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
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Years in the real estate market
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Completed transactions
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Client satisfaction rate
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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
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)
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.
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
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.
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?
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.
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.
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?
- Opening a bank account under a power of attorney - without granting the authorised representative the right to dispose of the client’s funds.
- Property selection and live virtual viewings.
- Review of all relevant property documentation, accompanied by our detailed analysis and recommendations.
- 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
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
From 10% Down Payment
Banks typically require 10–20% equity from foreign buyers. Verified stable income in Poland is taken into account
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
Terms up to 30 Years
Standard maximum term is 30 years, though the loan must be repaid by the borrower's age 70–75
Temporary/Permanent Residence Card
Requirements vary by bank. Depending on your card's validity period, we tailor your loan strategy during the consultation accordingly
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
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
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Years in the real estate market
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Of agents on our team are licensed
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Transactions with foreign buyers
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
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Full Real Estate Access
Access to every property database
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No Restrictions on Viewings
Unlimited number of viewings
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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