Moving a mortgage (refinancing) means repaying your existing loan with a new one on better terms. It requires a fresh creditworthiness assessment and carries costs — valuation, mortgage registration, and possibly a fee. Step by step 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. |
A refusal at one bank does not close the door at another. Terms and costs differ by bank — which is why it pays to compare several offers at once.
Usually a few weeks: application and decision (about two to four weeks), then signing and registering the mortgage.
No — the new bank transfers the funds to repay the existing loan.
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.
