Buying an apartment in Warsaw from abroad: a step-by-step guide

Yes, in most cases a non-resident can buy an apartment in Warsaw. The essentials are the same wherever you buy from abroad: understand the local taxes and fees in Poland, find out whether banks will lend to you and on what terms, and get an independent view of value before you offer, since you cannot pop round for a second viewing.

Can a non-resident buy an apartment in Warsaw?

In Poland, non-residents can generally buy residential property, sometimes with a simple registration step. It is always worth confirming the current rules for your situation before you commit, but for most buyers the path is open.

What does it cost beyond the price in Poland?

Budget for more than the headline price: purchase taxes or duties, notary and registration fees, and legal and translation costs. These vary, so check the exact figures for Poland rather than assuming. Prices and costs are set in the Polish złoty.

Can I get a mortgage in Poland as a non-resident?

Often yes, though banks may ask for a larger deposit and proof of stable income, and terms differ from those offered to residents. A local mortgage adviser who works with international buyers is the quickest way to learn your real options. Our pillar guide covers this across the continent: buying property in Europe as a non-resident.

How do I know what a Warsaw apartment is really worth from abroad?

This is where distance buyers are most exposed. Before you offer, get an independent valuation so you negotiate from evidence, not from a listing photo and a hope.

Buying in Warsaw from abroad, step by step

Set your full budget in the Polish złoty, including taxes, fees and a cushion.
Speak to a mortgage adviser early to learn what you can borrow as a non-resident.
Check an independent value before you offer.
Appoint a local, independent lawyer to handle the legal work and searches.
Commission a survey, even remotely, before you commit.

When Apraiz opens in Warsaw, checking an honest, independent value for any home will be free. Join the waitlist and we will let you know.

Common questions

Can a foreigner buy an apartment in Warsaw?

In most cases yes. Non-residents can generally buy residential property in Poland, sometimes with a simple registration step. Confirm the current rules for your situation before committing.

What taxes and fees apply when buying in Poland?

Expect purchase taxes or duties plus notary, registration, and legal costs. These vary, so check the exact figures for Poland and budget for them before you offer.

Can I get a mortgage in Poland if I live abroad?

Often yes, though banks may want a larger deposit and proof of income. A local adviser who works with non-residents can quickly outline your options.