Guide · Law & process

Buying property in Poland as a foreigner — the complete guide

The good news first: EU, EEA and Swiss citizens buy property in Poland with no permits and no restrictions — a house, an apartment, on the coast or in the Old Town. Here is the whole road, step by step, no fine print.

Klucz i Sól · 2026-08-24

The short answer: yes, no permit needed

EU/EEA and Swiss citizens buy Polish property on identical footing to Polish citizens — no permits, no restrictions, coastal zone included.

Buyers from outside the EU need a permit from the Polish Ministry of Interior in the coastal zone — an orderly procedure we assist with as well.

How the purchase works — five steps

A Polish property purchase is more formal than a handshake — and safer for it: every transfer of ownership happens before a notary.

• A video call. Budget, districts, what a good week by the sea looks like for you — no obligations, in English.
• A curated shortlist. A handful of addresses that actually fit — each with a live video viewing, not a slideshow.
• One weekend here — or none. We plan a single visit end-to-end; the entire purchase can also be arranged fully remotely.
• The notarial closing. The deed is a notarial act, with a sworn translator if needed; deposit, date and the flow of funds are fixed in writing.
• Keys & beyond. Utilities, furnishing, rental if you want it — you land in a working home, not a to-do list.

The land register: transparency, Polish style

Every Polish property has a księga wieczysta — an electronic land register, publicly searchable: owners, mortgages, encumbrances, all in one place. Before any purchase we verify the entry and walk you through every line before you sign.

Costs and taxes beyond the price

Budget roughly 3% all-in: a 2% civil transaction tax (PCC) on resale purchases — new builds carry VAT in the price — plus notary and land-register fees.

With us there is no agency fee on top: our commission is paid by the seller, so buyers pay 0%.

Financing — an honest word

Polish banks rarely finance non-residents without local income; rates run around 6–8%. Plan a cash purchase. Where a mortgage is genuinely realistic, we will tell you — not the other way round.

Buying without flying

Live video viewings, digital paperwork and a notarial power of attorney make a fully remote purchase possible — the entire transaction can complete without a single flight. Most clients still come once; we plan that one weekend end-to-end.

After the purchase: settling in is paperwork, not a battle

If you stay, EU citizens simply register residence and receive a PESEL number — administrative routine, not an obstacle. And if the apartment should work while you are away: Gdańsk and Sopot carry a liquid rental market, and we connect you with vetted local management.