Frequently Asked Questions

We assist investors in purchasing property across all major Polish cities, including Warsaw, Kraków, Wrocław, Katowice, Łódź, and more, while also consider selected smaller cities for advanced investors or upon request. As part of our service, we can also arrange a tailored city tour to help you get to know the area before making a final decision. Our focus is on properties in prime locations—relatively close to the city center, in a good technical condition, and with unique characteristics that support long-term value. During our consultations, we provide clear recommendations and insights, while the final decision is always yours.

Can foreign investors obtain financing or a mortgage in Poland?
In most cases, no. It is generally not possible to secure a mortgage in Poland as a foreign investor. Some banks may consider financing after at least 12 months of documented income in Poland, but the process is complex. This restriction is largely designed to protect the banking system and real estate market from distortions caused by leveraged foreign investments, which could otherwise create bubbles.

Do I need a Polish or EU passport to invest?
No. In the vast majority of cases, any foreign passport (e.g., British, Israeli) is sufficient, and we verify this in advance for each transaction.
A Polish or EU passport is only required if the property is located near Poland’s borders or coastline (e.g., Gdańsk), if the asset is classified as commercial, or if it includes a separate land plot. In such cases, a permit from the Ministry of Interior is necessary. The process can take up to 6 months and typically costs around PLN 7,000 (including legal fees, translations, and administrative charges).
For standard apartment purchases in major cities, this requirement almost never applies.

How much do I need to invest in Poland?
You will need at least £120,000 to invest in property in Poland’s major cities, and a higher amount if you are targeting Warsaw or Kraków, which are the most expensive markets. This estimate assumes a property in a good location and in reasonable technical condition.

From a returns perspective, it is important to note that many expenses (such as notary, legal, maintenance or renovation costs) are similar regardless of property size. This means that with a smaller investment, any unexpected expense can have a much greater impact on overall returns. With larger investments, however, these costs are spread more efficiently — similar to the principle of economies of scale.

Is buying and holding real estate in Poland safe? Is there a reliable ownership registry?
Yes, very safe. Poland has a well-structured land registry, accessible online. It records ownership, mortgages, and encumbrances.

Transactions are handled by a notary public, who is responsible for verifying documents and filing ownership changes with the Land and Mortgage Registry. Funds often go through escrow accounts. Developers must also issue a prospectus and provide at least 5 years’ structural warranty and 2 years’ warranty on fixtures and installations.

It is also worth noting that Poland, as a member of the European Union, is bound by EU law — including strong protections for private property rights. This provides investors with a stable, transparent, and secure legal framework — offering the same safeguards you would expect in other established European markets

Do I need a lawyer? 

Not necessarily. If the developer is reputable with a strong track record, a lawyer may be unnecessary, as contracts are largely standardized and regulated by law, and the notary public supervises the process. A sworn translator and good notary often provide sufficient clarity.

However, for second-hand transactions, we strongly recommend hiring a local lawyer, especially for complex deals.

​In all cases, our services include engaging a lawyer to review the purchase agreement, even though it is formally prepared by a notary. For secondary market purchases, a lawyer is typically involved earlier in the process, conducting due diligence before the agreement is signed.