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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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Repaying a mortgage early

Early repayment, in full or in part, is governed by the Mortgage Credit Act. The fee depends on the type of interest rate and the time since the agreement was signed — some loans limit overpayment in the first 36 months. Check your agreement.

Overpayment calculator →

Rules and the fee

For a variable rate, the early repayment fee is capped by law and usually disappears after a set time. For a fixed rate the rules may differ. Always check the specific clause in your agreement.

Lower the payment or shorten the term? The cost of refinancing a mortgage

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Frequently asked questions

Will I pay a fee for repaying early?

It depends on the type of interest rate and the time since signing. The law caps this fee — check the clause in your agreement.

Overpay or put the money in a deposit?

If the loan rate is higher than the real after-tax deposit rate, overpaying is usually the better option.

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.