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Temporary residence card to obtain a mortgage in Poland?

20 May 2007 /  #1

I currently live in Bydgoszcz, Poland with my girlfriend, and I wish to buy a property. I am currently renting at the moment. I am British and have a british passport. I was told that to obtain a mortgage secured on a polish property, I need a "temporary residence card". Has anyone obtained one of these? If so, how long was the process? Also, what is the best polish bank to obtain a mortgage from?

I hope someone can help.


StephenBarnes - | 6  
20 May 2007 /  #2
You may find that some of the best mortgage deals are only available to those with Polish residency. However, it is now easy for foreigners to get mortgages. I have used OpenFinance as brokers and found them very helpful. They are in the main cities. No doubt there are other good brokers.
OP Britguy  
21 May 2007 /  #3
Thank you for your reply, Stephen. Can you tell me, do you have temporary residency, or are you British? What kind of deal dixd you get from OpenFinance?

Many thanks,

davidpeake 14 | 451  
21 May 2007 /  #4
hi Britguy,

i am married to a polish lady and have my temp card, alot of paperwork is involved, it would be easier to ask your girlfriend to find out about it for you. Not to hard if you are living together and have been in a long term relationship
StephenBarnes - | 6  
21 May 2007 /  #5
Open Finance are brokers so hopefully they will pick the best lender. Of course, they charge a commission. I'm UK resident. Stephen
9 Dec 2007 /  #6
Hi, depending on which office you process your application. In krakow it took 4 weeks as long as you submit all the documents needed in the first instance. Oh, and you need more then a residence card to buy property in poland. You need permission from local majors office! Sorry to put another object in your way.

Im british and i have been here for 6 months, its better if you find an accountant and a lawyer. It dont cost must compared to the pound. If you wnet down this route, you will get accurate information straight away and the whole process will be much quicker.

This is not England. In poland you need to prove your self and have support all the time. Most people in poland dont understand how their own system works. Thats why its important to have legal support all the time.

9/10 polish people working in goverment offices will not be helpfull enough because they dont get paid much and they dont get trained with the right information.

Take care.
eleanoroconner 4 | 55  
10 Dec 2007 /  #7
Wise words from Steve 25.

To get a mortgage where there is no commission to pay (which is what I did) fill out the form at:

and for a solicitor:

I have bought three properties in Poland and don't know anything about this "residency cards" but I left all the paperwork to those who know what their doing. They asked me for this and that, I gave it to them, and I purchased. Much easier than trying to do it yourself!
MrBubbles 10 | 614  
10 Dec 2007 /  #8
To get a mortgage where there is no commission to pay (which is what I did) fill out the form at:

A word from our sponsors there
andy b 4 | 156  
12 Dec 2007 /  #9
Regarding Open Finance, from what I have heard they push pretty much all foreign applicants in the direction of Noble Bank, to whom they are affiliated (same ownership I think). Noble Bank do not have very competitive interest rates and their fees/commissions are also high.

My business, Poland Mortgage Direct, uses some of the major banks - BZWBK, Deutsche, Millennium, Fortis to name a few - these mortgage offers, should the applicant qualify, are very competitive and the same as what a Polish applicant should get (though LTV max is usually 80-90% for foreigners).
17 Feb 2009 /  #10
[Moved from]: Looking to purchase an apartment in tri city area. Receiving mortgage?

My husband and I are looking to buy an apartment in the try city area, Gdansk or Gdynia possibly, but we have not lived in Poland for many years. We are originally from there but have resided in the Usa for the past 14 years. How would we go about receiving mortgage in Poland? Please help... :)
Grzegorz_ 51 | 6,161  
17 Feb 2009 /  #11
How would we go about receiving mortgage in Poland?

It's not easy now... Without getting a job first and working at least 6 months for a high enough salary I doubt that there's any chance.
andy b 4 | 156  
27 Feb 2009 /  #12
Not true Grzegorz.

Olamonkey, there are still around 5 banks in Poland which will consider applications from non-residents who earn money outside of Poland. Being Polish will help you, but more important will be your quality as an applicant - size of income and place of work, amount of liabilities etc.

We can assess your chances if you fill in the submission form on our website, poland-mortgage-direct
Katarzyna7 - | 4  
27 Feb 2009 /  #13
Grzegorz has right.
I tried to apply for a loan for my boss who is Englishman (he is running a business in Poland) three months ago, and that was impossible.
andy b 4 | 156  
27 Feb 2009 /  #14
That is one case. I am not saying that every foreigner can qualify for a mortgage in Poland, but some can. Two of my clients were approved this month for mortgages. It is difficult at the moment, but not impossible.
14 May 2009 /  #15
in poland everything is hard ./really very poor country, people they still remember them past , they are living with past,

they is not help even about information , everything with polish language ../ you have always to have some one to expand for you procedure and what is writing in papers , street, offices,

no life for some one from abroad, poor country, people they are poor in mind , women better than men they are more responsibility.

14 May 2009 /  #16

I agree with anby B. do not go to open finance because you will be given noble bank offer without checking other options.

do not use millennium - they need translation of all documents which are not in polish
DB- the best offer at the moment but a bit you will wait 1-2 months
fortis - low LTV and terms of the mortgage. only pln available
BZWBK - they do not give finance for self employed now, full time jobs are also rejected, they

need advice just write me
2 Sep 2009 /  #17
hi daniel. would you know what the (current) average interest is for a mortgage in gdansk? many thanks. sylvia.

hi andy. i am oriental and my husband is polish but we are currently residing in london. do you think it would be easy to get approval for our mortgage application (somewhere in gdansk)? his brother who owns about two flats in gdansk (i dont know if that will help) will co-sign. many thanks. sylvia

That is one case. I am not saying that every foreigner can qualify for a mortgage in Poland, but some can. Two of my clients were approved this month for mortgages. It is difficult at the moment, but not impossible.

oh so there's still hope. that's good news. thanks andy.

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