Turnkey Real Estate & Mortgage Services in Wrocław

We help you safely purchase property in Wrocław — even without Polish citizenship. From property selection and document verification to mortgage financing, residence permit approval, and handover of the keys

Explore Developers
12

+

Years in the real estate market

1200

+

Completed transactions

96

%

Client satisfaction rate

Explore Developers

We’ll find properties that match what you’re looking for

Answer 5 quick questions to book a free consultation with a real estate agent and mortgage advisor. We’ll review your needs and discuss the best options for your situation

Step 1 of 5

What are you buying the property for?

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How many bedrooms are you looking for?

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How are you planning to finance your purchase?

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What’s your budget?

Step 5 of 5

Do you have funds for a down paym

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Where would you prefer to get your property recommendations?

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phone or telegram
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We’ll prepare the most relevant property options based on your answers. One of our advisors may contact you to clarify a few details and make sure the selection matches what you’re looking for

Warsaw
Wrocław
Poznań
Gdańsk
Gdynia
Sopot

Our Services

Services Varem Estate

We handle the entire process — from finding the right property to signing the notarial deed, completing paperwork, and registering with the Ministry of Internal Affairs (MSWiA) 

01

Apartment Purchase

Buying from a developer or on the resale market, with full access to property listings

We provide end-to-end support throughout the apartment purchase process, whether you are buying on the primary or secondary market.

Our services include:

  • personalised property search,
  • legal due diligence,
  • assessment of whether an MSWiA permit is required,
  • advice on financing options.

We work with both Polish citizens and international buyers.

We safeguard every stage of the transaction - from the initial free consultation, through the notarial deed and transfer of ownership, to property tax formalities and the final handover of the keys.

What does access to the entire property market mean?

When you work with Varem Estate, you gain access to offers from all developers — without being pushed towards selected projects or investments.

Our priority is to find the best property for you, not simply the one for which a developer pays an agency commission.

We are compensated exclusively by the buyer. This means we represent only one side of the transaction and negotiate solely in our client’s best interests.

On the secondary market, we also give you access to a broad range of properties:

  • directly from owners,
  • through other real estate agencies — without an additional commission payable to the seller’s agent,
  • from professional databases and sources beyond standard property portals.

Our goal is to find the best property on the market based on your priorities — price, quality, standard and location.


02

House & Townhouse Purchase

Personalized sourcing and purchase of houses/townhouses that don't require MSWiA approval

At Varem Estate, we provide comprehensive support in selecting and purchasing houses, townhouses and semi-detached homes - including properties that may require an MSWiA permit.

We work with international clients and buyers who do not hold Polish citizenship.

We carry out legal due diligence on the property and advise you throughout the entire purchase process, including an assessment of both the buyer’s legal status and the legal status of the property.

The initial consultation is free of charge and includes a preliminary assessment of whether the purchase can be completed in your particular circumstances.

To book a consultation, leave your details using the form below or contact us via your preferred messenger at +48 881 78 78 68


03

Mortgage

End-to-end mortgage support in Poland, tailored to the specifics of foreign buyer status

We analyse your financial situation and develop the most suitable mortgage strategy for your circumstances. We help you select a bank offering appropriate terms, prepare the required documentation and guide you through the entire mortgage process — right through to the release of funds.

We work with international buyers, non-residents and Polish citizens.

Your first consultation with a mortgage expert is free of charge and includes an initial assessment of your borrowing capacity and available financing options.

Leave your contact details using the form below and we will get in touch to arrange a convenient online meeting.


04

Property Purchase Requiring MSWiA Approval

We manage the entire process when Ministry approval is required, including obtaining approval while running other transaction steps in parallel

The need to obtain an MSWiA permit should not turn your property purchase into several separate processes that you have to coordinate on your own.

We manage the entire transaction as one integrated process. First, we determine whether an MSWiA permit is actually required for the specific property and the buyer’s individual circumstances. If it is, we factor this into the transaction before any major financial commitments are made and plan the next steps accordingly.

We assist with preparing and submitting the application to MSWiA, guide you through the permit procedure and handle the related communication. At the same time, the purchase process continues - we coordinate mortgage financing, communication with the seller or developer, property documentation and preparation for the notarial deed.

Our role is not simply to help you obtain an MSWiA permit. Our goal is to manage the entire purchase safely and efficiently, all the way through to the handover of the keys.

How does buying a property that requires an MSWiA permit work?


05

Land & Commercial Property Acquisition

Professional support for purchasing land plots, standalone homes, and commercial properties

We carry out comprehensive legal due diligence, including verification of the land designation, existing encumbrances and compliance with relevant planning and building regulations.

We support international clients and buyers without Polish citizenship at every stage of the transaction — from selecting the property through to completing the formalities required to acquire ownership.

The initial consultation regarding the purchase procedure and available options is free of charge.


06

Apartment & Home Sales

Property valuation, sales strategy, buyer sourcing, and full transaction support from first viewing to key handover

We manage the entire property sale process — from valuation and preparing the property for the market through to signing the agreement and handing over the keys to the new owner.

The buyer may be represented by their own agent, lawyer or mortgage adviser. Our role is to represent the owner’s interests: to support the asking price with a clear strategy, conduct negotiations, review the terms of the agreement and identify potential risks for the seller before they become an issue.

We also manage property sales for owners who live abroad. We take care of property preparation, viewings, communication with potential buyers, negotiations, documentation and coordination of the entire transaction.

If selling is not currently part of your plans, we can help turn the property into an income-generating asset. We provide rental support for properties purchased by our clients through Varem Estate — from finding a tenant to coordinating the entire letting process.

You can find examples of these and other transactions in our Client Stories” section.

Find out what your property is worth today.

Submit an enquiry using the form below. We will assess the property and discuss the most suitable sales strategy based on the current market conditions.


07

Remote Property Purchase

Full-cycle sourcing and purchase support with no need for the client to be physically present in Poland

We provide comprehensive property purchase support without requiring the buyer to be physically present in Poland.

We arrange live virtual property viewings, provide legal consultations online and prepare and coordinate the remote signing of all required documents.

We work with clients from around the world, including buyers who do not hold Polish citizenship.

We ensure legal security throughout the transaction and keep the entire process transparent at every stage.

How does the process work?

  1. Opening a bank account under a power of attorney - without granting the authorised representative the right to dispose of the client’s funds.
  2. Property selection and live virtual viewings.
  3. Review of all relevant property documentation, accompanied by our detailed analysis and recommendations.
  4. Signing preliminary and final agreements on the client’s behalf under a power of attorney, followed by completion of the ownership registration, property tax formalities and handover of the keys.

If required, we can also provide ongoing property support, including renovation, rental, property management or preparation for a future sale.

To book a consultation, leave your details using the form on our website or contact us through your preferred messenger at +48 881 78 78 68


Услуги

Подзаголовок: Our Services
Заголовок: Services Varem Estate
Кнопка: Get request
Apartment Purchase House & Townhouse Purchase Mortgage Property Purchase Requiring MSWiA Approval Land & Commercial Property Acquisition Apartment & Home Sales Remote Property Purchase
We Determine Your Real Borrowing Power First — Then Find the Right Property

MORTGAGES IN Wrocław FOR FOREIGN NATIONALS

We Determine Your Real Borrowing Power First — Then Find the Right Property

We assess your borrowing capacity at our first meeting, compare offers from multiple banks, and help you choose the optimal financing solution, with full support

01

From 10% Down Payment

Banks typically require 10–20% equity from foreign buyers. Verified stable income in Poland is taken into account

02

Not Just PLN

Since NBP Recommendation 2014, non-residents are granted loans exclusively in zloty — a safeguard against currency risk for "franc" borrowers. That said, if you earn income in euros as a business owner, a mortgage may still be possible. We know how

03

Terms up to 30 Years

Standard maximum term is 30 years, though the loan must be repaid by the borrower's age 70–75

04

Temporary/Permanent Residence Card

Requirements vary by bank. Depending on your card's validity period, we tailor your loan strategy during the consultation accordingly

05

BIK & KNF Checks

A credit history check (BIK) is mandatory, and bank decisions are subject to KNF oversight. Decisions typically take 14–21 days. A common myth is that you need Polish credit history and must finance small household purchases to build one — don't do that

06

WIBOR + Margin

Polish mortgage rates = WIBOR (3M/6M) base rate plus a bank margin of 1.7–2.4%. The rate can be fixed for 5 years

01

From 10% Down Payment

Banks typically require 10–20% equity from foreign buyers. Verified stable income in Poland is taken into account

02

Not Just PLN

Since NBP Recommendation 2014, non-residents are granted loans exclusively in zloty — a safeguard against currency risk for "franc" borrowers. That said, if you earn income in euros as a business owner, a mortgage may still be possible. We know how

03

Terms up to 30 Years

Standard maximum term is 30 years, though the loan must be repaid by the borrower's age 70–75

04

Temporary/Permanent Residence Card

Requirements vary by bank. Depending on your card's validity period, we tailor your loan strategy during the consultation accordingly

05

BIK & KNF Checks

A credit history check (BIK) is mandatory, and bank decisions are subject to KNF oversight. Decisions typically take 14–21 days. A common myth is that you need Polish credit history and must finance small household purchases to build one — don't do that

06

WIBOR + Margin

Polish mortgage rates = WIBOR (3M/6M) base rate plus a bank margin of 1.7–2.4%. The rate can be fixed for 5 years

About company

A Full Team Stands Behind Every Deal

Buying property in another country involves more than finding an apartment — it means navigating Polish law, banks, taxes, permits, negotiations with sellers, and dozens of documents.

Working with us gives you access to every specialist involved in the process: licensed real estate agents, mortgage advisors, funds-legalization attorneys who help secure MSWiA approval, notaries, and tax consultants

12

+

Years in the real estate market

70

%

Of agents on our team are licensed

1000

+

Transactions with foreign buyers

About the Varem Estate Team
A Full Team Stands Behind Every Deal

One team. One goal — your secure transaction

TESTIMONIALS

Recommended by Friends and Family

Read reviews from clients who have already gone through the Varem Estate journey — from the first viewing to receiving the keys

COMPLEX TRANSACTIONS

When a Standard Approach Isn't Enough

Every case is, in fact, part of a person's or family's life. No two deals are alike, even when buying in the same complex — that's why we take an individual approach to every request and make decisions together with you

Все кейсы

FREE CONSULTATION

Schedule a Consultation

01

Full Real Estate Access

Access to every property database

02

No Restrictions on Viewings

Unlimited number of viewings

03

One Team, All Specialists

All mortgage and legal consultations are included in the cost of our services

Send a request

Fill out the form — we’ll take care of the rest

Leave your request, and we’ll contact you to discuss your property purchase and/or assess your mortgage eligibility

Contact channel
Name
Phone
phone or telegram
E-mail



Services
Remote Property Purchase
Apartment & Home Sales
Продажа квартир и домов
Land & Commercial Property Acquisition
Приобретение земельного участка и коммерческой недвижимости
Property Purchase Requiring MSWiA Approval
Покупка недвижимости с разрешением MSWiA
Mortgage

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