Anna is an experienced premium agent who has spent the last 10 years passionately connecting people with their dream homes in Warsaw. She currently lives in Paphos, Cyprus, where she gratefully enjoys the Mediterranean lifestyle and shares it with others, using her experience, knowledge and local presence. She specializes in selling exclusive villas and apartments in the Paphos, Limassol, Larnaca and Agia Napa areas.
She lets her clients discover what she can do for them. Maybe it is in Cyprus that they will find their oasis of peace and fulfillment of their hidden dreams. She helps not only in finding the perfect property, but also in generating high ROI and passive income, while taking into account tax benefits for her clients’ companies.
Anna combines wisdom, commitment and effectiveness in her work. She works quickly and effectively, using her skills, a wide network of contacts, excellent memory and the ability to analyze situations. She always works with intention and commitment, combining professionalism with intuition. She has a talent for discovering opportunities that others do not see, and her decisions are based on both reason and intuition.
She believes that real estate is not only buildings, but above all human stories. These are what make this job fascinating, but also require mastery in understanding people and building relationships. She is also a born organizer – since childhood she loved planning, organizing and implementing ideas. For years she organized events, beach weddings and exotic VIP trips. This taught her that dreams do not come true – dreams are organized. At the right time, place and with the right people.
Thinking of buying a property in Cyprus? There is more than just the azure sea waiting for you. Check out what exactly
If you’ve ever thought ‘what if you threw it all away and lived… on an island’, Cyprus could be a good destination to materialise those dreams. On the one hand peaceful, safe and still wild in places, on the other vibrant, luring you with attractions, flavours and colours. It can be the answer to more than one of your desires. We look at why investing in property in Cyprus is a good idea and what benefits await potential investors.
The property is located in the Paphos area, along the shoreline of the historic lighthouse. The property overlooks the coastline and is close to all necessary amenities and services, as well as the tourist center of Paphos, where along the promenade there are numerous restaurants, cafes, and beautiful beaches.Details of…
The exclusive and unique “Luna Villas” development consists of four bungalows and six two-story homes that offer unobstructed sea views in Paphos and Peyia. Located in Tala, an elite suburb of Paphos, this project is just a four-minute drive from the center of Paphos, the Tala golf course and the…
This is a unique residential resort located within walking distance of Paphos and the blue waters of the Mediterranean Sea. These hilltop homes in Chloraka have a relaxed contemporary design with distinct Mediterranean features. All living areas have direct access to large terraces and gardens surrounding the properties. This development…
Perneri Villas offer a unique location between Paphos city and Tala village, with the added advantage of overlooking the village of Leptos Stephanie. Available in 2, 3 and 4 bedroom versions, these villas feature spacious verandas and offer breathtaking views of the Mediterranean Sea. The neighborhood has earned a reputation…
Nestled in the hills above Paphos, next to the village of Tsada, are the elegant Olympus Estates. These Cyprus properties are carefully located so that residents can enjoy breathtaking panoramic views of the sea and the Mediterranean countryside. In perfect harmony with their rural surroundings, these exclusive luxury custom villas…
This is a unique waterfront development that offers one- and two-bedroom apartments and penthouses, as well as detached three-bedroom villas. There are two communal swimming pools (one of which is heated during the winter months), set in beautiful and spacious landscaped gardens. The project also includes a private clubhouse. Traditional…
This is a unique villa located in the landmark Leptos Estates project. The project features delicate stone arches and a prime location with breathtaking views of the countryside and the Paphos coast. Kamares Villas combines location, leisure, luxury with privacy and elegance, factors that were of paramount importance in the…
This exclusive property is a luxury villa with 4 bedrooms and 2 floors on a very large plot with fantastic sea views. It has a large and spacious living area, swimming pool and rooftop terrace, as well as optional barbecue facilities and Jacuzzi. This development is located on the coast…
The development is an exclusive residential complex located near Geroskipou in Paphos, Cyprus. Featuring a selection of luxury 2 and 3 bedroom apartments, this exclusive development offers a truly remarkable living experience. Take a dip in the beautiful landscaped gardens and take a refreshing dip in the communal pools, designed…
This is a luxury villa with 4 bedrooms and 4 bathrooms located in the Coral Bay area, one of the most exclusive areas in Paphos. Some of its features include underfloor heating, Italian kitchen, upgraded finishes and much more. The investment is a brand new project by Leptos Estates, perfectly…
Coral Apartments, located on the outskirts of Paphos city in the charming Coral Bay, offers a lifestyle of unparalleled sophistication and contemporary elegance. Meticulously designed with attention to detail, these residences are a testament to architectural finesse, combining modern aesthetics with the warmth of a Mediterranean atmosphere. The development provides…
This villa includes 4 bedrooms and is conveniently located near the sandy beach. Offering a private pool, spacious verandas and sun terraces, these villas provide breathtaking views of the Mediterranean Sea. Located on the edge of one of the best beaches in the Paphos region, the area is renowned for…
This is a beautiful 4 bedroom house built to the highest standards, located in one of the most desirable locations in Paphos. It sits on a large plot with a surrounding private garden with plenty of room for a pool. The property is located in a quiet and picturesque bay,…
This 2-bedroom villa offers a wonderful combination of comfort and stunning surroundings. With a spacious veranda and a spacious terrace, residents can enjoy breathtaking sea views overlooking the famous Argaka beach. In addition to its picturesque charm, the property offers ample space thanks to its expansive plot and showcases beautifully…
This Chloraka project consists of seventy-three exquisite seaside homes ideally located between the tranquil port of Paphos and the sandy beaches of Coral Bay. With sunny days accompanied by the harmonious sound of the waves and windy evenings illuminated by the moon reflected in the sea, this location is ideal…
This apartment is a luxurious property consisting of a large and bright living/dining area. The spacious balcony offers a magnificent view of the fertile plains of Geroskipou in Paphos and the Mediterranean Sea. All Aphrodite Springs townhouses and garden apartments have the option of private pools, while a large common…
This home is part of the Aphrodite complex, a stunning residential development located in the beautiful area of Kato Paphos, Cyprus, offering a luxurious and comfortable lifestyle. The gated community provides a sense of security and privacy, while a 24-hour concierge service ensures that residents’ needs are met around the…
This villa is designed to present magnificent views of the valley down to the Mediterranean Sea and the impressive coastline. Stone patios and verandas abound in the spacious living room, dining room, study/fourth bedroom and kitchen. The centerpiece of the living room is a beautiful traditional fireplace. The fully equipped…
The complex is surrounded by acres of green fields, offering residents the best of both worlds – a rural location with direct access to all the amenities of Limassol. More than 75% of the project’s area is devoted to landscaped gardens with meandering paths and ponds, which surround two large…
Del Mar expresses the “new wave” of the island’s architecture through a unique curvilinear high-rise design that takes full advantage of the plot’s 170-meter shoreline. As a result, each of the apartments in this waterfront development can enjoy breathtaking views of the Mediterranean Sea. The development is strategically located right…
This apartment is a stunning property located in Poseidon Tower, an exclusive waterfront development located in the new center of Limassol, Cyprus. It is located near Limassol Marina and the shopping and business center of the old city, making it a convenient and desirable location. The development was designed by…
Choosing a home at Parkside will allow you to take full advantage of all that Konya, Paphos and all of Cyprus has to offer. This new development occupies a unique location in Konia and includes only ten exclusive villas of varying sizes to meet different needs and desires. At first…
Welcome to a new apartment building located in Universal, Paphos. This complex consists of 19 apartments 3 with one bedroom, 14 with two and two penthouses also with 2 bedrooms, the entire development also includes a swimming pool for residents.
The apartment building is a modern and cozy complex conveniently located in the heart of Paphos. The unique and bespoke design, characterized by high quality materials, which will consist of eight apartments, two on each floor, on four floors. The apartments consist of spacious rooms with views of the city…
Located in the spectacular setting of the beautiful hills of Tsada village and just a few minutes’ drive from the city center, we have for sale two luxuriously modern 3-bedroom villas and one 4-bedroom villa in Paphos. This magnificent development offers unparalleled sea views and is located just 4.5 kilometers…
Located in a quiet residential area of Paphos, this four-story development consists of 7 spacious and modern one and two bedroom apartments. With only 7 units in total, this exquisite project offers just 2 apartments per floor. The top floor features a single penthouse with two bedrooms and a large…
Located in the spectacular setting of the beautiful hills of Tsada village and just a few minutes’ drive from the city center, we have for sale two luxuriously modern 3-bedroom villas and one 4-bedroom villa in Paphos. This magnificent development offers unparalleled sea views and is located just 4.5 kilometers…
Located in a prime location in the Aphrodite HillsPremium apartment boasts the uncompromisingattention to detail that is synonymous with the high-endreal estate offered at this award-winning resort. This beautiful first-floor apartment offers stunning views of the large communal pool, the Golf Academy and the blue Mediterranean Sea. Large rooms and…
Located in a prime location in the Aphrodite Hills resort Premium apartment boasts the uncompromising attention to detail that is synonymous with the high-endreal estate offered at this award-winning resort. This beautiful first floor apartment offers stunning views of the large communal pool, Golf Academy and the blue Mediterranean Sea.…
Cyprus, European Middle East
Let’s start with the facts. Cyprus is a state located on the island of the same name lying in the Mediterranean basin in Western Asia. Through territorial waters, it borders Turkey, 70 km to the north. Its capital city is Nicosia. According to official statistics, the country has a population of 896,007 (Eurostat ’21), of which 22.42% are foreigners. The local population is Orthodox Christians. The island itself has a complicated political situation. The northern part is the so-called Turkish Republic of Northern Cyprus, which is not internationally recognised. It is inhabited mainly by the Muslim Turkish population. Although they are separate political entities, the influence of both cultures can be seen at every turn, making Cyprus a unique place. There is much more on the list of advantages of the Island of Aphrodite, as it is also called. What awaits tourists and property investors in Cyprus are truly cinematic landscapes, a friendly climate, the possibility to practice all kinds of sports, delicious Mediterranean cuisine, a rich, centuries-old culture and a unique local mentality. Let’s take a closer look at this place.
Strategic location
The magnificent landscape and weather attract not only tourists from Europe, but also from the Middle East and Africa to Cyprus. All thanks to its strategic location on the world map and proximity to three continents. Polish property investors in Cyprus will be pleased to know that cheap airlines such as Ryanair and Wizzair fly there from our country. You can get to Paphos with Ryanair airlines from Krakow, Warsaw Modlin, Katowice and Poznan. On the other hand, with Wizzair you will get to Larnaca from Krakow, Katowice and Warsaw. The flight time is about three hours, which is relatively short. The island itself is also easy to navigate, thanks to the short distances between the most popular destinations. The car route from Larnaca, located in the east, to Paphos, located in the west, is only 1.5 hours.
Optimal climate
Located in a subtropical climate zone, Cyprus is a guarantee of good weather. Apart from the north-eastern part of the island, which offers a semi-arid climate, most of Cyprus will welcome you with a Mediterranean climate. In practice, this means a minimum of 300 days of sunshine a year, dry, warm summers, mild winters and rare rainfall. The warmest months are July and August with an average temperature of 32 degrees. In the winter season from December to March, on the other hand, 16-18 degrees await you. The tourist season here is long and lasts from April to November, but there is also no shortage of winter hikers. So if you decide to buy a property in Cyprus in an attractive tourist location, you can bet on short-term rentals and thus make money on your investment.
Unique landscapes
Imagine yourself on a beautiful sandy beach surrounded by turquoise. That’s Cyprus. And then swimming in crystal clear water in a sea cave. That’s Cyprus too. Or on a mountain walk among quaint little villages. Yes, it’s still Cyprus. When you decide to travel or invest in property in Cyprus, you will enter a land of landscapes straight out of romantic films. The island is famous for its beaches surrounded by turquoise water, 69 of which have been awarded the prestigious blue flag. Extensive infrastructure and a myriad of water sports await you there. You’ve probably also heard of Aphrodite’s Rock. This is not only the island’s landmark, but also an example of magnificent coastal rock formations with sea caves. These can be found at Cape Greco and around Aiya Napa, among others. Cyprus will also offer you mountains. In its southern part, you will find the Trodos Massif, covered with large forests, with the country’s highest peak: Olimpos (1952 metres above sea level). In summer, you can enjoy numerous hiking trails and in winter, the only ski resort in Cyprus.
Cyprus cuisine
Cyprus’ unique location at the crossroads of three continents means that the cuisine too is a mixture of influences – mainly Turkish and Greek. There is a unique Mediterranean cuisine full of olive oil, fresh fruit and vegetables such as oranges, mandarins, bananas, figs, grapes, pomegranates, pomelos, melons, lemons, olives, tomatoes, sweet potatoes, as well as cheeses (e.g. feta or halloumi), fish and seafood (e.g. codfish, squid, octopus or mussels), meats, local sauces (e.g. tzatziki) and fresh bread. For those who like to try everything, the mezze culture, a selection of starters, awaits. And let’s not forget the local wines. Cypriot cuisine is not just about flavours and aromas. If you decide to invest in property in Cyprus or move to the Island of Aphrodite, a culture of long feasts and table conversations, where time passes differently, also awaits you. Together, all this makes for a culinary and cultural explosive mix.
Cultural richness
Its strategic location on the world map has meant that Cyprus has always been a glutton for the region’s major powers. The island was claimed by Assyrians, Egyptians, Greeks, Persians, Arabs, Lusignans, Venetians, Crusaders, Turks and English. It is therefore no wonder that the wealth of culture and the remains of various civilisations, visible at every turn, attract crowds of tourists. You will see here the ruins of houses from the Bronze Age, buildings from the time of the Greek and Roman empires, picturesque medieval castles or fortifications created by the Venetians. Cyprus is home to one of Europe’s most beautiful cities, Paphos, a UNESCO World Heritage Site in its entirety. Hiking through the mountains full of stone-carved traditional houses and cobbled streets, churches and monasteries, where you can admire frescoes and wall paintings dating back to the Middle Ages, is popular. One thing is for sure, lovers of exploring history will certainly not be bored here, and the constant influx of tourists is a treat for those who decide to buy property in Cyprus.
When planning to buy property in Cyprus, look for the perfect place
Whether you dream of a house with a pool in Cyprus or a flat with a sea view, Aphrodite Island will offer you everything. The important thing is to choose a resort that can become your second home. Let’s take a look at the most popular ones among foreign tourists and investors.
Paphos Located in the south-western part of Cyprus, the city has a population of approximately 36,000. It is one of Cyprus’ major tourist destinations and a major destination for foreign property investment. Compared to other tourist destinations, it stands out for its more intimate, peaceful atmosphere and the history that is omnipresent at every turn. The city is a UNESCO world heritage site. In addition to the monuments, Paphos will offer you nice beaches and seaside activities. There is an international airport 16 km from the city.
Average price of a property in Paphos 1,422 € /m2 (numbeo IX ’22)
Average rental price of a 1-bedroom flat 540 €/month (numbeo IX ’22)
Estimated monthly cost of living for 1 person (excluding rental costs) $ 485/month (livingcost.org)
Situated in the southern part of Cyprus, Limassol is home to around 154,000 inhabitants. It is a cosmopolitan seaside resort famous for its nightlife, where you will find numerous hotels, restaurants or clubs. In addition to parties, Limassol offers beautiful beaches and vineyards surrounding the city. Due to its location at the foot of the Trodos Mountains, it will also provide you with activities in the form of mountain climbing and hiking.
Average price of property in Limassol 2,546 € /m2 (numbeo IX ’22)
Average rental price of a 1-bedroom flat €1,048/month (numbeo IX ’22)
Estimated monthly cost of living for 1 person (excluding rental costs) $ 593/month (livingcost.org)
Larnaca One of the most important cities in Southern Cyprus with a population of approximately 72,000. A seaside resort and an important transportation point due to the international airport located there. The city has nice beaches, including some that have been awarded the Blue Flag. Larnaca’s gastronomic and party facilities will provide you with plenty of activities.
Average price of a property in Larnaca 1,549 € /m2 (numbeo IX ’22)
Average rental price of a 1-bedroom flat 653 €/month (numbeo IX ’22)
Estimated monthly cost of living for 1 person (excluding rental costs) $ 576/month (livingcost.org)
Nicosia Lying in the central part of the island, the capital of Cyprus has a population of around 116,000. Nicosia is divided between Southern Cyprus (Greek) and Northern Cyprus (Turkish). A demilitarised zone, overseen by the UN, stretches between the two parts. The entire city is accessible to tourists. An interesting place for lovers of sightseeing and exploring different cultures.
Average price of a property in Nicosia €1,805 /m2 (numbeo IX ’22)
Average rental price of a 1-bedroom flat €539/month (numbeo IX ’22)
Estimated monthly cost of living for 1 person (excluding rental costs) $ 571/month (livingcost.org)
Cyprus economy and local real estate market
Cyprus is one of the developing countries. In the creation of gross domestic product, which currently stands at US$27.72 billion (World Bank ’21), services, especially the real estate-driven tourism, contribute predominantly. The Cyprus government has set itself the goal of making the country a year-round destination. In January 2020, the implementation of the ‘National Tourism Strategy 2030’ began, which aims to respond to the changes and behaviour of post-pandemic tourists, no longer looking for just the beach and the sea, but places to relax in the spirit of slow and more personalised experiences. The growth of tourism and making the Island of Aphrodite a year-round destination presents a number of opportunities for property owners in Cyprus.
As for the property market itself, it is an important part of the Cypriot economy.
According to Deloitte’s 2021 Cyprus Real Estate Market Report, it accounts for 16.5% of GDP. Not counting the decline caused by the COVID-19 pandemic, interest in Cyprus real estate among foreign investors has been recording consistent growth for several years. According to the aforementioned report, 40.4% of sales in this sector in 2020 were specifically to foreigners, with 42% of Paphos, 23% of Limassol, 18% of Larnaca, 11% of Nicosia and 7% of Famagusta.
Cyprus is characterised by its rich offerings, and you will also find many so-called luxury properties, which are less prone to fluctuations during crises. Properties located on the coast are the most popular among foreigners. There is also more demand for flats in Cyprus than houses. It is estimated that interest in this sector (both in terms of sales and rentals) will increase due to the increasing number of international workers. One visible trend is Ukrainian and Russian companies moving here. So if you are considering buying a property in Cyprus, now might be the right time.
How much does property cost in Cyprus and what return can you expect?
As the Central Bank of Cyprus’ quarterly report shows, property prices in Cyprus are currently on an upward trend. In the first quarter of 2022, an increase of 6.8% was recorded for flats and 1.5% for detached houses compared to the previous year. How much does a m2 currently cost? This, of course, depends on the location, metre, origin, standard and additional qualities of the place. You will find the highest prices in Limassol with an average of €2,546 /m2 (numbeo IX ’22), while slightly lower prices in Larnaca €1,549 /m2 (numbeo IX ’22), Paphos €1,422 /m2 (numbeo IX ’22), Nicosia €1,805 /m2 (numbeo IX ’22).
In terms of return on investment, according to Deloitte you can expect at least 5% (RICS, Deloitte analysis ’21), the numbeo portal, on the other hand, estimates an average growth of 8% in 2022. It all depends on whether your property is located in an attractive tourist destination.
Taxes and other fees when buying property in Cyprus
When buying a house or flat in Cyprus, in addition to the cost of the property itself, you must add the funds needed to pay certain taxes and fees. Here you must first of all take into account the property transfer tax amounting, depending on the value of the property, to between 3% and 8%, as well as VAT. The standard rate of the latter is 19%, but when you buy your first property in Cyprus (and after fulfilling certain conditions) you can apply for a reduced rate of 5%. On top of this, there are other smaller charges such as stamp duty or lawyer’s fees (if you choose).
You can also apply for a mortgage from a Cyprus bank. Its amount depends on the policy of the institution concerned. Some of the larger developers also provide a kind of developer ‘loan’.
Summary
Why buy property in Cyprus?
The experience of the pandemic and recent events across our eastern border has made us change the way we invest and place our savings. When deciding to buy property abroad, we are no longer looking solely for profit, but for a place that can be our springboard or even a second home. On Aphrodite’s Island you will find both. Let’s summarise the benefits of investing in property in Cyprus.
1. Cyprus is a developing country and the rate of development is believed to be the fastest in the Middle East. The economy relies heavily on tourism and the government pledges further investment in this sector to attract new visitors. This creates interesting prospects for property owners who wish to make money from tourist rentals. 2. the property market in Cyprus is diversified, with a rich offer and a high proportion of luxury properties, which are more resilient to any crisis. 3. Attractive property prices in Cyprus compared to Poland, 5-8% return on investment and attractive regulations favour the profitability of the investment. What’s more, house and flat prices are on an upward trend, so your property will increase in value over time.
4 Cyprus has a high percentage of foreigners living here, over 22%. With the apparent trend of companies relocating to Cyprus, this number continues to grow. English is very common here and the atmosphere is cosmopolitan. 5. If you decide to buy a property in Cyprus in a location popular with tourists and then on a (most profitable) holiday rental, you can earn additional income. 6. a number of factors such as its convenient location, international connections, including low-cost airlines flying from Poland, moderate year-round climate and high sunlight conducive to a good mood, picturesque terrain or varied Mediterranean cuisine, as well as a high level of security make Cyprus an ideal place for your second home. 7. By investing in property in Cyprus you are also protecting your capital against galloping inflation.
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