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Mortgage refused in Poland – what next? Reasons and 5 steps
Foreign-currency or foreign income and a mortgage in PolandCatalogue data as of 11/07/2026
In Warsaw, the TM Invest catalogue currently lists 58 available apartments with 4 or more rooms priced up to PLN 1M in 13 developments by 7 developers. The average floor area is 65.7 m², the average price per m² is 13 953 zł, prices range from 726 816 zł to 999 597 zł.
Districts with the most such listings: Białołęka (23), Mokotów (13) and Ursus (13). Developers offering the most apartments: Dom Development (22), Victoria Dom (19) and JW Construction (6).
Four rooms for up to PLN 1M is usually a family choice: separate bedrooms, a room for working from home and a larger living room. In this budget, districts further from the centre come up more often — so we compare floor area, price per m² and completion date in one place.
New-build apartments in Poland are sold in developer standard (stan deweloperski — ready for finishing). Dla kupującego mieszkania z rynku pierwotnego — zwykle bez prowizji: nasze wynagrodzenie płaci deweloper. Za usługi dodatkowe (np. rynek wtórny) wynagrodzenie uzgadniamy z klientem z góry.
Dom Development S.A.
Victoria Dom
Victoria Dom
Dom Development S.A.
JW Construction
Napollo
Robyg SA
Victoria Dom
Murapol S.A.
Dom Development S.A.
Murapol S.A.
Dom Development S.A.
LW Development Sp. z o.o.Loading the map…
Data as of 07.11.2026: available apartments in the TM Invest catalogue — developer data and official price lists (dane.gov.pl). 58 available apartments in 13 developments, prices from 726 816 zł, median price per m² 14 151 zł/m², median size 65.8 m², in completed buildings: 7.
| Development | Location | Available | From | Median per m² | Completion |
|---|---|---|---|---|---|
| Mokotów Sportowy etap I | Mokotów, Warsaw | 12 | 938 762 zł | 15 000 zł/m² | IV kw. 2027 |
| Piastova Osada 2 | Ursus, Warsaw | 11 | 896 610 zł | 14 038 zł/m² | IV kw. 2027 |
| Osiedle Wilno 8 etap I | Targówek, Warsaw | 7 | 862 051 zł | 14 100 zł/m² | III kw. 2027 |
| Eco Berensona etap II | Białołęka, Warsaw | 6 | 793 650 zł | 14 175 zł/m² | Completed |
| Osiedle Salvia | Białołęka, Warsaw | 6 | 827 732 zł | 11 630 zł/m² | III kw. 2027 |
| Olchowy Park 3 | Białołęka, Warsaw | 5 | 726 816 zł | 11 713 zł/m² | IV kw. 2026 |
| Miasteczko Nova Sfera 4 | Białołęka, Warsaw | 3 | 829 809 zł | 14 098 zł/m² | II kw. 2027 |
| Osiedle Myśliborska etap I | Białołęka, Warsaw | 2 | 966 978 zł | 14 300 zł/m² | II kw. 2027 |
| Urcity | Ursus, Warsaw | 2 | 960 000 zł | 16 101 zł/m² | IV kw. 2026 |
| EcoOne | Białołęka, Warsaw | 1 | 997 386 zł | 16 825 zł/m² | I kw. 2028 |
The TM Invest catalogue currently lists 58 available apartments with 4 or more rooms priced up to PLN 1M. The average floor area is 65.7 m² and the average price per m² is 13 953 zł.
With a 20% down payment (190 000 zł) the loan is about 760 000 zł; with 10% down (95 000 zł) — about 855 000 zł. The monthly instalment depends on the interest rate, loan term and your creditworthiness — we will calculate it during a free consultation.
Banks usually require at least 20% of the price, or 10% with low-down-payment insurance. At 950 000 zł that is 190 000 zł or 95 000 zł. Add notary and court fees and a possible bank fee; buying from a developer, you pay no PCC tax (VAT is included in the price).
The most: Białołęka (23), Mokotów (13), Ursus (13), Targówek (8) and Włochy (1). The full list with prices and floor plans is above.
For buyers of new-build apartments — usually no commission: the developer pays our fee. For additional services (e.g. resale properties), we agree the fee with the client in advance.
Tell us what you are looking for — size, budget, timing. We will put together a shortlist of developer offers and arrange viewings.
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