Refinancing means moving your mortgage to a bank with a lower margin or interest rate in order to cut the monthly payment. It pays off when the monthly saving covers the cost of moving: within 18 months — clearly, within 36 months — borderline. Run it on your own numbers below.
Enter the balance, the rate from your contract and the term — we will compare banks' offers for moving the loan.
The instalment excludes bank insurance — it is included in the RRSO. Switching costs = the bank's up-front costs from NOTUS + the fees in the table below.
See which banks offer that paymentBalance, interest rate and remaining term — you will find them in your agreement or repayment schedule. You can also upload the agreement later in your plan.
We check the terms in offers from 11 banks and calculate the cost of moving.
You get a ready comparison with the payment, the costs and the break-even point.
What changes in your payment?
Overpayment calculatorLower payment or shorter term?
Full analysisEnter your balance and rate — we will check the offers →
We'll send the PDF and let you know when market conditions change — e.g. after an NBP decision or when your bank cuts its margin.
| Property valuation | per bank (NOTUS) |
| 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. |
The early repayment fee is capped by the Mortgage Credit Act and depends on the type of interest rate and the time since the agreement was signed.
Enter your balance, the current rate from your contract and the remaining term in the calculator above. For each bank we take its NOTUS offer for moving a mortgage (variable rate, with the bank's representative example) and compute the instalment at its rate. The difference in instalments times the number of months, minus the switching costs (the bank's up-front costs + the table above), is your net saving; the costs divided by the monthly difference is the number of months after which refinancing starts to pay off.
It is worth it when the saving on the payment covers the cost of moving within 18 months (within 36 — borderline) and genuinely lowers the total cost of the loan.
The costs include the valuation, the mortgage entry, transaction tax, removing the old mortgage, and possibly an early repayment fee and bridge insurance. See the table above.
When the break-even point (costs ÷ monthly saving) is up to 18 months; 18 to 36 months is borderline, longer — not worth it today.
No — replacing the benchmark is neutral by design. What actually lowers the payment is refinancing or overpaying.
Yes — the new bank assesses your creditworthiness again, and approval is not guaranteed.
Work out how much you would save by moving your mortgage to a bank with a lower interest rate. Enter the balan...
The fixed-rate period is ending — what next?When a fixed-rate period ends, the bank offers new terms by default — rarely the best on the market. You have...
Moving your mortgage to another bankMoving a mortgage (refinancing) means repaying your existing loan with a new one on better terms. It requires...
The cost of refinancing a mortgageRefinancing costs include the property valuation, the mortgage entry in the land register, transaction tax, re...
Lowering your mortgage marginThere are two ways to lower the margin: negotiate an annex with your current bank, or refinance with a bank of...
Lower the payment or shorten the term?When you overpay, you choose: a lower payment (the term stays the same) or a shorter term (the payment stays t...
Repaying a mortgage earlyEarly repayment, in full or in part, is governed by the Mortgage Credit Act. The fee depends on the type of in...
An annex to a mortgage agreementAn annex changes the terms of an existing agreement without moving the loan — lowering the margin, switching t...
We compare your current payment with offers from 11 banks and show how many months it takes for the move to pay for itself.
Start for freeLendean editorial team · an information service, not credit advice
Sources: interest rate and APRC — NOTUS Finanse S.A. calculator; NBP rates; the Mortgage Credit Act. Educational material; not investment or legal advice.
Data updated: 02.11.2026.
