investments – SOUTH Cyprus

South Cyprus – Your investment in sun, peace and profit

Luxury apartments and villas in South Cyprus - close to beaches, mountains and in the heart of the Mediterranean climate

Safe capital investment
in Southern Cyprus

Invest in real estate in a stable EU region – Southern Cyprus combines security with high growth potential.

An investment that
brings profits

Dynamic market growth translates into stable value growth, high rental interest and safe capital protection.

Luxury and comfort in every
location

Exclusive properties – from seaside apartments to villa estates in picturesque surroundings, ideal for living and investing.

AVERAGE ANNUAL RATE
RENTAL RETURN
AVERAGE HEIGHT
PROPERTY VALUES
INCREASE IN PRICES
APARTMENT RENTAL
AVERAGE ANNUAL RATE
RENTAL RETURN
AVERAGE HEIGHT
PROPERTY VALUES
INCREASE IN PRICES
APARTMENT RENTAL
The impressive lighthouse in Paphos, Cyprus, against a vibrant blue sky and green landscape

Why is it worth investing in Southern Cyprus?

Take advantage of a dynamically developing market and a stable economy in the heart of the Mediterranean.

Discover current trends and investment opportunities in Southern Cyprus on our blog!

CHECK OUT THE BLOG ARTICLES
Spectacular view of the historic Paphos Castle in Cyprus during sunset with its historical architecture

Stable and growing market
real estate

Southern Cyprus boasts a stable real estate market that has seen consistent growth in value over the years. Investors appreciate the predictability and attractive return on investment prospects in popular locations.

The historic Saint Lazarus Church in Larnaca, Cyprus, under a clear blue sky with its distinctive architecture

Attractive location on the
Mediterranean Sea

The location of Southern Cyprus provides not only beautiful beaches and a mild climate, but also convenient transport links to Europe and the Middle East, which increases the attractiveness of the property for both residents and tourists.

Picturesque sunset view over the sea and coastline in Paphos, Cyprus

Friendly recipes for
foreign investors

Southern Cyprus offers favorable legal and tax regulations for foreign investors, facilitating the purchase of real estate and minimizing formalities, which makes this market very friendly and easily accessible to investors from various countries.

Spectacular aerial view of contemporary buildings in Limassol, Cyprus, with a unique oval structure on the seafront

High quality of life and
infrastructure

Investments in modern estates with access to full infrastructure – from shops, through schools, to medical centers – make Southern Cyprus an ideal place to live and rent long-term .

The picturesque golden sand beach in Larnaca, Cyprus, with its historic fort and blue skies

Tourism as a demand driver
for rent

Southern Cyprus is a popular tourist destination with a growing number of visitors year-round . This allows property owners to count on stable income from short- and long-term rentals .

Spectacular aerial view of the Limassol Marina in Cyprus, with yachts and the city skyline bathed in golden light

Dynamic development of the sector
luxury real estate

Southern Cyprus is attracting investors seeking exclusive properties . Modern apartments and villas with high-end amenities are being built, adding value to the premium market .

Stable and growing
real estate market

Spectacular view of the historic Paphos Castle in Cyprus during sunset with its historical architecture

Southern Cyprus boasts a stable real estate market that has seen consistent growth in value over the years. Investors appreciate the predictability and attractive return on investment prospects in popular locations.

Attractive location on the
Mediterranean Sea

The historic Saint Lazarus Church in Larnaca, Cyprus, under a clear blue sky with its distinctive architecture

The location of Southern Cyprus provides not only beautiful beaches and a mild climate, but also convenient transport links to Europe and the Middle East, which increases the attractiveness of the property for both residents and tourists.

Friendly recipes for
foreign investors

Picturesque sunset view over the sea and coastline in Paphos, Cyprus

Southern Cyprus offers favorable legal and tax regulations for foreign investors, facilitating the purchase of real estate and minimizing formalities, which makes this market very friendly and easily accessible to investors from various countries.

High quality of life and
infrastructure

Spectacular aerial view of contemporary buildings in Limassol, Cyprus, with a unique oval structure on the seafront

Investments in modern estates with access to full infrastructure – from shops, through schools, to medical centers – make Southern Cyprus an ideal place to live and rent long-term .

Tourism as a demand driver
for rent

The picturesque golden sand beach in Larnaca, Cyprus, with its historic fort and blue skies

Southern Cyprus is a popular tourist destination with a growing number of visitors year-round . This allows property owners to count on stable income from short- and long-term rentals .

Dynamic development of the sector
luxury real estate

Spectacular aerial view of the Limassol Marina in Cyprus, with yachts and the city skyline bathed in golden light

Southern Cyprus is attracting investors seeking exclusive properties . Modern apartments and villas with high-end amenities are being built, adding value to the premium market .

Investments – Southern Cyprus

Our offers

We offer a wide selection of properties – from modern apartments in prestigious developments with full facilities, to peacefully located villas ideal for living away from the hustle and bustle.
Elegant living room with large terrace and panoramic sea views in spacious apartment in South Cyprus
Contact us to discover the full range of available options tailored specifically to your expectations.
Contact usMake an appointment online

Learn more about foreign markets and investment opportunities in our newsletter!

A modern apartment complex with a swimming pool and sun loungers in South Cyprus, surrounded by greenery and blue skies.
Elegant bedroom with panoramic windows and sea views in a luxury apartment in South Cyprus
Investments – Southern Cyprus

Our offers

We offer a wide selection of properties – from modern apartments in prestigious developments with full facilities, to peacefully located villas ideal for living away from the hustle and bustle.
Elegant living room with large terrace and panoramic sea views in spacious apartment in South Cyprus
Contact us to discover the full range of available options tailored specifically to your expectations.
Contact usMake an appointment online
Elegant bedroom with panoramic windows and sea views in a luxury apartment in South Cyprus

Learn more about foreign markets and investment opportunities in our newsletter!

A modern apartment complex with a swimming pool and sun loungers in South Cyprus, surrounded by greenery and blue skies.

Browse our catalog and learn about some of the investments we offer.

PL

Luxury properties in Cyprus overlooking turquoise beaches and the Mediterranean Sea, investment opportunities in Cypriot dream homes on white sandy beaches. Velora Estate offers exclusive properties in Cyprus with access to the island's most beautiful beaches, ideal investments in the Cypriot seaside lifestyle for clients seeking luxury holiday homes in Cyprus.

ENGLISH

Cypriot lifestyle by the turquoise sea and white sandy beach, promoting luxury properties and dream homes in Cyprus. Investments in Cypriot real estate on the most beautiful beaches of the Mediterranean Sea, investment opportunities in exclusive holiday homes in Cyprus with direct access to crystal-clear waters and a Mediterranean climate with Velora Estate.

basic information about southern cyprus

I Introduction to the region and basic information

Southern Cyprus, officially known as the Republic of Cyprus , is a full member of the European Union and has been attracting investors from around the world for years. Thanks to its stable economy, favorable tax system, and transparent legal procedures, it is an attractive destination for both those seeking a second home in a Mediterranean climate and those seeking to multiply their capital through the real estate market.
The region offers modern infrastructure, a high standard of living, and direct flights to many European cities. Numerous development projects—from luxury apartments in Limassol to tranquil villas near Paphos—ensure that every investor will find something to suit their needs.

Absolutely. The Republic of Cyprus has long enjoyed a reputation as one of the safest countries in Europe, with a very low crime rate and a stable political scene. As an EU member, Cyprus operates in accordance with European legal and economic standards, which builds confidence among foreign investors.
Additionally, the Cypriot government actively supports the real estate sector and foreign investment through numerous incentives and simplified procedures. Market transparency and the professional approach of local real estate agencies increase transaction security.

Southern Cyprus has a legal system based on British common law , with a strong influence from EU law. This ensures a high level of legal protection, clear regulations, and secure transactions – especially important for first-time buyers abroad.
It is also worth mentioning the simplified process of purchasing real estate by foreigners – especially EU citizens – and the existence of the land and mortgage register, which allows for a thorough check of the legal status of a plot of land or premises before making a purchase.

II. Logistics and practical aspects of visiting

Southern Cyprus is exceptionally well connected to Poland. Direct flights from Warsaw, Krakow, Katowice, Gdansk, and Wroclaw are available seasonally throughout most of the year, landing primarily at two international airports – Larnaca and Paphos .
Flights take approximately 3.5–4 hours, and after landing, travel time to most popular resorts and investment locations is 15–60 minutes. There are numerous companies offering airport transfers, car rentals, and private transportation options, allowing you to conveniently reach your chosen destination or investment presentation.

Absolutely, especially if you plan to explore the island on your own. Driving on the left side of the road in Cyprus can take some getting used to, but the roads are well-marked and the infrastructure is excellent.
Most rental companies accept Polish driving licenses (in European format), and bookings can be made online in advance or directly upon arrival. Renting a car gives you complete freedom to travel between cities like Limassol, Nicosia, Paphos, and Ayia Napa , as well as to reach less touristy, charming villages in the Troodos Mountains.

The currency used throughout the Republic of Cyprus is the euro (EUR) . Everyday purchases, investment transactions, and notary fees are all settled in this currency.
Thanks to Cyprus's membership in the eurozone, tourists and investors from EU countries don't have to worry about additional currency conversion fees. ATMs, payment terminals, and currency exchange offices are readily available in cities and resorts, and many transactions can be made with debit and credit cards.

Yes, opening a bank account in Southern Cyprus is open to both residents and non-Cypriots. Banks typically require basic documents, such as:
passport or ID card,
proof of address (e.g. utility bill),
and sometimes confirmation of the source of income.
Many banks offer customer service in English, and some also in Russian or German. Having a local account makes it much easier to make payments related to property purchases, utility bills, or rent payments.
For clients using investment or advisory services, it is often also possible to benefit from assistance in completing banking formalities – which minimizes time and formalities for the investor.

III. Formal aspects of purchasing real estate

Buying real estate in Southern Cyprus is fully protected by law, in line with European Union standards. The legal system, based on common law (British law), ensures a high level of transparency and security in every transaction.
Each property is assigned a unique title deed , which is registered in the Land Registry maintained by the Cypriot Land Office. This means that the investor acquires full, independent ownership (freehold) that can be freely transferred, inherited, or disposed of. Additional security for buyers is provided by mandatory notarial procedures and the option to appoint a lawyer as a representative during the purchase process.

The real estate purchasing process is relatively simple and requires minimal formalities. To proceed with the transaction, the buyer should prepare:
passport or ID card (for EU citizens),
tax identification number (obtained locally – the so-called Tax Identification Code ),
residential address (e.g. utility bill as confirmation),
in case of purchase by a company – registration documents and powers of attorney.
All documents should be translated into English if they are issued in another language. In practice, most law firms and brokerage agencies offer assistance in completing and translating documentation.

Reputable agencies working with foreign investors – including our partners – only offer properties that have been legally vetted . Each development project is reviewed by local lawyers, including property titles, building permits, compliance with zoning plans, and any mortgages.
This allows clients to make safe investments in verified locations and properties with full legal documentation.

 The purchasing process is clearly defined and consists of the following stages:
1. Property selection – based on location, standard and budget preferences
2. Signing a reservation agreement – often involves a small security deposit (approx. 2–5%)
3. Hiring a lawyer – to verify the title and prepare documentation
4. Signing the main contract (Contract of Sale) – registered at the land office
5. Payment of the purchase price – in one lump sum or in installments, depending on the construction progress
6. Registration of the contract at the land office – protects the buyer's rights before the title is entered
7. Handover of the property and collection of keys – after settlement of payments and notary fees
8. Obtaining title deeds – for completed projects or after construction is completed

IV Financial aspects of investment

In Southern Cyprus, property purchases are primarily conducted in euros (EUR), which is the country's currency. Payments are typically made via bank transfer to the developer or seller's account. Some developers may also accept payments in other currencies, such as the US dollar (USD) or British pound (GBP), upon prior agreement. In modern developments, transactions using cryptocurrencies are also possible, but this depends on individual arrangements with the developer.

Purchasing property in Southern Cyprus involves additional costs that are worth considering when planning your investment budget. The most important include:
– VAT : The standard rate is 19%, however, if you are purchasing your first property for your own use, you can benefit from a reduced rate of 5%.
– Stamp duty : In the case of properties on the secondary market, stamp duty applies, the amount of which depends on the value of the property and ranges from 0.15% to 0.2%.
– Notary and legal fees : Costs associated with the services of a notary and lawyer, typically amounting to around 1-2% of the property value.
– Administrative fees : Costs related to registering real estate with the relevant offices and connecting utilities (electricity, water, internet).
– Maintenance fees : In the case of properties in residential complexes, monthly maintenance fees for common areas must be taken into account, the amount of which depends on the standard and scope of services.

Yes, mortgages are available in Southern Cyprus for foreigners, including Polish citizens. Local banks offer financing of up to 70% of the property value, with repayment terms of up to 25 years. Documents confirming income, financial situation, and creditworthiness are required.
It's worth being aware that the mortgage process can take longer than in Poland and often requires the involvement of a local mortgage advisor or lawyer. Those looking to expedite the process or avoid bank financing may consider purchasing for cash or taking advantage of a payment plan offered by the developer, especially for projects in the early stages of construction.

V Professional support and additional services

In Southern Cyprus, engaging a lawyer is practically essential. The local legal system requires careful analysis of documents and procedures, and a lawyer ensures your interests are fully protected throughout the entire purchase process. They can assist with title verification, drafting contracts, and completing property registration formalities. This ensures the transaction is completed safely and in compliance with local law.

Yes, many real estate agencies and law firms offer full remote support. You can view selected properties online, negotiate, and sign documents remotely, often using a power of attorney. This is a convenient solution for international investors who can't visit the island in person before purchasing.

Southern Cyprus is one of the most popular tourist destinations in the Mediterranean, making short-term rentals very profitable. Owners can count on seasonal income from holiday rentals, as well as stable income from long-term rentals, especially in large cities and seaside resorts. It's worth utilizing professional property management services to maximize profits and minimize paperwork.

Our company provides comprehensive after-sales support. We assist with property registration, advise on tax and administrative matters, and offer property and rental management services. This means you can enjoy peace of mind and complete comfort, whether you plan to use the property yourself or invest in rental properties.

Our locations

  • A picturesque view of the historic stone ruins by the sea in Limassol, Cyprus, under a clear sky.
    LIMASSOL
  • Spectacular view from above of a picturesque alley in Larnaca with colorful rooftops and Mediterranean architecture
    LARNACA
  • The impressive lighthouse in Paphos, Cyprus, against a vibrant blue sky and green landscape
    PAPHOS
  • A charming narrow street in Nicosia, Cyprus, with historic stone buildings in warm shades
    NICOSIA