Buying and Selling
Apartments and Houses
in Warsaw

Find your dream apartment or house in Warsaw. We will help you Buy or Sell real estate on the primary and secondary markets and secure a favorable mortgage.

Leave the challenges to us. Prosto Project™ Real Estate
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Investing in Warsaw Real Estate is an excellent way to preserve and grow your capital.

Every year, Warsaw attracts more and more property buyers thanks to its developed infrastructure, rapid growth, and stability.

Prosto Project™ Real Estate will help you buy or sell an apartment or house in the Polish capital and its suburbs. Regardless of your budget and preferences, we will find the best solution for you.
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Main Services

Selection of Real Estate for Purchase on Primary and Secondary Markets

We offer properties from reliable developers and verified owners, ensuring a legal check of all properties. This guarantees safe and profitable real estate choices.

Mortgage Arrangements

If you plan to buy real estate in Warsaw with a mortgage, our specialists will help you secure the best lending terms. We work with leading banks and provide tailored solutions for every client.

Long-Term Investments and Flipping

Prosto Project™ specialists will select properties suitable for resale or long-term investments. If necessary, we handle all renovation and marketing efforts, allowing you to focus on generating income.

Land Purchase and Construction Permits

We provide comprehensive support in obtaining land purchase and construction permits in Poland, including consultations on the Law on Real Estate Acquisition by Foreigners and assistance with collecting and submitting all required documents to the authorities.

Don’t know how to start the buying or selling process?

Need help with document preparation?

Submit a request, and our experts will answer all your questions!
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Leave the challenges to us. Prosto Project™ Real Estate

We Make Your Transactions Successful

Guarantee of Professionalism: Licenses and Certifications

We take pride in the certifications held by our team, confirming their high level of expertise and professionalism:

  • PFRN Certificate (Polska Federacja Rynku Nieruchomości): Validates training and education in the real estate field, issued by the Polish Federation of Real Estate.
  • FIDIC Certificate (International Federation of Consulting Engineers): Certifies competence in real estate transactions and development projects.
  • IREM Certificate (Institute of Real Estate Management): Recognizes specialists in property management.
  • CEPI Certificate (European Association of Real Estate Professions): Confirms adherence to European real estate standards.
These certifications demonstrate our commitment to high standards, making our services reliable and highly professional.

Exclusive Real Estate Offers

We provide access not only to public listings but also to exclusive databases like MLS, CEPI, and Baza Prawdziwej Nieruchomości.

Working with us increases your chances of finding unique properties at the best prices.

Best Mortgage Terms

We offer access to mortgage options with competitive interest rates and favorable conditions. The average RRSO (Annual Percentage Rate) for mortgages in Poland ranges between 7.5% and 8.5%, including all loan-related costs such as interest, fees, and additional charges.

Collaborating with leading banks, we help clients secure the best options with minimal monthly payments and optimal repayment terms.

Guarantee of Secure Real Estate Transactions

Understanding the importance of security in real estate transactions, our activities are insured by one of Poland's largest insurance companies.

This ensures that every transaction handled by our company is protected from unforeseen situations, safeguarding your interests and financial security.

We Recommend Trusted Developers for Property Purchases

We collaborate exclusively with leading and reliable developers, whose projects meet the highest standards:
  • Dom Development
  • Echo Investment
  • Robyg
  • Marvipol Development
  • Atal S.A.
Over 80% of these developers' projects are sold within the first six months of being on the market, reflecting their high demand and quality.

Deep Knowledge of Warsaw's Districts

We have extensive knowledge of Warsaw's key districts and their unique features, allowing us to offer the best real estate options for different purposes — whether for living or investment. Our specialists will help you choose properties in the city’s most promising areas.

Service Costs for Real Estate Transactions

Prosto Project™ Real Estate offers professional services with transparent and reasonable prices, ensuring you feel confident at every stage of the transaction.
Residential Real Estate
Purchase Commission
3% of the property price, net
  • Buying property in Poland with our help means confidence in your decision.
  • From property selection to final documentation, we support every transaction so you can enjoy your new home worry-free.
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Consultation and Order Placement
Commercial Real Estate
Purchase Commission
4% of the property price, net
  • Purchasing commercial real estate is a strategic move. With us, you can acquire properties for offices, retail, or industrial spaces. We work with verified properties, offer the best investment options, and ensure full legal support for secure transactions.
Consultation and Order Placement
Service Costs
for Land Purchase Permit
From 5,000 PLN net
Our services for obtaining land purchase permits range from 5,000 to 15,000 PLN, depending on the complexity of the transaction. Foreigners need approval from the Ministerstwo Spraw Wewnętrznych i Administracji to buy land in Poland. Our specialists will assist you in gathering documents, completing applications, and effectively liaising with government authorities.

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Consultation and Order Placement
Service Costs
for Construction Permit
From 3,000 PLN net
We provide document preparation and submission services to obtain construction permits through the Powiatowy Inspektorat Nadzoru Budowlanego and other administrative bodies. This includes working with project documentation, expert reviews, and approvals. The cost of these services ranges from 3,000 to 10,000 PLN.

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Consultation and Order Placement

Algorithm for Buying Property Without a Mortgage

  1. Choosing the Property
  2. The first step is selecting the right property, whether it's an apartment or a house on the primary or secondary market. Considering the average price per square meter in Warsaw (approximately 11,000–20,000 PLN depending on the district), buying a 50 m² apartment will cost around 500,000–900,000 PLN.
  3. Checking the Legal Status
  4. The buyer must verify the legal status of the property by reviewing the Księga Wieczysta (Land and Mortgage Register) to confirm ownership rights and identify any potential encumbrances. Legal verification services typically cost between 500 and 1,500 PLN.
  5. Signing the Preliminary Agreement
  6. After verifying the property, a preliminary agreement (umowa przedwstępna) is signed, which outlines the obligations of both parties. At this stage, a down payment (deposit) is usually made, amounting to about 10% of the property's price. For instance, for a 700,000 PLN property, the deposit would be 70,000 PLN.
  7. Final Agreement and Notary Fees
  8. The final purchase agreement is signed at the notary's office. Notary fees depend on the property's value and typically range from 2,000 to 3,000 PLN. Additionally, a 2% PCC tax (civil law transaction tax) is payable for secondary market properties (as of 01.10.2024, there is a proposed exemption for the PCC tax when purchasing a first home in Poland). PCC tax does not apply to properties purchased directly from developers on the primary market.
  9. Full Payment
  10. After signing the final agreement, the buyer transfers the full property price to the seller. This payment can be made through a bank account, with transfer fees depending on the bank.
  11. Ownership Registration
  12. The final step is registering the property under the new owner's name in the Księga Wieczysta (Land and Mortgage Register). This procedure costs approximately 200–300 PLN. Additional costs may arise for registering the property and updating records in the register. If buying from a developer on the primary market, registration in the land register may only be possible after construction is completed.
Planning to buy property in Poland without a mortgage?
Submit a request for a consultation, and our specialists will help you complete all the necessary procedures quickly and without unnecessary expenses.
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Algorithm for Buying Property with a Mortgage

  1. Choosing the Property
  2. Decide on the property type — it could be an apartment or a house on the primary or secondary market. Prices per square meter in Warsaw range from 11,000 to 20,000 PLN depending on the district and type of property. For example, a 60 m² apartment may cost between 660,000 and 1,200,000 PLN.
  3. Preparing for a Mortgage Application
  4. Assess your financial capabilities. Mortgage interest rates in Poland range from 7.5% to 8.5% annually, with a maximum loan term of up to 35 years.
  5. Submitting a Mortgage Application
  6. We provide support in preparing your mortgage application and selecting the best terms. Our mortgage consultants will help you calculate the optimal loan amount based on your salary and property price. Collaborating with Poland's largest banks, we ensure you access the most advantageous offers.
  7. Credit History and Income Verification
  8. Even if you do not work officially in Poland, we have mechanisms to help you prove your financial stability to the bank. Our specialists will assist you in preparing the necessary documents to present your income accurately, increasing your chances of loan approval.
  9. Legal Verification of the Property
  10. Before finalizing the deal, the property’s legal status is verified by reviewing the Księga Wieczysta (Land and Mortgage Register) for encumbrances and ownership rights.
  11. Signing the Preliminary Agreement
  12. This agreement sets the terms of the purchase and the obligations of both parties. Typically, a down payment of 10% to 20% of the property price is required at this stage.
  13. Final Agreement at the Notary’s Office
  14. Notary fees for the final agreement depend on the property value and range from 2,000 to 5,000 PLN. Additionally, a 2% PCC tax (civil law transaction tax) applies for secondary market properties (as of 01.10.2024, a proposal to exempt the tax for first-time homebuyers in Poland is under development). This tax does not apply to properties purchased directly from developers on the primary market.
  15. Ownership Registration
  16. After signing the final agreement, secondary market properties are registered in the Księga Wieczysta (Land and Mortgage Register). This costs approximately 200–300 PLN, and the process takes 4 to 8 weeks. For primary market purchases from developers, registration in the land register may only occur after construction is completed.
Become a Property Owner in Warsaw with Professional Support!
We streamline the mortgage process, even if you lack official income in Poland.
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Real Estate Investments and Flipping — Optimal Strategies for Growing Capital

Warsaw continues to be one of the most dynamic and promising real estate markets in Europe.

Long-Term Real Estate Investments

Purchasing an apartment or house in Warsaw’s promising districts is a reliable tool for capital growth. Many Warsaw neighborhoods experience stable increases in property prices due to high rental demand. We conduct thorough market analysis, considering factors such as development levels, urban plans, and infrastructure projects, to select the most profitable investment properties.

For example, in the Włochy district, the average price of a two-bedroom apartment on the primary market rose from 535,000 PLN in September 2022 to 707,000 PLN in September 2024.
Purchasing a 60 m² apartment in Mokotów for 1,200,000 PLN could generate monthly rental income of 5,000–6,000 PLN, offering a potential annual return of 4%, considering stable demand and no significant tax changes.

Real Estate Flipping

Flipping involves buying properties that require renovation or reconstruction and reselling them quickly at a higher price. This strategy can significantly increase the property's value after renovation. In Warsaw and its suburbs, such transactions are common in areas undergoing redevelopment, where active urban development boosts property values.

The cost of buying a property for flipping can start at 7,000 PLN per m² during the initial stages of a district’s development, and after renovation and infrastructure improvements, prices can reach 12,000–15,000 PLN per m². Renovation costs typically range from 1,000–3,000 PLN per m², depending on the scope of work and materials used.
For instance, purchasing a 50 m² apartment for 350,000 PLN and renovating it for 100,000 PLN could lead to a resale price of 600,000 PLN, yielding a potential profit of 150,000 PLN.

Land Purchase and Construction Permits
for Foreigners in Poland

Foreigners wishing to purchase land in Poland face specific legal requirements.

Land Purchase Permit

To acquire land in Poland, non-EU citizens must obtain approval from the Ministry of Interior and Administration of Poland.
Requirements for Obtaining the Permit:
  • The applicant must have a justified intention to purchase the land, such as for housing construction or business activities.
  • It is essential to demonstrate that the transaction does not threaten national security or public order.
  • Economic, social, and regional aspects of the transaction may also be taken into account during the approval process..
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Construction Permit

After purchasing land, obtaining a construction permit is required before starting any building work. This process is regulated by the Building Law (Prawo budowlane) and involves several stages:
  • Preparation of the Construction Project: The project must be approved by local authorities.
  • Submitting the Application: The application for a construction permit is submitted to the office of the county governor (starosta) or the city administration (Urząd Miasta).
  • Compliance with Local Plans: The project must align with local spatial development plans (Plan zagospodarowania przestrzennego) and adhere to building regulations.
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The Prosto Project™ business group offers comprehensive services in Warsaw in three key areas: Real Estate, Legalization, and Credit Services.
Prosto Project™ Spółka z ograniczoną odpowiedzialnością, ul. Trojańska 7, 02-261 Warsaw
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