Frequently Asked Questions

Yes, EU citizens, including Poles, can apply for a mortgage in Germany. You need stable income, good credit history, and adequate down payment. We help you through the entire application process.

Banks typically require 20-30% down payment plus additional costs (about 10-15% of property value). In some cases, financing with lower down payment is possible.

Basic documents are: income statements (3-6 months), employment contract, bank statements, tax return, ID document. You'll receive the exact list during consultation.

Typically the process takes 4-8 weeks from submitting complete documentation to loan disbursement. Time may vary depending on the bank and complexity of the case.

Yes, we offer financing for investment properties. Conditions differ from owner-occupied home loans - higher down payment is required and interest rates may be different.

Additional costs are: property transfer tax (3.5-6.5%), notary (1-1.5%), land registry entry (0.5%), possibly broker commission (3-7%). Total about 10-15% of property value.

Yes, we handle the entire process in Polish - from first consultation to loan contract signing. We eliminate language barriers in such important financial decisions.

You should inform the bank about employment change. If the new job provides stable income, there are usually no problems. We advise how to properly report changes to the bank.