Yo Poznan!
So — you’ve been scrolling Polish property listings like it’s Tinder, falling in love with every apartment that has “loft vibes” and a balcony just big enough for two beers and a dream. You’re ready to buy.
But there’s one tiny problem standing between you and that shiny set of keys: getting credit in a foreign country.
You open Google, type “how to get a mortgage in Poland as a foreigner,” and suddenly wish you’d just kept renting that place with the squeaky door and suspicious neighbor.
No stress — we’ve been there.
So have Jakub Tomczak and Daniel Szcześniak from Dobry Doradca, the guys who’ve helped more expats, freelancers, and globe-trotters land their dream Polish homes than Poznań’s had rainy days in 2025.
Here’s your crash course in getting a mortgage in Poland as a foreigner, told with truth, sarcasm, and a double shot of caffeine.
1. Your Credit History Is Still Your Golden Ticket
Polish banks care about one thing above all: trust.
If your credit record back home looks clean, that’s great — but you’ll need to show proof of income and earn in Polish Zloty, have employment stability (probably 6 months as a minimum), and a few Polish documents, such as a resident card or an EU passport.
Jakub and Daniel help you translate all that foreign financial chaos into something a Polish banker will actually understand (and like). They know which banks are friendly to foreigners and how to make you look like the kind of borrower who sends thank-you cards after signing the loan.
2. You Don’t Need to Be a Millionaire (But You Do Need a Plan)
Yes, you can get a mortgage in Poland even if you’re not Polish and dont have savings. But you’ll need to prove that your income is stable — whether it’s from your business or work contract.
Jakub and Daniel know how to position your application so it says “responsible expat homeowner,” not “wandering soul with Wi-Fi.”
3. Polish Paperwork Is an Extreme Sport
Buying property in Poland as a foreigner? Buckle up.
You’ll need documents from your bank, employer, tax office, and maybe your grandmother for moral support.
Jakub and Daniel handle the red tape like pros. They know exactly which papers matter, how to organise them correctly, and which forms can make or break your application. They basically turn “bureaucratic chaos” into “approved.”
4. Timing (and the Right Bank) Is Everything
Not all Polish banks play nice with foreigners. Some are open-minded; others will ghost you after the first meeting.
Jakub and Daniel know exactly which banks lend to non-Polish citizens — and when to apply for the best approval odds.
They’ll guide you through when to strike, what documents to have ready, and how to get your deal done before someone else snags that dream flat in Jeżyce.
5. There’s Always a Way (If You’ve Got the Right Team)
You’re paid in zloty, and you’re self-employed. Maybe your income’s partly freelance. These guys have seen it all and found workarounds that actually stick.
From dual-currency loans to clever credit structures, Jakub and Daniel are the fixers you want when the bank says “no.”
When others give up, they grab a coffee and make it happen.
Final Round
Getting a mortgage in Poland as a foreigner can feel like reading tax forms blindfolded — in Polish — during rush hour.
But with Jakub and Daniel, you’ve got the dream team: strategists, negotiators, and miracle workers who actually answer your calls and speak your language (literally).
jakub.tomczak@dobrydoradca.com
+48 501 430 829
daniel.szczesniak@dobrydoradca.com
+48 502 573 608
Reach out to them to get the process rolling or just to ask some questions. Also, stay tuned — we’ve got more collabs coming soon with Jakub and Daniel, breaking down the wild world of Polish real estate, credit, and investment — minus the boring bits.
