Polish capital gathers strength – Poles investing in British property

06/06/2025
Business, Events

Poles living in the United Kingdom are climbing the economic ladder. In fact, The Economist recently reported that, as of 1 May 2025, Poles in the UK now earn more on average than native Britons – a remarkable shift from a decade ago when their wages were 15% lower.

This progress is fuelled by career advancement, business creation, professional qualifications, and improved English language skills. As a result, more Poles are moving into managerial and specialist roles, increasing their earnings and accumulating wealth.

A natural outcome of this financial growth is a surplus of capital – and increasingly, it’s being directed into property. Poles are not only investing in the UK, but also across Europe. For many, property has become a long-term vehicle for building wealth and securing their future.

It’s no surprise. When managed well, property is one of the most stable and potentially lucrative forms of investment. Recent inflation and financial market volatility have prompted many to seek safer havens for their funds – and rental properties or commercial real estate are often the answer.

“We’re seeing a huge surge in interest in property investment among our clients,” says Piotr Kubalka CEO of the accountancy firm J. Dauman Finance. “The issue is, many lack the knowledge to invest strategically. Some buy properties that seem profitable at first glance, but the capital isn’t working efficiently. With a well-designed plan, returns of 15–35% a year are possible – yet often overlooked.”

Many new investors treat buying property as a one-off opportunity – without strategy, reflection, or thorough analysis. But successful investment relies on several key elements:

Legal and tax-efficient structures – such as using a dedicated investment company to optimise fund transfers and minimise tax liabilities. This can significantly improve long-term profitability and simplify inheritance planning.
Choosing the right property – emotional attachment or location familiarity often drive decisions. But real success depends on metrics like return on investment, risk level, and value growth potential. Snapping up so-called bargains without due diligence can result in more loss than gain.
Smart financing – knowledge of tools such as buy-to-let mortgages, leasing options, or refinancing can boost returns without increasing the capital outlay.
Ongoing portfolio review – markets change. A property generating profit today might become unviable in a few years. Knowing when to sell, refinance, or adjust strategy is essential.
Understanding market cycles – property markets move in long-term cycles. Recognising where we are in the cycle helps investors decide whether to buy, sell, or secure gains.

Diversification matters, too. Investing across different types of property – residential rentals, commercial units, mixed-use spaces – and in different locations, spreads risk and strengthens portfolio performance.

“A well-managed property portfolio can offer stable passive income and create space to pursue other life goals – without the need for full-time employment or running a demanding business,” adds Kubalka.

Another clear shift is in long-term thinking. Increasingly, Poles are building structures aimed at creating generational wealth, not just addressing immediate needs. There’s growing awareness that a properly planned investment can secure the future of not only the investor, but their children and grandchildren as well.

We’re also seeing the rise of local investor communities – groups of Poles sharing knowledge, experience, and sometimes making joint purchases. These networks are becoming increasingly active at workshops, training events, and online webinars.

To support those ready to take a smarter approach to investing, J. Dauman Finance, in partnership with British Poles, is hosting a free investment webinar on 24 June 2025.

Join us to learn: