A mortgage contract is understood as a contract, in which a creditor grants a loan to a consumer or gives him a promise to grant a loan secured by a property or title to house property.

• Act of 23 March 2017 on Mortgage Loan and Supervision over Mortgage Brokers and Agents
  Place of publication: (Dz. U. z 2020 r. poz. 1027, z późn. zm.)