DOMUS GLOBALResidence status
Citizenship, the basis of your stay in Poland and document validity can affect lender requirements and transaction formalities.
MORTGAGE IN POLAND · INTERNATIONAL BUYERS
Mortgage in Poland for international buyers — from eligibility to completion
For an international buyer, the mortgage process starts with eligibility, not the headline rate. Residence status, income, the property itself and, in some cases, an MSWiA permit can change the route.
We coordinate lender requirements with your residence status, income documents, the property and transaction deadlines. If an MSWiA permit is relevant, it becomes part of the same transaction plan.
I first check whether your situation can realistically work with a lender and the transaction itself. Only then does it make sense to compare rates and lenders.
about 5–7 minutes · no mortgage application
INTERNATIONAL BUYER
What changes when the buyer is not a Polish citizen?
Income and deposit are only part of the picture. Buyer status, source of income, the property and transaction timing can all change the mortgage route.
Income and employment
Lenders may consider not only the amount of income but also its country and currency, employment or business structure, history and supporting documents.
Property
A flat, house, land or a separate interest in another property can require different checks. In some cases an MSWiA acquisition permit is relevant.
Timing
Residence documents, lender decisions, a possible MSWiA permit and contract dates need to fit into one workable transaction timeline.
YOUR SITUATION
Which situation is closest to yours?
Choose the starting point that best describes your case. You do not need to know the name of the service or lender product.
I am an EU/EEA or Swiss citizen
An MSWiA acquisition permit is not required because of my citizenship. Mortgage eligibility, income and property documentation still need to be checked.
Review my mortgage route →I am a UK or other non-EEA citizen
Permit requirements depend on the property and the statutory exemptions that apply to the transaction. I want to check this before committing to a purchase.
Review my buyer status →I live and earn in Poland
My main residence and income are in Poland and I want to establish a realistic mortgage budget.
Check my financing scenario →I earn outside Poland
My salary, business income or other income comes from another country or is paid in another currency.
Review foreign income →I am buying a house or land
I need to check both financing and whether the acquisition itself requires additional formalities or an MSWiA permit.
Check MSWiA requirements →I have already selected a property
I know the property, price and expected transaction dates and need to align the lender, formalities and contract.
Review the transaction →BUYER FORMALITIES
Do you need an MSWiA permit?
The answer depends on citizenship, the type and location of the property and, in some transactions, exactly what rights are being acquired.
EU/EEA and Swiss citizens
No MSWiA acquisition permit is required
Citizens of the European Economic Area and Switzerland are exempt from the acquisition-permit requirement.
Other nationalities + a standalone flat
A permit is often not required
The acquisition of a standalone residential unit outside the border area is covered by a statutory exemption. The transaction still needs to be checked for any separate rights or property interests that may follow a different rule.
House, land or a more complex structure
Check the specific transaction
A house, land, a separate interest in a road or another plot, a border-area property or other transaction features can change the requirements.
TOOLS
What do you want to calculate?
Borrowing capacity calculator
What purchase budget should I work with?
Estimate a financial range from income and commitments. For an international buyer, lender acceptance of residence status, income country and currency must still be checked separately.
A dedicated calculator is not yet available in this language. Prepare your profile to review this question.
Prepare your mortgage profile →Mortgage repayment calculator
What could the monthly repayment be?
Compare indicative repayments across different loan amounts, terms and interest rates.
Calculate repayment →Total purchase cost calculator
How much cash does the whole purchase require?
Bring the purchase price, own funds, taxes, notarial fees and other transaction costs into one budget.
A dedicated calculator is not yet available in this language. Prepare your profile to review this question.
Prepare your mortgage profile →RKM for foreign residents
RKM for foreign residents
Check the apartment price cap, down payment and BGK guarantee, then review the programme and lender requirements for foreign residents.
Check whether the programme can apply to your household and situation.
Check the programme →If you already have a mortgage
Would an overpayment change the cost meaningfully?
A dedicated calculator is not yet available in this language. Prepare your profile to review this question.
Prepare your mortgage profile →Would refinancing improve the remaining mortgage scenario?
A dedicated calculator is not yet available in this language. Prepare your profile to review this question.
Prepare your mortgage profile →WHAT NEEDS TO BE CHECKED
Information that matters before a mortgage application
Identity and residence
Passport, citizenship, basis of stay in Poland, document type and validity.
Income and employment
Employment or business structure, history, amount, country and currency of income and how it can be evidenced.
Own funds
Deposit amount, source of funds and a reserve for transaction costs.
Property
Property type, documents, legal status, price, contract terms and any possible MSWiA requirement.
The exact document list depends on the lender and the transaction. Do not upload sensitive financial documents at this first stage.
THE TRANSACTION JOURNEY
An international mortgage is more than a repayment calculation.
- 01
Buyer status
Confirm citizenship, residence basis and relevant documents.
- 02
Income
Establish how a lender may assess the source and currency of income.
- 03
Property
Check the type of property and documents that affect financing.
- 04
MSWiA — if relevant
Build any permit requirement into the order and timing of the transaction.
- 05
Budget
Combine own funds, mortgage financing and purchase costs.
- 06
Lender
Move from an indicative scenario to realistic lender options.
- 07
Contract
Align lender timing with commitments to the seller.
MORTGAGE PROFILE
Give us the context before we discuss the mortgage.
The profile takes about 5–7 minutes. Share the basic facts about your residence status, income and intended purchase so the adviser can review the situation before the first conversation.
Describe the situation
Basic information about the buyer, income, own funds and the property.
We prepare
The adviser identifies the points that need to be clarified before approaching lenders.
Discuss the real scenario
The first conversation starts with your case rather than basic data collection.
The mortgage profile is not a mortgage application and does not promise a lender decision.
From a calculation to a workable mortgage scenario.
Mariusz Kaczor
Mortgage adviser at DOMUS GLOBAL
A calculator gives you numbers. An international buyer also needs residence status, income, property formalities and contract timing to work together.
Prepare your mortgage profile →Questions before you buy
Can a foreign national get a mortgage in Poland?
It may be possible. A lender reviews residence status, income, commitments and the property. Language does not establish citizenship, and an initial scenario is not a lending decision.
Do I need a Polish residence permit for a mortgage?
There is no single document requirement for every buyer and lender. Citizenship, the basis of residence and lender policy matter. Confirm the documents relevant to your circumstances before committing to a purchase.
Do EU/EEA citizens need an MSWiA permit?
EEA and Swiss citizens are exempt from the MSWiA acquisition-permit requirement. Lender eligibility and other property or transaction requirements still need separate checks.
Do I need an MSWiA permit to buy a flat?
A standalone residential unit outside the border area can qualify for a statutory exemption. Check any separate land, road share or other property rights included in the transaction. EEA and Swiss buyers have a separate citizenship-based exemption.
What changes if I am a UK citizen?
UK citizenship does not provide the EEA/Swiss citizenship exemption. A property-based or other statutory exemption may still apply. Review the property, location and exact rights being acquired before committing.
Can a Polish lender accept income earned abroad?
Acceptance depends on the lender and the evidence available. Country, currency, employment or business structure and income history can all matter. A repayment calculation does not establish lender acceptance.
See all mortgage questions →
Can a foreign national use the Rodzinny Kredyt Mieszkaniowy programme?
Check the conditions for your household, its place of residence and the proposed purchase. Nationality alone does not establish eligibility, and the lender must assess borrowing capacity separately.
What costs should I budget for besides the deposit?
Budget for applicable taxes, notarial and court fees, financing costs and a reserve as well as the deposit. The amount depends on the property, financing and transaction terms.
KNOWLEDGE
Prepare for the next step
How to prepare financing for a purchase
The budget, evidence, and bank timing should match the stages of the actual transaction.
How to prepare for a property purchase
Bring the goal, budget, property criteria, and timing into one plan before making a commitment.
How to prepare a property and contract review
Separate confirmed facts from assumptions and close material questions before signing or paying.