We help foreign professionals buy a home in Warsaw: EU and non-EU citizens, employment and B2B contracts, Blue Card and residence-card holders, and buyers with a short Polish credit history.
Both EU and non-EU nationals can borrow from Polish banks to buy a home in Warsaw. The dividing line is residence and documentation, not nationality. EU citizens meet the lightest requirements. Non-EU citizens qualify with a valid residence card and income taxed in Poland.
Warsaw is Poland's largest and most expensive market. Secondary-market flats averaged around PLN 16,400 per square metre in early 2026 (NBP, Q1 2026), so the amount you can borrow and how a bank reads your profile both matter. The table below shows where the two groups differ in practice.
| Criterion | EU citizens | Non-EU citizens |
|---|---|---|
| Right to buy a flat | Yes, no special permit | Yes for most apartments; an MSWiA permit can apply to certain houses and land |
| Residence documents | EU citizen registration certificate. PESEL. Confirmed home address. | Valid residence card required; a longer remaining validity is preferred (at least 12 months beyond the mortgage application). Without a residence card, a PESEL is required (available at one bank only). PESEL. Confirmed home address. |
| Typical minimum deposit | 10-20%. A 20% deposit earns better pricing. | 10-20%. A 20% deposit earns better pricing. |
| Choice of banks | Wide | Narrower; fewer banks lend, so matching matters more |
| Credit history | Home-country credit history (the equivalent of Polish BIK) is sometimes required | Home-country credit history (the equivalent of Polish BIK) is sometimes required |
| Foreign-currency income | Full income in EUR: one bank only. Otherwise accepted by some banks with a haircut, when combined with a second income in PLN. Details at the consultation. | Full income in EUR: one bank only. Otherwise accepted by some banks with a haircut, when combined with a second income in PLN. Details at the consultation. |
Whichever group you fall into, the practical work is the same: confirm you meet each bank's rules before you apply, and apply only to the two or three banks that fit your exact profile.
Three things decide most Warsaw applications for foreigners: your residence status, the currency your income is paid in, and how your employment is structured. Each one changes which banks will lend and on what terms.
EU citizens need an EU citizen registration certificate to apply. Non-EU applicants always need a residence card, and banks pay close attention to how long it is still valid. A card with less than a year left narrows your choices; a longer card or a Blue Card widens them significantly. A PESEL number is a formal lending requirement, so arrange it early.
Income paid in PLN is the simplest case. If you are paid in euros, dollars or pounds, fewer banks will lend and they convert your income at a reduced rate (a haircut), which directly lowers your borrowing capacity. On its own, income in a foreign currency is generally not accepted; it counts only when paired with income in PLN, with income in euros the exception. This is common for corporate employees and remote specialists, and it is the main reason to match lenders before applying rather than face a rejection.
An employment contract (umowa o pracę) is the most readily and simply accepted by every bank. B2B income (sole proprietorship, JDG) and ryczałt are accepted by banks, usually after around two years of activity, and are assessed from your tax records rather than the invoices you issue. If you are employed by a foreign company with no Polish entity, the choice of banks is very limited. Easy Mortgage works successfully with foreign IT contractors on B2B in cases where many other brokers step away.
We check your profile against 15+ banks, rule out the ones that will not lend to your residence status, income currency or contract type, then compare the two or three that will on rate, total cost and approval odds. You apply where you are most likely to be approved on the best terms.
Our advice and application work cost you nothing. Banks pay the broker a commission after your mortgage completes, so our incentive is a mortgage that actually closes. You still pay standard third-party costs such as the bank valuation, notary and any bank fees, and we tell you those figures upfront.
Easy Mortgage compares offers across 15+ banks as a partner of NOTUS Finanse S.A. and holds a KNF licence.
From a complete application to a bank decision takes about four to six weeks, then a notary appointment to sign. Here is the full path from first contact to keys.
You share your profile: nationality, residence status, income and target budget. We tell you where you stand and which banks fit.Same day
A short call to confirm your employment structure, residence card and the exact documents your case needs.Within 24 hours
We send English templates for your employer or HR and a checklist with examples, so you gather the right papers once.3-5 days
We compare the banks that will lend to your profile and agree the two or three worth applying to.1-2 days
We complete the forms in Polish, submit the full package and handle all bank communication for you.1 day
The bank issues its decision, then you sign at the notary. We explain the Polish documents before you sign.2-3 weeks
Most Warsaw applications need four groups of documents: identity and residence, income, the property, and proof of your deposit for anti-money-laundering checks. Gaps in any group are the usual cause of delay.
Expect four to six weeks from a complete application to a decision, and a further couple of weeks to the notary. The clock starts when the file is complete, not when you first make contact, which is why document preparation is where most time is won or lost.
Real, anonymised outcomes for foreign buyers in Warsaw, grouped by the situations that most often decide a case: combining incomes, moving from employment to B2B, and a suspended business.
Both partners are on permanent contracts paid in PLN and applied together. The bank adds both incomes and assesses the household as a whole, and marriage is not required to apply jointly. Approved as a joint mortgage in PLN.
Three years employed at a Warsaw software house, then B2B with the same company for the last four months - same role, same team. Placed with a bank that accepts B2B in IT, legal or healthcare after three months, as long as the work has not changed. Income is averaged over the whole B2B period. Approved as a mortgage in PLN.
A sole trader for four years who suspended the business for three weeks last year and has been active since. Placed with a bank that accepts a total suspension of up to 30 days in the last 24 months. Several banks rule out any suspension in the last two tax years, so the choice of bank decides this case. Approved as a mortgage in PLN.
Real reviews from clients on Google, where Easy Mortgage holds a 5.0 rating.
I had an outstanding experience working with Mr. Bartłomiej Bożko for my mortgage process. From start to finish, he provided clear guidance, expert advice, and unwavering support, making what could have been a complex process incredibly smooth and stress-free. I highly recommend him to anyone buying a property who needs expert guidance.
From the beginning, he made everything so much easier to understand and offered great advice every step of the way. What stood out most was how responsive and patient Bart was throughout the whole process. He truly knows his stuff and genuinely cares about helping you get the best deal.
Bartek is a very good mortgage consultant. I had quite a few issues with bank and legal document preparation that were well managed by him. He is professional, proactive, and especially communicative: you are kept informed about the application status with a full explanation of what to do and why. Definitely recommend him and his service.
Bartłomiej demonstrated exceptional expertise and professionalism. He has in-depth knowledge of bank rules, interest rates and lending processes, and prioritised my needs with personalised solutions and transparent communication. Highly recommended for anyone seeking expert help in securing a mortgage.
Bartek was a huge help in the process. He gave us clear instructions and professional support that made it much easier. Highly recommend.
Very professional and knowledgeable. It was apparent from the beginning that Mr. Bartłomiej has many years of experience in the field and knows the mortgage process inside and out. We had a positive experience working with him.
Yes. EU citizens borrow on the same terms as Polish nationals. Non-EU applicants qualify with a valid residence card and income earned and taxed in Poland. Nationality itself is rarely the deciding factor; residence and documentation are.
Yes. Several Polish banks finance self-employed applicants on B2B (JDG) or ryczałt. Most require around two years of continuous activity, though some accept a shorter period. B2B income is verified from tax documents, not from invoices.
For a mortgage application a PESEL number is required, so arrange it early. You do not need permanent residence or Polish citizenship to buy. EU citizens buy property freely; most non-EU buyers of an apartment do not need MSWiA approval, though buying some houses or plots of land can require it.
Plan for at least 20 percent of the purchase price. Some banks accept 10 percent with insurance for the missing contribution, but a larger deposit means a wider choice of banks and better terms. The deposit must be fully documented for AML, especially if the funds are transferred from abroad.
Yes, but fewer banks lend against foreign-currency income and they apply a conversion haircut, which reduces your available borrowing capacity. Matching your currency and employment situation to the right banks before applying is a core part of a broker's job.
No. We run the whole process in English, explain everything and translate all correspondence with the bank. The final loan agreement templates are drawn up by the bank in Polish; we explain them in detail before you sign.
About four to six weeks from a complete application to the bank's decision, then a notary appointment to sign the deed. Missing documents, an undocumented deposit or a residence card nearing expiry are the most common causes of delay.
For you, our service is completely free. The bank pays us after the deal completes, so advice and application handling cost 0 PLN. Standard third-party costs remain on your side, such as the property valuer, notary and bank fees.
Deeper guides for specific profiles buying in Warsaw, covering the documents, credit history and bank questions that apply to each.
Based in Kraków, we work with buyers across Warsaw in English, mostly by video and phone, and handle the whole bank process for you. Tell us your situation and we will tell you which banks fit, at no cost.
Advice by Bartłomiej Bożko, founder of Easy Mortgage · kontakt@easymortgage.pl · +48 579 073 844