If you know of any lenders
You can try Hamilton May, they are based in Krakow I think. And speak English.
"don't come here with the UK way of doing things in this industry"?
The higher up you go the more professional things are (which is another reason to go with commercial - you are dealing with large business lacking in emotion rather than locals which sometimes left emotions take over). That tends to be the case becauses its other peoples money they are dealing with and the onus is on then getting a good deal for their company within the law, rather than looking to bend the law or break it by those who have nothing to lose. Certain aspects are certainly different, but as long as you apply common sense and don't leave things to chance (that means paying for expertise when required), its a great way to play weak sterling and run a high yield in the meantime. Liquidity is pretty good in the biggest fastest growing cities, particularly if your asset is in a top location with good footfall. Of course you have to pay for this but that doesnt mean accepting a low single digit yield as in the UK, you can get high single figures although yields are getting more and more compressed as more people take an interest in Poland. Id say office space is suffering a bit from over capacity and while they are building record numbers of flats, there is still plenty of demand and a large chunk of deals there done in cash. Prices are still some way off pre GFC peaks in 2008, so there is still plenty to play for, but as I say, yields are going to be just 4-5% in better areas. You can get higher yields elsewhere, but you will need to be very hands on as you will be dealing with people that wont always have the ability to pay. So best avoided. So that leaves the commercial space. More professional, strong yield and given the long term contracts on offer, more stable.