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🏡 New Apartments in Warsaw – Primary Market with ReFinansujemy Experts
Buying an apartment from a developer is one of the most important life – and financial – decisions. If you are interested in the primary market in Warsaw, want a verified investment, and want to ensure you don’t overpay for either the property or the financing, you are in the right place.
At ReFinansujemy.com, we combine years of experience in mortgage Poland and real estate Poland with access to thousands of new-build apartments from developers across Poland, including the most popular Warsaw districts: Mokotów, Wola, Wilanów, Ursus, Żoliborz, Bemowo, Białołęka, and others.
🏢 Why Buy a New-Build Apartment?
Purchasing property directly from a developer offers several advantages:
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Developer or turnkey finish – you decide whether to arrange the interior yourself or move in immediately.
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Developer warranty – new apartments come with legal guarantees, protecting you against defects.
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Lower operating costs – new buildings feature modern technologies and higher energy efficiency.
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No PCC tax (2%) – buying from a developer exempts you from civil law transaction tax.
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Safe transaction under the Developer Law – funds are protected, and projects are supervised.
At ReFinansujemy.com, we assist not only in choosing the right apartment but also in all formalities: from developer analysis to selecting the best mortgage Poland.
🔍 Most Popular New Investments in Warsaw
Warsaw is a dynamic market with attractive investment opportunities. Key districts:
📍 Mokotów
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Close to the city center, offices, and green areas (Morskie Oko Park, Pole Mokotowskie)
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Excellent transport (metro, trams)
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Wide selection of apartments – from premium to compact units
📍 Wola
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Rapidly developing – called the "New Manhattan of Warsaw"
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Projects near Rondo Daszyńskiego and Towarowa
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Well connected to the business center
📍 Wilanów
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Modern estates, good infrastructure
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Family-friendly projects near nature and international schools
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Wide selection of verified apartments
📍 Ursus
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Affordable prices, quick access to the center
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Quiet neighborhood, alternative to Bemowo and Włochy
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Increasing number of new projects and infrastructure
🤝 How We Support Buying from a Developer
Buying an apartment requires thoughtful decisions – both legal and financial. At ReFinansujemy.com, we assist every step of the way: from choosing the investment to signing the notarial deed and receiving keys.
1️⃣ We Advise on Which Investments to Consider
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Access to hundreds of verified projects in Warsaw and across Poland
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Analysis of developer credibility, construction progress, location, price per m², promotional conditions, apartment layouts, and finishing standards
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We only recommend properties that pass our internal verification
2️⃣ We Help Secure Financing on the Best Terms
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Full credit capacity analysis
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Comparison of offers from over 15 banks
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Selection of the best mortgage Poland option for your situation
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Negotiation with banks and faster processing
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Support in all formalities – from application to credit disbursement
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Over 18 years of experience in mortgage expert Poland services
3️⃣ We Ensure Transaction Safety
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Documentation check before signing the developer agreement
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Analysis of information prospectus and agreement templates
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Identification of potential risks (e.g., lack of safeguards, delays, unfavorable clauses)
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Cooperation with notary offices specialized in the primary market
💰 Mortgage for Developer Apartments – What You Should KnowPurchasing a new-build apartment usually requires a mortgage Poland. We consider:
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Own contribution – 10–20% minimum
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Bank commission – often 0%, sometimes 1–2%
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Interest rate (APR) – total cost including additional fees
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Insurance and other charges (e.g., bridge loan, low contribution, life or property insurance)
🧠 Primary Market InsightsBuying from a developer is different from the secondary market. First-time buyers often encounter developer agreements, turnkey standards, or technical acceptance procedures. Our team assists at every stage.
🔍 What to Check When Buying a New Apartment
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Construction stage and schedule
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Developer reliability – previous projects and reviews
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Apartment layout and functionality
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Common areas – elevators, lobbies, monitoring, greenery
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Availability of parking and storage
🏗️ How Our Team Works on New Investments in Warsaw
For 18 years, our mortgage expert Poland and real estate specialists have guided clients through financing and buying new-build apartments. We represent clients, not developers.
Our services include:
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Analysis of preferences – location, size, budget, timing
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Verification of developer and project – permits, agreements
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Negotiation of reservation and developer agreements
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Legal support
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Mortgage Poland advice – comparison of 15+ banks
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Process coordination to key handover
📈 Developers We Work With
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Dom Development, Ronson Development, Archicom, Echo Investment, Dantex, Bouygues Immobilier, Victoria Dom, YIT Development, and many others
💡 Safety in Buying from Developers
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Reservation agreement review
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Prospectus verification
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Escrow account protection
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Technical acceptance with engineer support
🏠 Why Choose New-Build Apartments in Warsaw
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Modern technology (floor heating, ventilation, smart intercoms)
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No renovation needed – move-in ready or customize yourself
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Transaction security – escrow, developer law compliance
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Investment convenience – early-stage purchase and future rental/sale profit
🌱 Sustainability and Comfort
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High energy efficiency
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Modern elevators, monitoring, access systems
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Storage rooms, bike racks, green courtyards, terraces
🏦 Mortgage Options
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Safe Credit Program
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Subsidized loans
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Deferred payment options
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BGK guarantee for low own contribution
🔍 Step-by-Step Developer Purchase with Us
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Select investment – independently or with our support
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Verify developer and project – KRS, permits, construction progress
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Compare mortgage Poland offers based on credit capacity
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Support with applications, documents, property valuation
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Coordinate bank, notary, developer schedules
🌍 We Serve Clients Across PolandRemote and on-site meetings: online, phone, or in-person
🏁 Final Steps
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Technical acceptance
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Check apartment condition with engineers
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Submit utility applications
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Sign notarial deed
🛠️ Post-Purchase Support
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Tax settlements, finishing works, rental management, refinancing after a few years
With ReFinansujemy.com, you gain a long-term partner, not just a mortgage advisor.
🌍 Where to find us?
📍 We operate throughout Poland – online, by phone, and in person
We effectively support clients across Poland – both through online meetings and in-person consultations. Regardless of your location, you can rely on our commitment, expertise, and comprehensive service.
Want to safely purchase a new apartment?
Take advantage of a free consultation with our expert and learn:
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which developments are worth considering,
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what your real financial options are,
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how to obtain a mortgage pre-approval in as little as 72 hours.
🧩 Trust experts who have already supported thousands of transactions
Our team has helped hundreds of families, investors, and international clients safely complete the purchase of new-build apartments over the past 18 years. We work transparently, free of charge, and comprehensively – from A to Z.
Refinansujemy.com means:
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An EFPA-certified expert,
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A nationwide database of verified developers and projects,
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Multilingual advisory services (PL, UA, ENG),
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Ongoing support after purchase: rentals, interior finishing, refinancing.
Additionally, we help you:
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Negotiate terms with banks and developers,
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Reduce commissions, mortgage-related costs, and insurance premiums.
🔑 Buying a New-Build Apartment in Poland
🧩 A New Apartment – an Investment in Comfort and Security
Buying a property from a developer means choosing modern architectural solutions, energy-efficient installations, and full developer warranty coverage.
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you gain the ability to design the interior from scratch,
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lower operating costs in the first years of use,
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access to infrastructure such as parking, elevators, monitoring, and green areas,
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often a better location – close to metro lines, schools, and recreational areas.
🔔 About Real Estate in Poland
Stay Updated – Real Estate in Poland BLOG
What are the additional costs when buying property in Poland?
In addition to the purchase price, buyers should expect fees for notary services, registration in the land and mortgage register, taxes, and sometimes agent commissions. A real estate Poland consultant can provide a clear estimate to avoid surprises.
How do mortgages work in Poland?
Mortgages for property in Poland are available for both residents and foreigners. The terms depend on the bank, loan amount, and your financial profile. Working with a mortgage expert in Poland can help you navigate variable and fixed rates, loan-to-value ratios, and application procedures.
How much is the typical deposit for buying property in Poland?
For most property Poland purchases, buyers are expected to provide a down payment of 10–20% of the purchase price. Higher contributions can lead to better mortgage terms. Using a mortgage Poland expert can help determine the optimal deposit and financing options.
Can foreigners buy property in Poland?
Yes, foreigners can purchase property in Poland, although certain restrictions may apply depending on nationality and property type. EU citizens have fewer restrictions, while non-EU nationals may need permission from local authorities. A realtor or advisor can guide you through the legal and administrative requirements.
What are the steps to buy property in Poland?
Buying property in Poland involves several steps: selecting the right location, checking the developer or seller, arranging financing if needed, signing a preliminary agreement, conducting due diligence, and finalizing the notarial deed. Working with a local real estate agent in Poland expert can simplify the process and ensure all legal requirements are met.
Property Purchase in Poland – FAQ
Legal and financial procedures
Selection, verification, and reservation
Analysis of available projects
🧩 Investment purchase? Profitable properties across Poland
Real estate as a form of capital investment has been chosen for centuries by both private individuals and institutions. At Refinansujemy.com, we:
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help you assess the investment potential of a given apartment,
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check whether a purchase through a company or via leasing is possible.
Our offer includes new developments in Warsaw, the Tricity, Kraków, Wrocław, and Poznań, including options for long-term and short-term rentals (e.g. resort apartments).
🧭 What does the cooperation with us look like?
Purchasing a new-build apartment in Warsaw (e.g. Mokotów, Wola, Wilanów, Ursus) or in another city does not have to be stressful or complicated.
With the support of our experts, who have been helping clients with property financing and purchases for over 18 years, you can be confident that everything will be handled according to plan – from choosing the development, through the mortgage process, to handover and full transfer of ownership.
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Real Estate in Poland - Comprehensive Property Purchase Support
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Want to learn more and secure the best mortgage in Poland? ReFinansujemy.com are specialists with over 18 years of experience assisting foreigners in Poland with property purchases and mortgages.
Thanks to our expertise and know-how, you can be confident that you’re always getting the best bank offer available. Contact us today, and we’ll help you analyze your situation and obtain a mortgage that’s both profitable and advantageous for you.
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