Your Trusted Guide to Homeownership in Poland

Navigating the Polish mortgage system shouldn't be a challenge. As an independent mortgage specialist, I compare offers from 20+ banks, negotiate the best terms, and guide you through every step - in your language. My service is completely free for you.

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20+ Banks Compared
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5 Languages
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Free Service
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Independent Broker

The Person Behind Credit Embassy

Your personal guide through the Polish mortgage system

Lukasz Turczyn - Independent Mortgage Specialist

Hello, I'm Lukasz Turczyn

I understand what it's like to navigate a system that wasn't designed with you in mind. The Polish mortgage process can feel overwhelming when you're dealing with a different language, unfamiliar regulations, and dozens of banks - each with their own rules about serving international clients.

That's exactly why I created Credit Embassy. With a background in both finance and technology, and having helped hundreds of international clients find their homes in Poland, I bring a unique perspective to mortgage brokerage. I treat every client the way I'd want to be treated - with honesty, patience, and genuine care for their outcome.

As a partner of NOTUS Finanse, I work independently from any single bank. This means I'm always on your side, comparing real offers from over 20 institutions to find the one that truly fits your situation. No hidden agendas, no pressure - just honest guidance toward your new home.

🇬🇧 English 🇺🇦 Ukrainian 🇷🇺 Russian 🇮🇱 Hebrew 🇵🇱 Polish
20+
Banks
5
Languages
0 PLN
Your Cost
100%
On Your Side

How I Can Help You

Comprehensive mortgage solutions tailored for international clients in Poland

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Mortgage for Property Purchase

I compare mortgage offers from over 20 Polish banks, negotiate the best interest rates, and find the lender that's most friendly toward international clients. Whether it's an apartment in Warsaw or a house outside the city.

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Document Assistance

Polish paperwork can be daunting. I help you gather, prepare, and organize all required documents, coordinate translations when needed, and ensure everything meets bank requirements.

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Mortgage Refinancing

Already have a mortgage in Poland? Interest rates change. I check if you can lower your monthly payment by refinancing with a different bank - saving you potentially tens of thousands of PLN over the loan term.

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Down Payment Solutions

Not sure how to fund your down payment? I guide you through government programs, family gift documentation, and creative financing solutions that many banks accept but few advertise.

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Construction & Renovation Loans

Building a house or renovating a property? These loans have unique requirements and not all banks offer them equally. I find the best terms for your construction or renovation project.

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Why Work With an Independent Broker?

When you walk into a bank, they'll show you their products. When you work with me, I show you the entire market. I'm not employed by any bank - I partner with NOTUS Finanse to access 20+ lenders independently. My only job is to find you the best deal, negotiate harder than you could alone, and make the process painless. And it costs you nothing - the bank pays my commission.

How It Works

Five simple steps from first conversation to your new home

1

Free Consultation

Tell me about your plans, your situation, and your timeline. No commitment, no pressure.

2

Financial Assessment

I check your eligibility, calculate your budget, and identify the best options for your profile.

3

Bank Comparison

I present you with real, personalized offers from multiple banks - clearly explained in your language.

4

Application & Negotiation

I submit applications to your chosen banks and negotiate the best possible terms on your behalf.

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Keys in Hand

From signing to handover - I guide you through the final steps until the property is yours.

Frequently Asked Questions

Common questions from international clients looking for a mortgage in Poland

Yes. Foreigners with a valid residence permit (temporary or permanent), stable income in Poland, and proper documentation can obtain a mortgage from Polish banks. Some banks are more friendly towards international clients than others - as an independent broker, I know exactly which ones to approach for your specific situation. EU citizens generally face fewer restrictions, while non-EU nationals may need additional documentation.
Typically you will need: a valid passport, residence permit (karta pobytu), employment contract or business registration, income proof (last 3-12 months depending on the bank), bank statements, and a preliminary property agreement. Requirements vary by bank and your specific situation. Don't worry about getting everything perfect before our first meeting - I help you prepare the complete package step by step.
The standard requirement is 20% of the property value (LTV 80%). Some banks accept 10% down payment with additional insurance (LTV 90%), though this means slightly higher financing costs. Government programs and other solutions may help bridge the gap if you don't have the full amount. During our consultation, I'll explore all available options for your situation.
From first consultation to signing the mortgage agreement, the process typically takes 4 to 8 weeks. The timeline depends on the complexity of your case, how quickly you provide documents, and the chosen bank's internal procedures. For foreigners, some additional verification steps may be required, but I guide you through each one to avoid unnecessary delays.
Yes, completely free for you. My commission is paid by the bank that grants your mortgage. This is standard practice in Poland - the bank pays the broker, not the client. This means my service costs you nothing, yet you get access to 20+ banks and professional negotiation on your behalf. There are no hidden fees, no catches.
No. I handle all communication with banks in Polish on your behalf. Our consultations and all explanations are in your language - English, Ukrainian, Russian, or Hebrew. For the final signing at the notary, a sworn translator is required by law for non-Polish speakers, but I coordinate that as well. You'll understand every step of the process.
Most banks accept temporary residence permits (karta pobytu czasowa), permanent residence permits (karta stalego pobytu), EU long-term resident permits, and EU Blue Cards. Some banks are more flexible than others regarding permit validity requirements. Certain visa types and even pending applications may qualify depending on the lender. I match your specific document situation with the right bank.

Down Payment Calculator

See how much you need to save based on your target property price

600 000 PLN
Property price

LTV 80% (Recommended)

120 000 PLN
Mortgage amount: 480 000 PLN

LTV 90% (Higher costs)

60 000 PLN
Mortgage amount: 540 000 PLN
Let's Talk About Your Financing

Let's Talk About Your Plans

Book a free consultation - no commitment, just an honest conversation about your options

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Phone

+48 888 333 728
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Email

[email protected]
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Location

Warsaw, Poland

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Instagram

@kredytowy.ambasador