The main purpose of this article was to describe the situation in Poland in the field of mortgages taken by households in the years 2006-2010, particularly during the crisis period 2008-2009. Firstly the author characterized economic situation of Poland and chosen UE countries in general means, emphasising strong connections between GDP dynamic and demand for dwellings and mortgages to finance them. Afterwards Polish mortgages' market was described in the context of changes in real estates' prices. The author highlighted specific situation of Polish mortgages' market as very young and risky. Banks' activities on this market, which may be recognized as wrong, were characterized, as well as government program of helping households to take and pay off mortgages.