Help with Poland mortgages! (not married couple)

Hi all,

I am British and currently living in Poland (I have NIP, PESEL and a karta tymczasowego pobytu). My partner is Polish. We are not married but want to buy a flat together. We need to take out a mortgage to cover about 78% of the purchase and want to be co-owners (50% each). I am not currently on a permanent work contract (naturally I teach English) and the bank is asking for confirmation from the UK that I have no loans/mortgages - can they request this? What will I need to show the bank? If we were married I would simply be considered dependent on my partner - does anyone know the rules for co-habiting couples in Poland? We want to get married in a few years but want to be settled first!

Thanks

I had to get some kind of credit check done years ago, to show that I was not in massive debt in the UK, before getting credit in poland. There is such a service available. I think I just did a search on the web for credit checks and I paid for one. When it arrived it was a list of all my credit, the dates that they were taken out and how much was left to pay. I then had to get a sworn translation of it and give it to the Polish bank.

Hope that helps

Use experian, equifax or checkmyfile website to order your credit report.

Thanks for the help will try this now.