Polish mortgage refinancing calculator

Analyse your current mortgage against a new bank offer, factoring in fees, notary costs and early repayment penalties to see if switching makes sense.

Understand the full refinancing picture

  • ★ Offer comparison – compare instalments, APR (RRSO) and total cost of two mortgages.
  • ★ Break-even month – instantly calculate when savings exceed the cost of refinancing.
  • ★ Cost breakdown – include notary, appraisal, entry to the land register and penalties.
  • ★ Rate stress tests – simulate WIBOR changes to understand long-term stability.

Example scenarios

420k PLN balance

Payback in 18 months

A 1.1 pp lower rate saves 480 PLN each month, covering switching costs after 18 months.

Switching costs

7.9k PLN

The calculator tracks notary fees, registry entries and insurance to avoid hidden surprises.

WIBOR stress

+1.5 pp

Even with higher rates the new mortgage keeps instalments 240 PLN lower than the old one.

Evaluate refinancing Try the standalone Polish version