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Mortgages for Bulgarian Property

Several lenders are now offering mortgages for Bulgarian property, and getting a Bulgarian mortgage really couldn't be easier. Pride Property Services work with some of the biggest lenders in Bulgaria and the UK to offer a choice of mortgages with the best rates available for Bulgarian properties.

A common misconception is that Bulgarian mortgages are only available for purchase of completed buildings, but the market has matured and it is now possible to arrange finance for everything from an off-plan apartment, sea-view villa, rural village house in the countryside, building plot or even a hotel.

For further information about Bulgarian mortgages, please contact us advising the amount you wish to borrow and the type of property you are interested in.

The documents you will need to submit vary from lender to lender, but as a rule, you will have to supply at least the following:

Copy of passport and proof of permanent address
Certificate of marital status (wedding or divorce certificate) if applicable
Bank statements from the last 6 months
Pay slips from the last 3 months and a referral letter from your employer
Referral letter from your bank
Two most recent P 60 tax declarations

Self employed applicants will also be required to supply copies of their most recent tax return. Documents will need to be legalized according to your country's official procedure but this is easy and we will explain to you what needs to be done.

We will also provide the lender with copies of the property documents needed for the Bulgarian home loan or mortgage, which are typically as follows:

Title deeds
Preliminary contract
Document showing the taxation value of the property
Certificate showing the property is free of any encumbrances

Additional documents may be required, depending on which lender you choose. Again, we will always provide as much assistance as possible to make things easy for you!