2026 Guide for Poles Who Want to Buy a Home in Spain and the Costa Blanca

The new Mediterranean life that draws thousands of families to the Costa Blanca

There are moments when a real estate decision stops being merely an investment and becomes a complete transformation of one’s way of life. Every year, more Polish citizens are noticing that the possibility of owning property in the Mediterranean no longer seems like a distant dream, but instead starts turning into a real project. The idea of having breakfast by the sea, working online from a sunny terrace year-round, or enjoying mild winters by the beach has completely changed what it means to live well.

Demand for housing in Spain for Polish buyers has grown extraordinarily, especially in areas such as Benidorm, Costa Blanca, Alicante, Altea, Finestrat, and Villajoyosa. This isn’t just about tourists who want to spend their holidays there. Today, we’re talking about families looking for stability, investors analyzing real estate returns, professionals who telework from Spain, and people who want a second home near the sea.

The Spanish real estate market currently offers a combination that is very hard to find elsewhere in Europe: privileged weather, modern infrastructure, a high quality of life, constant air connections with Poland, and a wide variety of apartments near the sea in Spain tailored to different budgets and lifestyles.

For many Polish buyers, the decision to buy an apartment in Costa Blanca often begins after several vacation visits. What starts as a temporary stay ends up turning into the desire to stay longer, invest wisely, or even move there permanently. The Mediterranean lifestyle, the cuisine, safety, and the opportunity to live by the beach all year long create a very strong emotional impact.

At the same time, real estate investment in Spain has become one of the most attractive options for European citizens. Thanks to tourism, the Costa Blanca maintains steady international demand, which makes many properties highly profitable assets for short-term holiday rentals or long-term lets.

In this context, working with a real estate agency in Benidorm specialized in Polish buyers is essential to carry out a safe, transparent, and efficient transaction. Buying a home in another country means understanding specific legal, tax, financial, and administrative procedures. Local experience makes a huge difference throughout the entire process.

Benidorm I Alicante I Finestrat I Altea I Calpe

Can a Polish citizen buy property in Spain?

Yes. Any Polish citizen can buy a house in Spain in a completely legal way and with the same guarantees as other European Union citizens. Poland is part of the EU, which greatly simplifies the property-acquisition process in Spanish territory.

Today, thousands of Polish buyers in Spain purchase apartments, villas, penthouses, and investment properties every year, especially along the Mediterranean coast. The areas with the strongest demand growth mainly include the Costa Blanca, where the balance between price, quality of life, and climate continues to attract international investors.

The purchase can be carried out either in person or from Poland through notarial powers of attorney. Many clients start the process while they are still living in Warsaw, Kraków, Gdańsk, or Wrocław, and only travel to Spain at certain key stages of the transaction.

One of the major advantages for Polish citizens is the ease of accessing mortgage financing in Spain. Spanish banks typically work with foreign buyers, and there are financial institutions specialized in international clients from Poland.

In addition, Spain offers great legal security for real-estate transactions. The property registry, notaries, and buyer-protection mechanisms make buying a home on the Costa Blanca a solid and reliable process when it is done properly.

The key is to receive professional guidance from the very beginning, especially on matters such as legal verification of the property, taxes, related costs, financing, and the documentation required.

How to buy property in Spain step by step as a Polish citizen?

The process of buying a home in Spain as a Polish citizen is relatively straightforward when you follow a professional, organized structure. It usually starts with choosing the right area based on the buyer’s goal.

Some Polish families look for peace and quiet and wide beaches. Others prioritize a tourism investment. There are also buyers who want to take advantage of
the rise of remote work in Spain and live all year round in cities such as Alicante or Benidorm.

After selecting the ideal area, the property search begins. At this stage, it’s important to look not only at the visual appeal of the property, but also at factors such as sun orientation, build quality, community fees, rental potential, distance to the sea, and future opportunities for value appreciation.

Once the home has been chosen, a reservation is typically made to take the property off the market. Afterwards, all legal and planning documentation is reviewed before signing the private purchase agreement.

The Polish buyer will need an N.I.E. number, open a bank account in Spain, and prepare the international transfer of funds.
In many cases, the mortgage application is also started at the same time.

The final signing takes place before a notary in Spain. On that day, the purchase is officially formalized and the buyer receives the keys to their new property.

Today, many international clients particularly value the option to carry out much of the process remotely. This makes the operation far easier for Polish citizens who are temporarily still living in Poland while they organize their move or investment.

Documents required for Polish buyers

One of the biggest concerns for foreign citizens is the paperwork required to buy property in Spain. However, the process for Polish buyers is fairly straightforward.

The most important document is a valid passport or national identity document. You will also need to obtain the NIE number, which is essential for any significant financial transaction in Spain.

Spanish banks will also request financial documentation if the buyer wants to get a mortgage. In most cases, you’ll be asked for an employment contract, tax filings, bank statements, and documents relating to income.

In certain transactions—especially when it involves buyers who work online or are self-employed—financial institutions may request additional information related to professional activity and financial stability.

Another important factor is the credit report from the buyer’s country of origin. Spanish banks review international financial history before approving mortgages for foreign clients.

When the buyer is unable to travel to Spain frequently, it’s common to use notarial powers of attorney to speed up the administrative and legal procedures related to buying real estate.

Working with specialized professionals in Polish buyers on the Costa Blanca makes all of these steps much easier and helps prevent administrative mistakes that could delay the transaction.

Benidorm I Alicante I Finestrat I Altea I Calpe

Everything about the N.I.E. in Spain
for Polish buyers

The N.I.E., officially known as the Foreigners’ Identification Number, is one of the most important requirements for any foreign citizen who wants to buy property in Spain. This number serves as a tax identifier and will be needed for practically every procedure related to purchasing real estate in Spanish territory.

Without the N.I.E., it is not possible to acquire a home, open certain bank accounts, arrange utilities such as water or electricity, or take out a mortgage in Spain. For this reason, many Polish buyers decide to apply for it even before they begin the purchase process.

The procedure can be carried out directly in Spain or through Spanish consulates located in Poland. Although the process is usually relatively quick, it is essential to prepare all the documentation correctly in order to avoid administrative delays, especially during periods of high demand in real estate areas such as the Costa Blanca or Benidorm.

It is important to note that obtaining the N.I.E. does not automatically mean tax residency in Spain, nor does it require you to live permanently in the country. Many Polish citizens keep their main residence in Poland and use their property in Spain as a second home by the sea, a holiday residence, or a real estate investment.

In cities such as Benidorm, Alicante, or various towns on the Costa Blanca, there are numerous specialized services for foreign citizens, making it much easier to handle all the administrative, legal, and financial procedures related to purchasing property in Spain.

How to get an N.I.E.?

Mortgage in Spain for Poles

One of the factors that is currently driving growth the most among buyers from Poland is access to mortgages in Spain for Polish citizens.

Spanish financial institutions offer financing to European Union foreigners, especially when they can demonstrate job stability and verifiable income. Typically, banks finance between 60% and 70% of the purchase value for non-residents.

The mortgage process in Spain usually takes between 10 and 20 days to obtain a financial pre-approval. During that time, the lender reviews income, credit history, debt capacity, and the applicant’s financial documentation.

Many Polish families especially value the fact that mortgage payments in Spain can be competitive compared to certain European markets, particularly when properties are bought in areas with high tourist demand and potential for value appreciation.

In addition, buying an apartment near the sea can generate extra income through holiday rentals or short-term rentals. This allows some buyers to combine personal enjoyment with real-estate returns.

It’s also important to consider associated costs such as bank valuation, account opening, issuing a bank cheque, and certain administrative expenses linked to the financing.

Working with specialized mortgage advisors for foreign buyers in Spain makes bank negotiations much easier and helps you access better financial terms.

Learn about mortgages in Spain

Full purchase process of buying in Spain

The purchasing process in Spain follows a clear, step-by-step structure that ensures the security of the transaction. It all begins with selecting the property, where factors such as location, price, and the asset’s potential for appreciation in the market are assessed.

Once the property has been chosen, you make a reservation by paying a deposit that allows it to be temporarily withdrawn from the market. The next step is the signing of the deposit agreement, in which the terms of the sale are set out and both parties commit to the deal. During this phase, the lawyer carries out a comprehensive review of the documentation to ensure the transaction is lawful.

Finally, the transaction is formalized before a notary through the signing of the public deed of sale. At that moment, payment is made and the property is transferred. Subsequently, the deed is registered with the Land Registry, legally consolidating the buyer’s ownership.

Real example - primary market (new construction)

For a property priced at €300,000, the buyer must add:

VAT (10%): approx. €30,000
Stamp Duty (1.5%): approx. €4,500
Notary fees: approx. €1,600
Land Registry: approx. €800
Other administrative expenses: approx. €500

These additional costs come to approximately €37,500,
bringing the total cost of the transaction to around €337,500.

This represents an increase of close to 12-13% over the original price.

Real example - secondary market (resale)

For a property priced the same as €300,000, the costs would be:

I TP (10%): approx. €30,000
Notary: approx. €1,500
Land Registry: approx. €800
Other administrative expenses: approx. €500
Lawyer: approx. €1,500

The additional expenses come to approximately €34,000, bringing the total cost to around €334,000.

Here, the actual increase remains around 11–12%.

Best areas on the Costa Blanca for Polish buyers

The Costa Blanca has become one of the top destinations for Polish citizens looking to buy a home in Spain. The combination of beaches, climate, international services, and air connections clearly sets this region apart from other Mediterranean areas.

Benidorm continues to be one of the most in-demand cities thanks to its modern infrastructure, safety, urban beaches, and a huge range of dining and shopping options. Many buyers are especially looking for apartments with sea views and modern buildings with a swimming pool and communal areas.

Finestrat has surged in popularity among foreign investors who want new properties with contemporary design and close proximity to both beaches and golf courses.

Altea attracts buyers who want a more exclusive, artistic, and peaceful lifestyle, while Villajoyosa wins people over with its Mediterranean authenticity and relaxed atmosphere.

Alicante also remains in high demand due to its international airport and excellent connectivity with Europe.

For Polish families who want to live in Spain on a permanent basis, it’s especially important to consider factors such as international schools, hospitals, international supermarkets, internet connectivity, and quality of life throughout the year.

Benidorm I Alicante I Finestrat I Altea I Calpe

Living in Benidorm and the Costa Blanca all year round

The traditional image of Benidorm as a destination exclusively for holidays has changed enormously in recent years. Today, thousands of Europeans live in the city permanently, thanks to its extraordinary quality of life.

Mediterranean weather makes it possible to enjoy mild temperatures even in winter, which is particularly appealing to citizens coming from Poland. Many families highlight how their physical and emotional well-being improves after moving to Spain.

The ability to walk along the sea all year round, exercise outdoors, and enjoy a more relaxed way of life has become a priority for many international buyers.

In addition, the rise of teleworking has multiplied interest in living on the Costa Blanca. Digital professionals, online entrepreneurs, and self-employed people find that Spain offers an ideal setting for combining remote work with quality of life.

Mediterranean cuisine, healthcare infrastructure, safety, and international connections help consolidate the Costa Blanca as one of the best places in Europe to live by the sea.

Many Polish families also value the existence of international communities, where it is easy to integrate and build new social relationships.

How much does it really cost to live in Benidorm in 2026? Real and up-to-date monthly expenses

Investing in holiday apartments in Spain

Real estate investment on the Costa Blanca continues to attract foreign capital thanks to the steady growth of international tourism.

Buying tourist apartments in areas such as Benidorm makes it possible to generate income through holiday rentals for much of the year. High tourist occupancy turns many properties into exceptionally attractive assets for European investors.

Currently, demand for modern apartments near the beach far outstrips supply in certain premium areas along the Mediterranean coast.

Many Polish buyers initially purchase a second home and then discover the immense earning potential offered by the Spanish tourism market.

The key to a successful investment lies in choosing the right location, orientation, build quality, and nearby amenities. Properties with spacious terraces, sea views, and close proximity to the beach tend to maintain particularly high demand.

It’s also important to review tourist rental regulations and maintenance costs before making the investment.

In cities such as Benidorm, international tourism operates virtually year-round, which clearly sets this area apart from more seasonal destinations.

Benidorm Tourist License Guide

Most common mistakes when buying a home in Spain

One of the most common mistakes made by foreign buyers is focusing only on photographs or prices without properly assessing legal and planning aspects. It’s also common to underestimate additional costs related to taxes, the notary, financing, and maintenance. Some buyers try to carry out transactions without local professional guidance, which can lead to later problems involving matters such as registry charges, permits, or contracts. Another common error is choosing properties solely based on price without considering location, resale potential, or future rental demand. In highly sought-after coastal areas, factors such as solar orientation, the quality of the building, and the true proximity to the sea can have a major impact on the property’s future value. For Polish citizens who want to move permanently, it’s also important to analyze the residential surroundings, transport links, medical services, and how well life can be adapted to a Mediterranean lifestyle. Experience shows that working with specialists in foreign buyers in Spain significantly reduces risks and makes the purchase far more secure and peaceful.

Why is the Costa Blanca attracting more and more Polish buyers?

The relationship between Poland and the Costa Blanca has been greatly strengthened over the past few years. The growth of direct air connections, the rise of teleworking, and the desire to improve quality of life have driven a genuine transformation in the international buyer profile.

Today, many Polish citizens are no longer looking for holidays in Spain alone. They’re looking for stability, well-being, investment, and a new way of living.

The chance to have breakfast facing the Mediterranean, enjoy more than 300 days of sunshine a year, and access modern properties near the sea makes this Spanish region one of the most sought-after real estate destinations in Europe.

In addition, the combination of legal certainty, healthcare quality, modern infrastructure, and an international atmosphere positions the Costa Blanca as one of the best regions to buy a home in Spain if you’re Polish.

The real estate market continues to show strong momentum thanks to steady international demand. This provides peace of mind for both buyers looking for their own home and investors who want to protect and grow their capital in solid real estate assets.

Between sandy beaches, seafront promenades lit by Mediterranean sunshine, and open terraces year-round, more and more Polish families are discovering that owning a property in Spain isn’t just a real estate purchase. It marks a new chapter shaped by the sea, the light, and a different way to enjoy life.

Benidorm I Alicante I Finestrat I Altea I Calpe

ESTRELLAS PROPERTIES

Importance of the agency and professional support

The purchasing process in Spain is secure, but it involves multiple steps, checks, and coordination among different professionals. Having an experienced real estate agency and a lawyer ensures that each stage is handled correctly and without unnecessary risks.

Professional guidance not only provides legal certainty, but also makes it easier to negotiate, select suitable properties, and coordinate every aspect of the entire process through to the final signing.

Before closing the purchase, it’s essential to assess the investment from a holistic perspective that includes both financial and strategic factors. The property’s location, its condition, rental demand, and market trends are key elements that directly affect the investment’s profitability and security.

Professional advice helps reduce risk, spot opportunities, and make decisions based on real, verified information.

Our clients, our best reference

Mrs. Kamila helped us find our desired home. Very professional.

— Irene Mirete Sánchez

We found Estrellas through a recommendation, and it was a total success. A professional approach, with all arrangements organized and prepared for our arrival in Spain. Without knowing the Spanish market or the Costa Blanca area, we shared our preferences with the team and they were able to fine-tune the available options perfectly. After making the purchase decision and returning to Spain, we only needed three days to complete all the paperwork related to opening a bank account, obtaining the NIE, and signing before a notary. We were supported throughout the entire process and, most importantly, after the purchase has been finalized, they continue to offer full after-sales service and are always available for any questions. With Estrellas Properties, the impossible becomes possible. They have extensive knowledge and experience, which allows them to handle even situations that seem difficult to manage. A warm greeting to the whole team, and we wholeheartedly recommend them.

— Justyna

We found Estrellas thanks to the recommendation of two families who had purchased properties in Spain with very different profiles. We don’t like taking risks—we were looking for a safe investment for rental, one that also gave us flexible use as owners, along with property management service at the highest level. From our very first phone conversation, I knew it wasn’t an agency focused on quick transactions. Kamila, a co-owner of the agency, guides her clients through the entire selection process, bringing her expertise without putting any pressure on them. She presents the full range of possibilities, which makes it possible to make decisions with complete confidence. She’s always available and responds quickly. And spending time with her is genuinely a pleasure—because besides being an excellent professional with access to the best properties, she’s also a fantastic person. I truly recommend her! It’s been a real pleasure. Kamila, thank you so much!

— Agata Magda

We went to Benidorm looking to buy a property. After searching a long time we came across Estrellas and the moment we entered we couldn't have been more happier. Kamilla was sat at her desk and After telling her what we wanted for our money she couldn't have been more helpful. She arranged for us to see 5 properties the following day. After seeing the properties and choosing on one everything she done for us was amazing. Within 3 days we had opened a bank account, sorted out our NIE numbers. We left Kamilla sorting things out as we travelled back to the UK. Everything was sorted within about 3 weeks and we couldn't be happier in our new place. I also have to say that Marina the solicitor was amazing too. I would highly recommend this place and if i could give more than 5 stars I would. Thank you once again

— Susan Vaughan

Working with Ms. Kamila is a real pleasure. Her level of professionalism, calm demeanor, and positive attitude are truly impressive. I wish there were more people like this in the world! The entire process was carried out in an exemplary manner, despite unforeseen events and unexpected situations (beyond our control). I highly recommend her—100% 😊

— Krzysztof Pe

I strongly recommend Kamila and her team. Excellent collaboration throughout the property purchase and help with absolutely everything—also after the purchase. If anyone wants to buy an apartment or a house in this part of Spain, this is undoubtedly the right real estate agency.

— Piotr Turski

The best agency for me. Even in difficult transactions, and even after the purchase, they continue to support and help. That’s why the 5 stars are more than deserved.

— Adam Nawotka (Myjnia 24H Ciechanów)

Kamila was very kind and professional. Thank you very much

— Daniel Ekhlaghy

A perfect experience from the very first moment I could trust Camila; she advised me and helped me with everything. Very sincere.

— Yolanda Sanchez Martinez

They are reliable, always available 7 days a week, expert in every area of Real Estate, honest, keen, committed, always standing up and working in the client's interest, thorough, fast and there never put pressure or stress on the client. They are multilingual and spend, give the client all the time needed there is never stress or rush. Beyond these special qualities they are very involved with their clients as people and nothing is too much for them. We have experience with estate agents in Spain and can sincerely recommend Estrella Properties by Kamila Pointek. Do not look for another estate agent if you want to buy or sell something but contact Estrella Properties directly and you will not regret it. We will definitely come back to Kamila Pointek for the next Real Estate Transaction in Spain. Do not hesitate any longer and contact them by phone today! 5 Stars should be 10 Stars!

— Richard van Huizen

Benidorm’s best real estate agency, Marina and Camila helped me find my dream home. Thanks a thousand.

— Inmaculada Sanchez

I came across Estrellas Properties’ office by chance. Marina, the agency’s lawyer, solved a lot of issues with my property purchase. Without a doubt, she’s a true professional! I’d recommend this agency to all my family and friends.

— José Rodríguez

Kamila literally fell from the sky! After many bad experiences with other agencies, we finally got it 🥳 we signed the notarial deed. Without Kamila’s experience and patience, we wouldn’t have pulled it off. Thank you so much—this is a shared success 💪🏼

— Eliza Debicka

I wholeheartedly recommend it! Excellent collaboration—everything was explained clearly and carried out in a very professional manner. Thank you very much for everything; we’re very happy to have arrived exactly here. Kind regards!

— Patryk Borkowski

We recently purchased a home through Estrellas Properties in Benidorm and had the absolute pleasure of working with Kamila. From the very beginning, she was incredibly helpful, professional, and trustworthy – a true gem in the real estate world. Kamila guided us through every step of the process with patience and care, always making sure we were informed and comfortable. She was available whenever we had questions and truly went above and beyond to make the experience smooth and stress-free. What stood out most was her continued support even after the sale was completed. She didn’t just disappear once the deal was done she stayed in touch and continued to offer advice and assistance whenever we needed it. We would also like to extend our heartfelt thanks to Marina, our solicitor, who played such an important role throughout the process. Her attention to detail, clear communication, and professionalism gave us great peace of mind. Marina was always available to explain things clearly an

— Bora Topkaya

Highly professional and with excellent communication.

— Tomoroga Laurentiu

I’m very satisfied with my collaboration with this company, and especially with Kamila. Despite a few surprises during the property purchase, Kamila took care of everything the way she should. Throughout the entire search and purchase process, I felt well looked after and attended to. In the future, if I buy another property again, it will definitely be with them!

— Rafał M.

During our search for an apartment, we had the help of Kamilla. We’ve found her to be a very reliable real estate agent who makes sure that the entire buying process, in the broadest sense, runs smoothly. She thinks proactively, lays out the options available, but at no point does she come across as pushy. She has a great knowledge of the market and maintains good relationships with many other colleagues in the area. In addition, Kamilla is a very pleasant person who stays herself in every situation. Without a doubt, we would choose her again without hesitation. It’s also very helpful that, besides Spanish and Polish, she speaks English.

— Esther

Fantastic service—professional, fully committed, with support at every stage. Everything was handled quickly and efficiently, and on top of that, with great kindness and approachability. I highly recommend it.

— Hanna Pelec

With all my heart, I can recommend Estrellas Properties. The wonderful Mr. Władysław accompanied us throughout the entire process, from choosing the property to the very end… or better yet, without an end, because we’re still counting on his help in everything. And for quite some time now, we’ve been happy owners of a property in Spain. The best, without a doubt.

— Marzena Bochen

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Buying property in Spain for Polish citizens

What will you discover in this guide?

Find your home on the Costa Blanca

The new Mediterranean life that draws thousands of families to the Costa Blanca

Can a Polish citizen buy property in Spain?

How to buy property in Spain step by step as a Polish citizen?

Featured properties

Documents required for Polish buyers

Everything about the N.I.E. in Spainfor Polish buyers

Find your home on the Costa Blanca

Mortgage in Spain for Poles

Full purchase process of buying in Spain

Real example - primary market (new construction)

Real example - secondary market (resale)

Best areas on the Costa Blanca for Polish buyers

Officially registered real estate agency in Spain

Complete Guide to Benidorm

Lifestyle, climate & real estate investment

Altea

The white city of the Costa Blanca that captivates you forever

L’Alfàs del Pi and El Albir Complete Guide

History, international society and lifestyle

Calpe Complete guide

Beaches, the famous Peñón de Ifach, festivals and traditions

Living in Benidorm and the Costa Blanca all year round

Investing in holiday apartments in Spain

Most common mistakes when buying a home in Spain

Find your home on the Costa Blanca

Why is the Costa Blanca attracting more and more Polish buyers?

Importance of the agency and professional support

Our team

Our clients, our best reference

Contact us

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