Once you know what you want to get, it’s time to sort out the finance for your property, either from a bank in the UK or from a Polish Bank. Most big lenders don’t have processes or resource available to manage mortgages in Poland, so it’s best to to to small specialist lenders in the UK that will provide mortgages for properties in Poland, in addition there are Polish banks based in the UK who will be happy to oblige like PKO Bank Polski.
Getting a Mortgage from a Bank in Poland
UK nationals can get a mortgage for property in Poland from Polish banks or international banks in Poland, but there are some hurdles. Typically, they will require borrowers to be legal residents of Poland.
Like in the UK, Polish banks will assess your income and employment stability and require proof of income, such as pay slips, tax returns, or employment contracts as well as credit history. They will need information about the property such as a property valuation.
Usually, all documentation needs formally translated into Polish via an accredited translator.
You should also consider whether you want to take out the mortgage in Polish Zloty PLN or in another currency. Foreign currency mortgages come with additional risks, such as exchange rate fluctuations, so carefully consider the currency choice.
Getting a Mortgage from a Bank in the UK
UK banks can also give you a mortgage for property in Poland and other countries but again there are hurdles to get through.
Overseas Mortgages Explained article from Which Magazine.
Forum discussion on UK banks offering mortgages.
http://www.polishforums.com/real-estate-20/any-uk-banks-offer-mortgages-polish-properties-44429/