Property finance in Poland.
Poland is the largest and most dynamic market in Central Europe — bank-led, złoty-denominated, and without an established domestic bridging product. We arrange development, investment and structured facilities there for corporate and SPV borrowers, via lenders permitted in-country.
By Dominic Whitecross, Co-Founder, HyLend. For corporate and SPV borrowers.
How lending works in Poland
Poland is the standout economy of Central and Eastern Europe, with deep occupier demand in logistics, offices and residential — but its financing market is bank-led and amortising, much like Germany's. There is no established domestic bridging product; short-term, exit-led structures come from a narrow group of international and private lenders, where they come at all.
Security is taken through a mortgage entered in the land and mortgage register, with notarial involvement, and lending is commonly denominated in złoty (PLN) or euros depending on the lender and the asset's income — a currency-matching question that matters more here than in eurozone markets. Corporate or SPV ownership is the norm for cross-border deals, and local legal and tax advice is essential.
What we arrange in Poland
Across the whole of market, always via a lender licensed or permitted in Poland, we arrange the same families of facility we do in the UK — structured to how Poland actually lends:
- Short-term / bridging where an international or private lender supports it, at higher minimums than the UK.
- Development finance for corporate developers, against cost and value with staged drawdowns.
- Investment and term facilities to hold income-producing assets, typically the most available product locally.
- Specialist and structured capital — equity, mezzanine and larger raises on complex or cross-border mandates.
How we work on a Poland deal
We arrange and introduce; we are not a lender. Facilities are arranged with lenders licensed or permitted in Poland, and local legal and tax advice is taken in-country as a matter of course.
Corporate and SPV borrowers, on non-regulated purposes. We do not act for individuals buying residential property for their own occupation in Poland or anywhere in Europe — that work is regulated locally and a regulated broker in-country is the right route.
We will tell you early if a deal is not placeable. HyLend Limited is a UK credit broker and does not hold or claim authorisation to conduct regulated credit intermediation in any EU member state.
What to send us
The location and asset, the borrowing entity and where it is incorporated, the amount and term, and the exit. If a local bank or lender is already involved, tell us. We will come back on whether it is placeable, roughly where pricing sits, and what the structure needs to look like — before anyone spends money on fees.
Poland property finance FAQs
Can you arrange property finance in Poland?
Yes — development, investment and structured facilities for corporate and SPV borrowers, via lenders licensed or permitted in Poland. Short-term bridging appetite is limited and comes from international rather than domestic capital.
Do you lend to individuals buying a home in Poland?
Yes, for corporate and SPV borrowers on non-regulated purposes. We do not act for individuals buying a home for their own occupation — that is regulated locally and a regulated broker in-country is the right route.
Is lending in Poland in złoty or euros?
Both are seen: domestic banks commonly lend in PLN, while international lenders and larger commercial assets with euro-denominated leases often borrow in EUR. Matching the loan currency to the asset's income is a structuring decision we work through early.
Why is Poland attractive despite the harder financing?
Scale and growth: it is the largest CEE economy with deep demand in logistics, residential and offices. The financing market is conservative, so a well-structured corporate proposition with a credible plan places well; speculative short-term requests do not.
Currency: the cost line most borrowers miss
On a Polish deal, currency matters twice: the exchange rate on the way in and out, and the PLN-or-EUR denomination decision on the loan itself. We work closely with Total Currency Exchange, a UK currency specialist whose payment services are provided through FCA-authorised partners, for competitive rates and properly managed transfers on cross-border deals.
Want an introduction? Tell us when you send the deal — or ask us directly — and we will connect you personally. We do not provide currency advice; timing and hedging decisions remain yours with your FX provider.
How the property will be valued
Valuation practice is national, not European, and the differences are not cosmetic. In Poland the valuation is an operat szacunkowy prepared by a licensed property valuer, and banks maintain approved lists of firms whose reports they will accept.
Two things hold true across every market we work in. The valuer is instructed by the lender and reports to the lender, not to you, whoever pays the fee. And the figure the lender applies its leverage to may not be the market value in the report — several European lending regimes work from a deliberately conservative value beneath it, in the same way UK lenders use restricted marketing period figures.
Build the valuation into the timetable rather than treating it as an administrative step: on cross border commercial deals it is routinely the longest single item. The full valuations guide →