Getting a mortgage in Poland as a self-employed person or B2B contractor is entirely achievable — but it requires more preparation than applying as a salaried employee, and the way banks assess your income can catch many freelancers off guard. Most Polish banks require at least 12 to 24 months of continuous business activity, and they calculate your borrowing capacity based on the net income declared in your annual tax return rather than your gross revenues or bank statements. This creates a particular challenge for developers on lump-sum taxation (ryczałt), where declared income is low by design even when cash flow is strong. In this article we explain the documentation banks require, how different tax forms affect your mortgage eligibility, and which lenders have the most flexible approach to self-employed applicants in 2026.
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