Property Fees - A Strategy to Reduce Costs When Buying Property in Poland

Team - Wednesday, May 12, 2021 Tags: Buying Property in Poland General Information Polish Mortgage Polish Notary Fees Polish Property Agency Commission Polish Property Buying Costs Residential Property in Poland

When it feels like everyone has their hand out

Before deciding to buy property in Poland you need to know how the system works. As a foreigner, you can't just assume that it is the same (or even similar) to that which exists in your home country.

We will make the following assumptions.

You have already got initial approval for a zl. 500,000 mortgage through a Credit Advisor you found through (saving yourself an automatic zl. 1,000).

You are now ready to chose a property and have checked all of the main property sites and identified a few possibilities (Best Property Sites in Poland - Buying).

We also assume you have read the many articles we have on buying polish property on our blog (i.e. Are agents a waste of money?) and liked us on facebook for regular updates.

A strategy

The central point we want to alert you to is that property agents in Poland regularly represent (and charge commission to) both the buyer and seller at the same time. However, it is also possible to engage the services of an agent who has no connection with the seller to negotiate on your behalf.

If you are sure you are going to have to pay some kind of agent commission (not necessarily true if buying a new development) then we would strongly suggest you engage a completely independent agent to represent you, unrelated to the agent included in the property advert.

This agent can still find you a suitable property (if you haven't already found one yourself) and make contact with the sellers agent on your behalf. The first advantage here is that they should more effectively represent you in the purchase process.

We would suggest that you also agree a fixed fee prior to viewing properties. If we assume that the headline commission cost would be zl. 15,000 +VAT (zl. 500,000 x 3%) we would begin by offering zl. 12,000 total, (including VAT). In addition to this, we would suggest that the translator, notary and property valuation fees are to be included in this commission.

What you are doing is incentivising the agent to find the ancillary services at the lowest price. This is something most of them can easily do but may not normally as they aren't materially affected directly.

This zl, 12,000 gross figure may be ambitious but as a starting point for negotiating the commission its as good as any. By forcing the agent to reveal the actual obtainable ancillary costs you can then focus on the cost of their services.

Be careful that you aren't too clever though and pay too little. If the agent feels they are not getting a good deal for themselves they may end up just getting in your way.

If you need to find a local independent property agent who speaks your language remember to use the free service on and check out last months article, Negotiating tips for buying Polish property.

Happy hunting,

Team BIgDoor24

About is a free service for Expats, finding Property Experts who speak your language & securing Commission Discounts. We pay zl. 200 per zl. 100,000 borrowed by successful mortgage applicants - see our site for details.