check which bank will look at your situation most favourably.
What documents will I need?+
It depends on your type of income and the bank, but the basics are your residence document, proof of income and property details. I’ll put together a full list for your situation so you don’t collect anything unnecessary.
How much does buying a flat cost on top of the price?+
Besides your down payment, plan for extra costs: PCC tax of 2% (on the secondary market), notary fees, court fees for the land register (księga wieczysta) entry, property valuation, insurance and sometimes a bank or estate agent fee. I’ll calculate all of these up front so there are no surprises.
How long does the whole process take?+
A preliminary calculation — already at the first consultation. Then we gather documents, submit applications, the bank makes a decision and values the property — and you sign the contract. From application to decision usually takes a few weeks, depending on the bank. I’ll give you realistic timelines for your case.
What happens if the bank says no?+
We apply to several banks at once, so one refusal doesn’t mean all of them will refuse. If a refusal does come, we’ll find the reason and choose a bank for which it isn’t a problem.
Can I refinance my existing mortgage?+
Yes. If your loan terms are no longer the best, refinancing can lower your instalment. We’ll calculate whether it pays off for you.
How much do your services cost?+
Nothing for you. The bank pays for my work, not you. You get bank selection, calculations and support all the way to signing — for free. And your loan terms are the same as if you went to the bank directly — no extra charges.
How do we get started?+
Very simple: book a free consultation or leave a request in the form. Then I check your borrowing capacity and tell you exactly where to start.
Book a consultationFree · 30 minutes