IVAN TSEHENKO

Yes - and I make sure you know your real chances before you invest any time or emotion into the search.

Polish banks offer mortgages to expats who are employed on a contract basis or run a business in Poland. The key requirements are stable, documented income and a sufficient down payment. Some banks accept as little as 10% - but with 20% you unlock the full market: all banks, the best rates, and the most favorable terms.

Before we start looking at any properties, I work with a credit expert from Poland's largest brokerage to assess your actual borrowing capacity and calculate your realistic monthly payment and interest rate together - so there are no painful surprises down the road.

It won't catch you off guard - because we assess your creditworthiness before any contracts are signed or deposits paid.

In the primary market (new construction), you risk nothing if a loan falls through. In the secondary market, we build in protective clauses precisely for this reason.

If your situation isn't ideal right now, you leave with a concrete, step-by-step plan for the next 3–6 months. In all my years of practice, not a single client of mine has been denied a mortgage.

You don't have to figure that out yourself. Before we even book a viewing, I analyze the register, verify ownership, and check for mortgages, liens, easements, or any other issues related to the property. You only visit properties that are legally checked - you won't waste time, and you won't accidentally buy someone else's problem.

When it comes to signing, yes - in Poland all real estate transactions are legally required to be completed before a notary, which is actually a strong protection for you as a buyer. The notary verifies all documents, certifies the signatures, and registers the transaction in the land and mortgage register. I work with a trusted notary whom my clients consistently praise for both thoroughness and fair pricing.

A preliminary contract locks in the price, terms, and conditions of the transaction - and triggers the bank's loan review process. It is signed at the notary's office and is legally binding for both parties. Before you sign anything, I go through every clause, negotiate the terms, and make sure the contract protects you - especially when it comes to the deposit and penalty conditions.

A deposit is typically 5-10% of the purchase price, paid to the seller at this stage. If you back out, the deposit stays with the seller. If the seller backs out, they owe you double. The deposit is only as safe as the contract behind it - which is exactly why I review and negotiate every protective clause before you sign anything. You sign knowing exactly what you've agreed to.

No - you don't need any Polish at all. I will guide you through the entire process and explain all key documents and communications in English. At the notary's office, a sworn translator is present for every signing and translates every clause of the contract. You will understand everything you sign, with no ambiguity and no blind trust required.

As a general rule, budget 3-7% of the property price on top of the purchase price for transaction costs. Here is what that covers:

Secondary market: PCC transfer tax - 2% of the price (waived entirely if this is your first home), notary fees - approx. 0.5 - 1%, land registry fees - a few hundred złoty.
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New construction from a developer: No PCC tax, VAT already included in the price, notary fees similar to the above.

With a mortgage: Property appraisal (300 - 600 PLN), mandatory life and property insurance, and at some banks, a loan origination fee.

My standard commission is 3.69% of the property price - everything is spelled out clearly in the cooperation agreement. You know exactly what you're paying for and what you're getting in return. I don't work without a written contract, because it protects both parties equally.

Yes - and it should be negotiated. The average negotiation margin in the market is around 5%, though the real figure depends on how long the property has been listed, whether the price is inflated, how motivated the seller is, and what else can be negotiated beyond the headline number.

Thanks to my background as an analyst in investment banking, I approach every negotiation with numbers and leverage - not enthusiasm. My clients have collectively saved over 750,000 PLN through negotiations.

The numbers say yes on both counts. Wrocław ranks second among Polish cities in rental yield - approximately 6.5% gross per year. Demand is consistent and comes from multiple sources: 130,000+ students, a large IT sector, international corporate expats, and growing tourism. I help you choose not just a property at the right price, but one with strong rental demand, a tenant-friendly layout, and real appreciation potential - so your investment works from day one.

On the price growth side, the market indicators are strong. Wrocław posted the highest price growth for new construction among major Polish cities in 2025 (+5.4% per quarter). Mortgage rates are falling, demand is rising, and the city continues to attract international companies and talent. Clients who entered the market 3–5 years ago have already seen the result in their portfolios. The best time to act is before the next wave, not after it.

Absolutely - this is one of the most common strategies among my clients. You purchase a property, it gets rented out, and it pays for itself while you live wherever you choose. I help you identify the right location for rental demand, the right layout for tenants, and whether new construction or the secondary market suits your budget and goals. After the purchase, I can also take over property management entirely - you don't need to be present, involved, or stressed about it.

It depends entirely on your goal, timeline, and budget. Here is the honest comparison:

New construction: Modern layouts, lower maintenance costs, developer warranty, and the ability to choose finishes. The trade-off: you wait for completion, need to budget for fit-out, and prices in popular areas are higher.

Secondary market: Move in or rent out immediately, lower entry price, wider range of locations. The trade-off: older infrastructure, potentially higher renovation costs, and more legal due diligence required.

I work across both segments and will give you an honest recommendation based on your specific situation - not based on which is easier for me to sell.