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Loan purpose

Purchase, re-mortgage or equity release on residential property or land with planning permission in Bulgaria

Interest rate

Fixed margin of 3.45% above variable ECB base rate. 3.7% fixed margin above ECB base rate for interest only option



Maximum LTV (based on lower of the valuation or purchase price)

75% for loans €100,000 +
70% for loans €40,000 to €99,999
60% loans on land only


 5 to 25 years

Minimum loan amount

25,000 Euros

Maximum loan amount

No upper limit

Rental income

Up to 20% of rental income may be taken into account on the property to be mortgaged when assessing status

Minimum age


Maximum age

65 on maturity of the loan

Maximum applicants


Married applicants

In Bulgaria married buyers own the property jointly, therefore the property purchase (and therefore the mortgage application) should be in joint names


UK or Irish nationals
Expatriates retaining UK banking facilities

Repayment method

Capital & interest

Interest only option

For first year

Limited company purchase

Optional, these should be non trading, formed solely for the purpose of this transaction

Loan security

First charge on residential property / land in Bulgaria

Building insurance

Via lender's nominated insurers.

Life insurance

Recommended, not mandatory

Application fee

£395 per application.

Arrangement fee

1% of loan amount for individuals and 1.5% for Company loans (minimum £500) on successful Application

Valuation fee

Payable by applicant

Legal fees

Applicant is responsible for instructing a Bulgarian lawyer and all fees in this regard. In addition applicants are responsible for the Bank’s legal costs

Early repayment fee

3% in year 1, 2% in year 2








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