Updated October 9, 2026 · BorrowCue Editorial Team

Top mortgages compared in Poland

183 lenders available in Poland, ranked for Poland.

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Top mortgages compared in Poland
#	Lender	Score	Features	Key facts	Actions
1	ExpanderTop pick Expander is a Polish financial intermediary offering mortgage and cash loan comparison and brokerage.	Not rated		Lender type: Broker	Review Compare Visit
2	Upstart Mortgage Home Equity Line of Credit	9.3/10		Initial rate: 6.52% to 18% APRC: 6.52% to 18% Product fee: $0	Review Compare See alternatives
3	Santander Bank Polska Pierwszy kredyt - first cash loan in the bank: Up to 15,000 zł at RRSO 10.47%, fixed interest 9.99%	9.2/10	Fixed rate Same day funding	APRC: 6.99% Fixed period: 5 years Maximum loan to value: 90%	Review Compare See alternatives
4	NLB Banka Kosova NLB Depozita me afat: Bonus up to 200 EUR	9.2/10	Fixed rate	Initial rate: 6% APRC: 6.27% Fixed period: 3 years	Review Compare See alternatives
5	VeloBank VeloDom mortgage RRSO 6.57% with shopping bonus: 5,000 PLN gift card for Media Expert or Agata shops	9.2/10	Same day funding	Initial rate: 5.85% APRC: 6.57% Fixed period: 5 years	Review Compare See alternatives
6	PKO Bank Polski	9.0/10	Fixed rate Same day funding	Fixed period: 5 years Maximum loan to value: 90% Product fee: PLN 0	Review Compare See alternatives
7	Kasa Stefczyka	9.0/10	Same day funding	Initial rate: 5.75% APRC: 5.91% Maximum loan to value: 90%	Review Compare See alternatives
8	EZLendr	8.9/10	Fixed rate	Initial rate: 7.03% Fixed period: 30 years Purpose: Purchase, Remortgage, Home-equity	Review Compare See alternatives
9	Chartwell	8.9/10	Same day funding	Maximum loan to value: 90% Purpose: Purchase, First-time-buyer, Buy-to-let Lender type: Broker	Review Compare See alternatives
10	Giraffy	8.8/10	Fixed rate	Lender type: Marketplace Legal entity: Giraffy Labs Ltd Founded: 2023	Review Compare See alternatives