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Choose Mortgage Loan (APR 8.84%) awarded in the prestigious Golden Banker 2021 ranking

Legal notefor: Mortgage loan

What you gain

Choose Mortgage Loan on attractive terms (APR 8,84%):

  • 0% commission for loan granting and earlier repayment (APR 8,84%)
  • deposit - from 10%
  • credit holidays once a year
  • check the status of your application in the mobile app even if you do not have an account in Bank Millennium
  • support of our credit specialists on every stage

Cost of loan and legal note

The best mortgage loan on the market

We won 1st place for the best mortgage loan in Golden Banker 2021

What can you allocate your mortgage loan to

  • purchase of flat/house on the primary/secondary market

  • construction/extension of a house

  • refurbishment/upgrade

  • refinancing your housing loan

Instalment fixed for 5 years

Consider a loan with fixed interest rate:

  • your instalment will not change for 5 years
  • after 5 years you can choose a fixed interest rate for the next 5 years. If you do not, the interest rate will again be variable
  • if you have a mortgage in PLN with variable interest rate you can apply for changing it to fixed interest rate
family on the couch

More about fixed interest rate

Credit cost and Legal note for: mortgage loan


From 1 March 2023 we suspend the offer of mortgage loans with variable interest rate options for the entire life of the loan.

Mortgage loans with a periodically fixed interest rate for the first 5 years remain in our offer.

We are working on the implementation of a new mortgage loan offer based on the WIRON reference index.

Read important information about WIRON

Mortgage Loan calculator

Check your application status online

You can track your mortgage application progress in Millenet and mobile app:

  1. Check your application status online -

    You can see on what stage your application is and what happens with it

  2. Check your application status online -

    You get a message when the status of your application changes

  3. Check your application status online -

    You know what your next steps are

  1. 1
    Check your application status online -

    Download the mobile app to your mobile device and select mortgage application status at the bottom of the screen

  2. 2
    Check your application status online -

    Provide data, e.g. application number and data from your identifier (e.g. PESEL)

  3. 3
    Check your application status online -

    Done! Now you can check what is happening with your application

You can conveniently attach
your insurance documents

If you choose real estate insurance or life insurance required to secure a loan with another institution, you can attach all documents easily and quickly online:

  • you can add real estate and life insurance documents in the app and Millenet
  • we will remind you about the upcoming deadline
  • we will inform you about the result of the documents verification
  • if there is a need to add documents again, you will also do it after the policy expiry date conveniently via Millenet or the mobile app

Borrowers’ Support Fund

The fund was set up to help out people in a difficult financial situation who make mortgage repayments.

Statutory credit holidays

If you have a mortgage in PLN and want to suspend its payment, check if you can benefit from the statutory credit holidays.


  • You can use a mortgage loan (or simply mortgage) to finance the purchase of a house or a flat on the primary or secondary market, construction or extension of a house, refurbishment or modernisation. A loan from another bank can also be refinanced.

  • Borrowing capacity determines your ability to repay a loan you have taken out with interest on time. You can use the mortgage calculator to estimate your borrowing capacity. Thanks to the calculator you will also check, on an estimate basis, what loan instalment you can expect.

    Your borrowing capacity will be calculated by the Bank based on your loan application.

  • Yes, if the mortgage agreement has been concluded (signed) by 16 September 2022 and the court enters the mortgage on or after 17 September 2022, we will refund you the entire commission charged.

    When do I get my commission refunded?
    Once the court has registered the mortgage in the land registry and we have verified and confirmed that the entry meets the conditions specified in the loan agreement, we will refund the commission. You will receive the commission within 60 days of the mortgage being registered.

    How do I receive my commission back?
    We refund the commission to the account from which it was taken.

    Do I need to apply for a commission refund?
    Do I need to apply for a commission refund?

    Legal basis for the reimbursement of commissions
    "Act of 5 August 2022 amending the Mortgage Credit Act and the Supervision of Mortgage Credit Intermediaries and Agents and the Act amending the Personal Income Tax Act, the Corporate Income Tax Act and certain other acts".

  • Yes. You can partially or fully repay a loan with no additional cost to you. You will conveniently make the partial repayment in Millenet, fully repayment is possible in our branch.

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Contact form

If you are interested in our offer and want to get detailed information please fill in the form below - we’ll call you back!

Already have a mortgage with Bank Millennium?

Check out our guide to mortgageslink otwiera się w nowym oknie and learn more.

Contact us

Do you want to talk now?
+48 22 598 40 60
Monday till Friday 8 a.m. - 8 p.m.