on doing some more internet research on other websites i see that due to the following KNF recommendation
Bank should give public retail clients loans only in the currency they receive money at their work; that includes clients who have high salaries."
mortgages should only be taken in the currency that earnings are paid in.
so as commented on another website:
According to KNF suggestions, people who work abroad may get a credit in Poland only in the currency they currently received at their job.
Home mortgages in EURO are offered by the following banks: Deutche Bank, Getin Bank, mBank, Alior Bank, BZ WBK, BOŚ, Pekao.
Mortgages in USD are offered by: mBank, BOŚ, and Pekao.
In British Pounds (GBP): mBank.
Thus, working in the UK it seems mBank may be our only option. We also have been forwarded details of 'Open Finance' from the vendor / developer.
I don't think mBank has any branches in Oswiecim and is quite internet based, and charges around 4% prowisja (arrangement fee?) which is nearly double compared to other banks so if anybody has any positive / negative experiences with either mBank or Open Finance or can offer any other solid reputable options for obtaining a mortgage in Poland while earning GBP in the UK, please let me know.