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Mariusz Krzysiek Mortgage expert at NOTUS Finanse S.A. Language of the call: English, Polish.

Free — 0 zł for you. We call back: working days 09:00–17:00.

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Good to know before the call

Good to know before the call

  • Free — 0 zł for you. The intermediary is paid by the bank that grants the loan — not by you.
  • The call is from a credit expert of NOTUS Finanse S.A. — a mortgage credit intermediary in the KNF register under number RPH000030.
  • About 15 minutes, no BIK enquiry and no commitment.
  • On the call: which bank, what amount and on what terms, what to improve and which documents to prepare.
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The cost of refinancing a mortgage

Refinancing costs include the property valuation, the mortgage entry in the land register, transaction tax, removing the old mortgage, a possible early repayment fee, and bridge insurance. The full list with amounts is below.

Full analysis (upload your agreement) → Refinancing →

What moving the mortgage costs

Property valuation600 zł
Mortgage entry in the land register200 zł
Transaction tax on the mortgage19 zł
Removing the old mortgage100 zł
Early repayment fee0–3%
Bridge insurance (until registration)+1,0 p.p.

What the costs consist of

Some costs are fixed (court fees, transaction tax), some are a percentage and depend on the bank (fees), and some are temporary (bridge insurance until the mortgage is registered).

Will the costs pay for themselves

What matters is the ratio of costs to the monthly saving — if the saving covers the costs within a dozen or so months, refinancing usually pays off.

Moving your mortgage to another bank Repaying a mortgage early

Run it on your own numbers

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Frequently asked questions

How much does refinancing cost?

Usually 1,000–3,000 zł of fixed costs, plus a possible early repayment fee (0–3%) and bridge insurance.

Does the bank cover part of the costs?

Some banks run promotions with no commission or cover the valuation. It is worth checking.

Lendean editorial team · an information service, not credit advice

Sources: NBP, GPW Benchmark (WIBOR), KNF, the Mortgage Credit Act. Educational material; not investment or legal advice.

Aktualizacja danych: 2026-11-02.