About the Agency

FAKTOR is a real estate agency in Odesa. We have been working since 2016, and the core of the work has not changed: people come not for a list of flats but for a decision they will not have to redo. The catalogue currently holds 6 941 listings.

What we do besides showing flats

Showing is the easy part and anyone can do it. The hard part comes before and after. Before: checking the documents, the title, encumbrances, co-owner consents, and for a new build the construction permit and the sales scheme. After: seeing the deal through to registration, settling payments through the notary, and making sure the agreement with the seller reaches the contract without quiet changes.

The second part of the work, invisible in listings, is access. We see the stock of every developer in the city in one list rather than a single building, as a sales office does. That turns comparing two quarters into an evening rather than a month of trips.

Why an agency costs less rather than more

The common assumption is that a buyer pays a commission and therefore overpays. In a new build that is simply untrue: the developer price is the same whether you buy directly or through us, and the developer pays the commission. On the secondary market the commission is usually paid by the selling side.

Where money is actually saved looks different. Bargaining backed by data on how long a flat has been on sale and how often the price changed. The choice of bank for the programme, because the rate is fixed while the down payment and the list of accredited buildings are not. And walking away from a property where the risk outweighs the gain, which is a saving that never shows on an invoice.

State programmes: we calculate rather than paraphrase

The eOselia programme gives 3 or 7 per cent for the first ten years depending on the borrower category. Both periods need counting, because the rate rises from year eleven, and so does the area norm, which is the most common reason for refusal. The terms as at 31 July 2026 are covered in the article on programme terms.

The practical work is this: we check your category and the area norm before you go to a bank, select buildings accredited at your bank, and say plainly when the programme does not fit you. That last case is more frequent than anyone would like, and the first day is a better time to learn it than the third month.

What property in Odesa costs now

A square metre in new builds is 1 541 $ and 1 432 $ on the secondary market. The gap between districts exceeds one and a half times, and that is the main thing deciding what your budget can buy.

The monthly district price report updates automatically and sits on the prices page. It shows the level of each district rather than a city average.

What people usually come to us with

A first purchase on a limited budget, where the point is not to overpay for an address and not to buy something that cannot be resold. A buy to let, where liquidity decides rather than layout. A family move, where schools, nurseries and the state of the courtyard matter more than the floor. An investment in a new build at the construction stage, where what gets checked is the developer rather than the flat, because the flat does not exist yet.

Separately, people come with a problem: a deal has stalled, documents do not match, a seller has changed their mind. That is our work too, and it starts with reading the documents rather than listening to an account of them.

How we work on a property

First a conversation about what is actually needed, because a request for a two room flat in Prymorskyi usually means something else: a budget, an area and a deadline. Then a search across the whole city database rather than our own stock. Then viewings, where the agent also names the drawbacks, because hidden drawbacks surface after the deposit.

Then the lawyer checks the documents, then the notarial deal, then registration. At every step you know what is happening and what to expect, because opacity in this work costs the client money rather than the agency.

What we do not do

We do not take on a property whose documents do not add up: such a deal either fails or completes and falls apart a year later. We do not promise a price the market does not offer in order to win an instruction: a seller with inflated expectations spends six months and then sells below what the price was on day one.

And we do not talk anyone into the programme when their category or the area norm does not fit. A bank refusal two months later costs more than an uncomfortable conversation on the first day.

Not only flats

The database also holds houses, land and commercial property. Commercial purchases follow a different logic: what is counted is yield and footfall rather than the price per metre, and what is checked ranges from permitted use to whether that use can be changed. If you are looking for premises for a business, say which business: the requirements for a cafe and for an office barely overlap.

What to put in a first message

Three things, and that is enough for a first selection: the budget, with a note on whether that is the whole sum or a sum with the programme; the district or districts; and the date by which you need to move in. The number of rooms and the floor can be settled in conversation, while the budget and the deadline change the whole selection.

If you do not know whether you qualify for eOselia, write your family composition and where you work. That is checked within a day, and after it the numbers to look at become clear.