Work out how much you would save by moving your mortgage to a bank with a lower interest rate. Enter the balance and the rates, and the estimated saving on your monthly payment appears below. We prepare the full analysis, with costs and bank offers, once you upload your agreement.
A rough estimate. We prepare the full analysis — transfer costs and bank offers — from your actual loan agreement.
| Property valuation | 600 zł |
| Mortgage entry in the land register | 200 zł |
| Transaction tax on the mortgage | 19 zł |
| Removing the old mortgage | 100 zł |
| Early repayment fee | 0–3% |
| Bridge insurance (until registration) | +1,0 p.p. |
Refinancing pays off when the monthly saving covers the cost of moving within a reasonable time. The break-even point is the cost of moving divided by the saving on the payment.
When the saving on the payment covers the cost of moving within a dozen or a few dozen months and lowers the total cost of the loan.
Yes — the new bank assesses your creditworthiness again, and approval is not guaranteed.
The Lendean team · Mortgage advisers
Sources: NBP, GPW Benchmark (WIBOR), KNF, the Mortgage Credit Act. Educational material; not investment or legal advice.
Aktualizacja danych: 2026-08-31.
