Discover 10 essential tips for foreign investors buying and finishing apartments in Poland. Legal, financial, and design advice to maximize your investment.

Why Invest in Polish Real Estate?

Poland is increasingly popular among foreign investors thanks to its stable economy, competitive property prices, and strong rental demand. Whether you’re buying for personal use or as an investment, understanding the local process is key to success.

Here are 10 practical tips to help you navigate buying and finishing an apartment in Poland.

1. Understand the Legal Framework

EU citizens generally enjoy the same property rights as Poles, while non-EU buyers may require permits for certain properties. Always consult a notary or real estate lawyer to clarify what applies to your nationality.

2. Work with a Reliable Real Estate Agent

Listings can be fragmented, and market practices differ from those abroad. A trusted English-speaking agent will help you find the right property, negotiate fairly, and avoid pitfalls.

3. Clarify the Ownership Structure

Apartments in Poland may be sold as full ownership (freehold) or as cooperative rights. The latter can limit your freedom to rent, sell, or renovate. Confirm which structure applies before signing.

4. Budget for Taxes and Fees

Factor in additional costs such as:

• Notary fees (0.5–2%)

• Civil transaction tax (2% on resales)

• Court registration fees

• Agency commission (2–3%)

Together these can add 4–6% to your purchase.

5. Secure Financing in Advance

Foreigners can obtain mortgages in Poland, but requirements are stricter and approval takes longer. Banks may ask for EU income proof or Polish tax documentation. Start this process early to avoid delays.

6. Plan for the “Developer Standard” Finish

Most new apartments are delivered in an unfinished state: bare walls, no flooring, and incomplete bathrooms. Expect to spend 3,000–5,000 PLN per m² to achieve a turnkey finish.

7. Choose Contractors Carefully

Language barriers and differing standards can complicate projects. Always sign detailed contracts with timelines, clear scope of work, and penalties for delays.

8. Work with an Interior Designer

A designer is invaluable when finishing an apartment, especially if you’re abroad. They coordinate contractors, manage suppliers, and deliver a cohesive design that balances style with functionality.

9. Order Materials Early

While Poland has excellent local brands, many investors prefer European or global suppliers. Lead times can stretch into weeks or months, so secure orders early to keep your project on schedule.

10. Think Long-Term: Rental and Resale Value

For investment purposes, use neutral finishes, durable materials, and practical layouts. Location matters—properties near universities, business hubs, and transport links generate stronger returns.

Final Thoughts

Poland offers excellent opportunities for foreign investors, but buying and finishing an apartment comes with unique challenges. With the right local expertise and careful planning, your investment can be both secure and profitable.

At Westhouse Interiors, we specialize in helping international clients design, finish, and furnish apartments in Poland. From handling contractors to sourcing materials, we make the process seamless—so you can enjoy peace of mind and a beautiful, investment-ready property.