RealtyTM Team

A co-owner can sell their share in a property. Learn the rules of co-ownership, the right of pre-emption, the matter of consent and how to negotiate it.

You can sell a flat encumbered with a mortgage. Learn the role of the bank certificate, repayment and removing the mortgage, and how to settle it safely.

What a notarial deed is, what it must contain, how much it costs and how signing at a notary works. A practical guide to buying a property in Poland.

Screening a tenant limits the risk of arrears and damage. See how to legally assess a candidate, what to ask about and which documents you may expect.

A mortgage step by step: from checking creditworthiness and comparing offers, through the application and documents, to the bank's decision, the contract and disbursement.

Buying a first flat can feel overwhelming. We guide you through each step: from assessing your budget and creditworthiness to finalising the purchase.

Fixed or variable interest rate on a mortgage? We compare the costs, the risk and payment predictability, and help you choose the option best suited to you.

Primary or secondary market? We compare prices, formalities, taxes, waiting time and risks to help you choose the flat best suited to your needs.

A preliminary agreement is the foundation of a safe transaction. See which clauses protect the buyer and how notarial form differs from an ordinary written one.

The land and mortgage register: how to read it and check a property's legal status. Learn the structure of the four sections and the rules from the register Act.

Before buying a flat on the primary market, check the developer. We suggest where to find data on the firm's condition, project history and buyer safeguards.

A mortgage for a single person or a couple — how credit capacity is calculated, the differences, the pros and the risks of a joint commitment. A useful guide.