Guide for Spanish citizens

Mortgage in Warszawa for Spanish citizens on an employment contract

You are a Spanish citizen working in Warszawa on an employment contract, and you want to know whether a Polish bank will finance your flat. The honest answer: yes, but not every bank — the main questions are where your income is earned and the fact that your Spanish credit record does not follow you. Warszawa is the most expensive housing market in Poland, with transaction prices averaging about 16,200 zł per square metre, so the numbers matter too. Matching your exact profile to the right two or three banks — before any application is filed — is what we do, in English, at no client fee.

Check what banks accept my profile

Bank requirements

What Polish banks check in your exact situation.

Requirements differ by citizenship, income type and bank. This is what matters for a Spanish citizen on an employment contract.

What the bank checksWhat it means for you
Residence statusAs an EU citizen you do not need a residence card. Registering your stay and obtaining a PESEL are quick formalities that make the bank process smoother.
Income typeAn employment contract is the income banks like most. Indefinite-term contracts score best; fixed-term ones usually must run 6–12 months beyond the application date.
Credit historyYour Spanish record does not transfer to Poland. Banks read your local BIK file and recent account inflows, so an active Polish account works strongly in your favour.
DocumentsExpect an income certificate on the bank's own form, 3–6 months of salary inflows, and questions about probation — probation-period income is usually not counted.
Own contributionIn Warszawa a typical 50 m² flat costs about 850,000 zł, so plan roughly 170,000 zł for a 20% deposit — or ask us which banks currently accept 10% with insurance.

Warszawa market

Buying in Warszawa: the numbers.

16 200 zł/m²average transaction price, Jul 2026
170 000 zł20% deposit for a 50 m² flat
No. 1job market for foreign professionals

Process

Three steps, English all the way.

01Free eligibility check

Send your details below. We verify residence status, income and contribution before any bank sees your file.

02Bank strategy

We select 2–3 banks that realistically accept your profile, instead of sending documents everywhere.

03Application to keys

We guide documents, valuation and signing. Client fee: 0 PLN — our remuneration is settled with the bank.

FAQ

Questions Spanish buyers in Warszawa ask us.

No. EU citizens can get a Polish mortgage without a Karta Pobytu. What helps is registering your residence (the EU registration certificate) and obtaining a PESEL number — both are quick formalities that banks expect to see and that remove friction from identity checks during the application.
Income earned in Poland is the standard, universally accepted path. Income earned in Spain or elsewhere in the EU is accepted only by selected banks and always after an individual assessment of the employer, currency and documentation. If part of your income is Spanish, bank selection is the single most important decision in your case.
No. Polish banks read the local BIK register, which starts empty when you arrive. They compensate by analysing 3–6 months of inflows to your Polish bank account and any local liabilities. A clean, active Polish account with regular salary inflows is usually enough to establish credibility for a first application.
Usually yes, with a condition: most banks want the contract to extend at least 6–12 months beyond the application date, and a renewal history helps. Indefinite-term contracts are scored best. If your contract is close to expiry, the order of operations — renewal first, application second — can decide the outcome.
The core document is an income certificate issued on the bank's own template, confirming your position, contract type and average salary. Banks pair it with 3–6 months of salary inflows visible on your account. Probation-period income is usually excluded, so timing the application after probation ends is often the smarter move.
Transaction prices average about 16,200 zł per square metre, and premium new-build offers exceed 19,000 zł. Mokotów, Wola and Śródmieście are the districts expats choose most often, while Białołęka and Ursus remain more affordable. A typical 50 m² flat costs about 850,000 zł, which means roughly 170,000 zł for a 20% deposit.

Free check

Check your mortgage options.

Send your details — an English-speaking advisor calls you back with banks matched to your profile.