How to Cut Your 2022–2025 Polish Mortgage Payment by 500 – 900 PLN per Month
Borrowers who locked in fixed or variable mortgages in 2022–2024 are often still paying 7.20% – 8.50%. Moving that balance to a ~5.95% offer takes ~3 weeks, requires no notary deed, and pays back its ~1,000 PLN closing costs in under 2 months.
1. Interactive Refinancing Calculator: Check Your Monthly & 5-Year Savings
If you took a Polish mortgage between 2022 and early 2025, your interest rate may still be between 7.20% and 8.50%. Meanwhile, new 5-year fixed offers today start at 5.88% – 5.99% with 0% bank commission. Enter your remaining balance below:
2. Why Refinancing in Poland Does Not Require a Notary Visit
Unlike buying a property, moving an existing mortgage to a cheaper Polish bank happens through regular bank agreements and online court filings (EPU / eKsięgi Wieczyste). Your total closing costs are typically around 900 – 1,200 PLN:
- Property appraisal (Operat szacunkowy): 400 – 800 PLN for an apartment (700 – 1,100 PLN for a house).
- Court fee to enter the new bank in Section IV of KW: 200 PLN flat fee.
- Court fee to remove the old bank's mortgage from KW: 100 PLN flat fee.
- Early payoff fee at your old bank: 0 PLN on fixed-rate mortgages (and 0 PLN on variable-rate loans older than 36 months).
Frequently Asked Questions (FAQ)
Do I need my old bank's permission to refinance my mortgage to another Polish bank?
No. Every borrower in Poland has a statutory right under the Mortgage Credit Act to repay their mortgage early in full using a refinancing loan from a new bank. Your old bank is legally required to issue a payoff balance certificate and a mortgage release consent (kwit mazalny) once repaid.
What happens if my property value increased since 2022–2024?
That works strongly in your favor! If you originally bought with a 10% down payment (90% LTV), higher property prices plus 2–3 years of principal payments almost always drop your current LTV below 80% – unlocking the cheapest 20%-down-payment tier at every bank (including ING and BNP Paribas).
Check real numbers for your apartment across all Polish banks
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