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.
| 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. |
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).
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.
Usually 1,000–3,000 zł of fixed costs, plus a possible early repayment fee (0–3%) and bridge insurance.
Some banks run promotions with no commission or cover the valuation. It is worth checking.
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.
