Braveheart16 18 | 286 29 Dec 2015 #1I know that a lot has been written about mortgages in Poland but wanted to share my recent experience. I asked my bank PKO for information on obtaining a mortgage with them. My wife is Polish and I am British. Although the staff were very helpful and tried their best, they said that because I was not earning an income in Poland it was not possible to get a mortgage with them. I receive a monthly pension of 6,000 zlotys but can work if necessary. I intend to buy a property and will put down about 200,000 zl towards a house purchase and plan to make up any difference, say about 100,000 to 150,000 zl with a mortgage. We were told that I or my wife must have a job and be earning in Poland in order to get a mortgage. (neither of us have a job in Poland but we could if necessary)The bank clerk said that normally we would have to be working in Poland for about 3 months to get a mortgage or even better a year. They did however say it was possible to get a loan for 100,000-200,000zl but this would have to be paid back over an 8 year period, which would make monthly payments too expensive. They were unable to offer a loan over a longer period. I find this all very odd and I would have expected mortgages to be based on fixed income rather than the mere fact of having a job. I did ask that if I did have a job how much I would have to earn before I could get a 150,000zl mortgage and the clerk wasn't able to answer. The clerk did however suggest that although she would like to help all this was to prevent foreign buyers from buying property in Poland. I thought that as we are in the EU that the purchase of property would in general be something banks would be knowledgeable on and would embrace.Would anyone be able to share their experience or could anyone advise on how we can move on and get a mortgage. Thank you.