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.

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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.

The fee is capped by the Mortgage Credit Act.
Some agreements limit overpayment in the first 36 months.
It is worth checking whether overpaying beats a deposit account.

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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.

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.