Fixed interest rate for 60 months (5 years)

We offer a mortgage loan with a periodically fixed interest rate. This means that your monthly mortgage repayment will remain unchanged for the first 5 years.

What happens next?

  • If you prefer to stay on a fixed interest rate, you can apply for a new fixed interest rate agreement for the next 5 years.
  • If we do not sign an amendment agreeing a new fixed interest rate for the next 5 years, your Mortgage Loan will switch to a variable interest rate.

Mortgage Loan Calculator

Use our mortgage loan Calculator to find out the estimated amount you may be eligible to borrow. The calculator also lets you check what your monthly mortgage repayment could be.

Have questions or need advice? Request a call from one of our Mortgage loan experts.

Our Mortgage loan expert will support you at every stage of the mortgage process. They can also help you estimate your borrowing capacity.

You can conveniently attach your insurance documents

You need both home insurance and life insurance if you want to take out a mortgage with us.

If you choose a home insurance or life insurance policy other than one available through us, you can easily and quickly upload all insurance-related documents online (except for the initial policies).

  • You can upload documents confirming that your insurance has been paid for in the mobile 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.

Have another question?

Contact us. Call: +48 22 598 40 60 (Monday to Friday, 8:00 am - 8:00 pm).

Contact form

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Credit cost and legal note

The Annual Percentage Rate (APR) for a mortgage loan with a periodically fixed interest rate is 6.89% and we calculated it with the following assumptions: the total amount of the mortgage loan (excluding borrowed costs) is 644  570.00PLN, loan period 27 years and 1 month, loan instalment 4 041.26PLN, number of instalments 325, interest rate in the first 60-month period of the fixed rate 6.06%, and in the further loan period a variable interest rate of 5.65055% (the sum of a fixed margin of 2.10% and the POLSTR 1M Compound Rate reference rate, which as of 25.09.2026 is 3.55055%), loan secured by a mortgage on a newly acquired property with a value of 1 047 740.00 PLN. The margin is 2.10%, assuming that for 55 calendar months after the month in which we pay out the loan, you have a Millennium 360° account, this account is credited with your salary or other net income every month and you make non-cash transactions with the debit card to this account for the amount of min. 500 PLN per month and for 36 calendar months after the month in which we pay out the loan, you will remain a party to the life insurance agreement called ”Life under protection”, concluded through us (we act as an insurance agent of Towarzystwo Ubezpieczeń na Życie Europa S.A.). The total cost of the mortgage loan is 742 549.48 PLN. This amount includes commission for granting the loan 0 PLN, interest 668 843.14 PLN, real estate insurance against fire and other fortuitous events 25 675.00 PLN (available through us), life insurance 47 812,34 PLN (available through us), PCC tax 19 PLN and the court fee for establishing a mortgage 200 PLN. Account maintenance cost is 0 PLN. The fee for service of the debit card or BLIK contactless payments is 0 PLN, if in the previous month you pay at least once with the card or by BLIK, if you are aged 18-26 or 5 times, if you are aged over 26. Total amount due is 1 387 119.48 PLN. We made the calculations on 28.09.2026 on a representative example, assuming that you meet the conditions to maintain a reduced interest rate.

In the case of a mortgage loan with a periodically fixed interest rate, there is a risk that during the period of application of the fixed interest rate, your instalment may be higher than if it were calculated on the basis of the current POLSTR 1M Compound Rate reference rate, which is used in the calculation of the variable interest rate. After changing the interest rate on your loan to variable, an increase in the benchmark during the period of the fixed interest rate may cause a significant increase in the principal and interest instalment and thus the total cost of your loan. Furthermore, during the period when variable interest rate is applied there is the risk of increase of interest rate. Its amount depends on the POLSTR 1M Compound Ratebenchmark. If the benchmark increases, the interest rate on your loan will be higher and the monthly principal and interest instalment will increase. Then the total cost of the loan will also increase.

Detailed terms and conditions under which we grant mortgage loans are described in the Regulations on Lending to Individuals in Mortgage Banking at Bank Millennium S.A. Fees and commissions that we charge, as well as the interest rate are indicated in the Price List of Mortgage Loan / Home Equity Loan. You can consult these documents in our outlets and on the www.bankmillennium.pl website. Before we grant you a loan, we assess your credit capacity and creditworthiness each time. In justified cases, we may refuse to grant you credit. As collateral for the loan, you can present property insurance or life insurance outside the offer available through us. Such an insurance contract should be concluded with an insurer that is on the list published by the Polish Financial Supervision Authority.

You can take advantage of an additional offer, which consists in reducing the interest rate if all borrowers obliged to establish loan security in the form of assignment of rights under the life insurance contract conclude a ”Life under protection” insurance agreement through us. When offering this insurance, we act as an insurance agent of Towarzystwo Ubezpieczeń na Życie Europa S.A. Using the ”Life under protection” insurance is not necessary to obtain a mortgage loan, but it does affect its pricing. The conditions that you must meet to maintain the reduction throughout the loan period can be found in the document General information on the mortgage agreement. Detailed rules for providing insurance cover, including information on the exclusions of the insurer’s liability, are described in the General Terms and Conditions of Insurance. A summary of the most important features of this insurance can be found in the Product Card – ”Life under Protection” Insurance. These documents are available in our branches and on the www.bankmillennium.pl website.

Bank Millennium S.A. with its registered office in Warsaw, ul. Stanisława Żaryna 2A, operates as an Insurance Agent and is entered into the Register of Insurance Agents under RA number 11162860/A (https://rpu.knf.gov.pl/). We perform agency activities for several insurers.