What's it like buying an apartment from a developer in Świnoujście? A practical guide.

Real estate Świnoujście 2025-05-21

1. Investment Choice – Why Świnoujście?

Świnoujście attracts not only tourists, but also investors and people looking for a comfortable place to live. New development projects are emerging both in the city center and near the beach or the Spa Park. Among the offers you will find:

sea-view apartments (often with short-term rental options),

family apartments in quieter neighborhoods,

compact studio flats, perfect as a “second home” or capital investment.

When choosing an investment, it’s worth paying attention to the finishing standard, stage of construction, the developer’s reputation, and the building’s surroundings.

2. Property Reservation

When we find an interesting apartment, the first step is to reserve it. Developers in Świnoujście usually offer a reservation agreement – a document that temporarily “secures” the selected unit. A small reservation fee is usually required (typically from PLN 1,000 to 5,000), which is later deducted from the purchase price.

3. Developer Agreement at the Notary

This is a key stage – signing a developer agreement in the form of a notarial deed. The agreement specifies, among others:

apartment price,

payment schedule,

completion date and property transfer,

description of finishing standards for the unit and common areas.

The developer is required to present an information prospectus containing all relevant details about the investment, land, and legal status.

4. Financing – Cash or Mortgage?

Many apartments in Świnoujście are bought with cash (e.g., for investment purposes), but of course, a mortgage loan is also an option. Banks usually require:

the developer agreement,

an excerpt from the land and mortgage register,

payment schedule.

Important: some developers use an open escrow account, meaning the bank releases funds in stages based on verified construction progress.

5. Technical Acceptance of the Apartment

After construction is completed, the developer invites the client for a technical handover of the property. It's a good idea to bring a specialist or building inspector to check, for example:

room dimensions,

functioning of installations,

quality of finishing.

All defects are listed in the protocol – the developer is obligated to fix them.

6. Transfer of Ownership

The final step is signing a notarial deed transferring property ownership and registering the new owner in the land and mortgage register. From this moment, you officially become the owner and can start finishing works or move into your ready apartment.

Why is it worth buying an apartment in Świnoujście?

Location – access to the sea, beautiful beaches, and a spa-like atmosphere.

Dynamic growth – new developments increase property value.

Investment potential – opportunity for short- and long-term rental.

Good transport – the Świna tunnel has significantly improved city access.

Buying a new apartment from a developer in Świnoujście? Trust the experts

Our real estate agency has been helping clients safely and smoothly purchase new-build apartments for years. We support you at every stage:

we review developer contracts,

verify developments and developers,

advise on mortgage loans,

assist in technical handovers.

We know the local market and what to look for so you can buy your dream apartment – without stress or unpleasant surprises.