What 2025 holds for the Polish property market, with mortgage adviser Łukasz Kałużny
Mortgages drive the property market. In Poland far fewer buyers were using a loan, and sales took much longer. A mortgage adviser with more than 12 years of experience explains how lending shapes demand and prices.
This video is in Polish. The key lessons are written up in English below. If you want to follow the video itself, you can try YouTube's auto-translated subtitles (Settings → Subtitles → Auto-translate → English); their quality varies.
Key lessons from this episode
Mortgages move the property market. At the time of recording, far fewer buyers in Poland were financing with a loan, and sales were taking much longer as a result. To understand why, Mateusz talks to a mortgage adviser with more than 12 years of experience.
Łukasz Kałużny is a mortgage adviser based in Wrocław who also works remotely across Poland. He runs his own YouTube channel about mortgages and property.
The conversation is about the Polish market, but the questions behind it apply anywhere lending conditions change: how buyers react, what happens to prices and how long deals take.
Questions covered in the episode
- How the government-backed “Bezpieczny Kredyt 2%” (Safe Loan 2%) scheme affected the Polish property market
- Whether prices in big cities keep rising despite a difficult economy
- What drives buyers' decisions in the current market
- Is it better to wait for prices to fall, or to buy now?
- How access to mortgages has changed in recent years
- Forecasts for the next few years, and whether apartment prices would fall in 2025
- How government schemes affect prices and affordability
