How can one obtain a mortgage to purchase property abroad?

Buying Property Abroad

Buying property outside Poland is a dream for many people, whether as a vacation apartment by the sea or as an investment in a rapidly developing European city. A wide range of foreign properties can be found on Immo Rapid.

With growing interest in foreign markets, the question arises of how to finance such a transaction. Obtaining a mortgage for a foreign property is not simple, especially if using banks operating in Poland. It is worth exploring the options for financing the purchase of property abroad.

Polish banks do not provide mortgages secured on property located abroad because proper valuation is costly and complex, and pursuing claims would require applying local law.

This does not mean that buying property abroad must be funded solely from savings; alternatives include a personal loan from a Polish bank, a mortgage secured on property in Poland, or a mortgage from a foreign bank.

Obtaining a mortgage abroad requires assessing creditworthiness, a down payment (typically 30–50% of the property value), and complete documentation, sometimes with certified translations, and occasionally additional security.

Foreign currency mortgages carry exchange rate risk and extra costs, so insurance or a financial cushion is recommended.

Investing in property requires careful calculation, comparing different financing options, and monitoring current offers on Immo Rapid.

The most popular investment destinations are Spain, Italy, Germany, and Portugal, chosen both for leisure and long-term investment potential.