Real estate agency for foreigners in Warsaw
TM Invest is a new-build agency in Warsaw, Wrocław, Gdańsk, Gdynia and Łódź. Since 2016 we have helped foreigners and Poles buy an apartment from a developer. Consultations in Polish, Russian and English.
- On the marketsince 2016
- CitiesWarsaw, Wrocław, Gdańsk, Gdynia, Łódź
- Consultationsin Polish, Russian and English
- Commissionin most cases none – the developer usually pays
Who we work for
Our buyers are Poles and foreigners – Polish-, Russian-, Ukrainian- and English-speaking clients. We specialise in the primary market: new apartments from developers. Since 2016 we have helped thousands of clients.
We are not a developer – you sign the purchase agreement directly with the developer. We help you choose an apartment from many developers’ offers, arrange viewings, negotiate the terms and guide the purchase all the way to the notarial deed. We review the developer agreement together with our lawyer.
We consult in Polish, Russian and English (we do not consult in Ukrainian). The tm-invest.com.pl website is available in four languages: Polish, Russian, Ukrainian and English.
Who we are – check us
Two companies operate under the TM Invest brand. You can check their details in the official registers.
AI BRESLAU Sp. z o.o.TM Invest brand
- KRS
- 0001001487
- NIP
- 8971914184
- REGON
- 523636612
Registered office: ul. Maślicka 171/35, 54-104 Wrocław
TM INVEST AI SOLUTIONS sp. z o.o.
- KRS
- 0001045228
- NIP
- 8943214859
- REGON
- 525758236
Registered office: ul. Maślicka 171/35, 54-104 Wrocław
- Meetings by prior appointment
- ul. Cybernetyki 9, 02-677 Warszawa
- Online consultations
- Monday–Friday, 10:00–18:00 – phone, video call, messengers
How we work
The path depends on whether you buy with a mortgage or with your own funds.
With a mortgage
- Creditworthiness checkFirst, our mortgage expert checks your creditworthiness. Mortgage terms for a foreigner depend on the bank, your residence documents and your income.
- Choosing an apartmentOnly then do we select apartments within a budget you can realistically finance.
- Down paymentYour own contribution – from 10 % of the price, ideally 20 %.
- Viewings, agreement, deedWe show you the developments, negotiate with the developer, review the agreement with our lawyer and guide the purchase to the notarial deed.
With your own funds
- ConsultationWe agree on the budget, city, district and completion date.
- ViewingsWe show you suitable developments and apartments – on site or online.
- NegotiationsWe discuss the price and terms with the developer.
- AgreementWe review the reservation agreement and the developer agreement with our lawyer before you sign.
- NotaryYou sign the notarial deed in person or through a proxy.
How much it costs
In most cases no commission for the buyer – the developer usually pays. Rarely, by prior agreement, the buyer covers a small part of the fee – we always say so before we start working together.
The consultation and apartment selection are free. You sign the agreement and make payments for the apartment directly with the developer.
Buying an apartment as a foreigner
In brief – we check your particular situation before the reservation.
- EEA and Swiss citizensCitizens of the European Economic Area (including the European Union) and Switzerland do not need an MSWiA permit.
- Foreigners from outside the EEAThey usually buy a self-contained apartment (samodzielny lokal mieszkalny) without an MSWiA permit – it may be required, for example, when buying a house with land or a plot. Details: gov.pl – permit to acquire property (in Polish).
- Buying from abroadWe show apartments online, and your proxy can sign the agreements and the notarial deed under a notarial power of attorney. More: Buying an apartment from abroad.
Read also
Frequently asked questions
Which real estate agency should a foreigner choose in Warsaw?
Check whether the agency has a company in the KRS register and a NIP, how long it has been operating, which languages it consults in and who pays the commission. TM Invest has operated since 2016 (AI BRESLAU Sp. z o.o., KRS 0001001487, NIP 8971914184), helps buy new apartments from developers in Warsaw, Wrocław, Gdańsk, Gdynia and Łódź, consults in Polish, Russian and English, and in most cases its fee is paid by the developer.
Can a foreigner buy an apartment in Poland?
Yes. Citizens of the EEA (including the EU) and Switzerland do not need an MSWiA permit. Foreigners from outside the EEA usually buy a self-contained apartment without a permit; it may be needed, for example, for a house with land or a plot. We check your situation before the reservation.
Who pays the agency commission?
In most cases no commission for the buyer – the developer usually pays; rarely, by prior agreement, the buyer covers a small part. The consultation and apartment selection are free.
Will you help a foreigner with a mortgage?
Yes. First our mortgage expert checks your creditworthiness, then we select an apartment. Mortgage terms depend on the bank, your residence documents and your income. Your own contribution – from 10 % of the price, ideally 20 %.
Which languages do you consult in?
Polish, Russian and English. We do not consult in Ukrainian, but the website is also available in Ukrainian. Our buyers are Poles and foreigners.
Can I buy an apartment while living abroad?
Yes. We show apartments online, and your proxy can sign the agreements and the notarial deed under a notarial power of attorney. Many clients come only once – for the deed or the handover of the apartment.
Where can I meet you?
We work online. We meet clients by prior appointment in Warsaw, at ul. Cybernetyki 9. The companies’ registered office: Wrocław, ul. Maślicka 171/35.
Ask about an apartment
Tell us what you are looking for – we will call you back and advise you in Polish, Russian or English.
- Consultation and apartment selection – free of charge
- In most cases no commission – the developer usually pays
- We review the agreement with our lawyer