Willing to buy a property in Bulgaria, but not able to travel? “You’re not taking each other for granted. And now, British expats are faced with the uncertainty caused by Brexit, the United Kingdom’s exit from the European Union on 31 January 2020. EURACTIV MEDIA NETWORK BV. It should be read together with the How to buy property abroad guide. Following me renobsting my house the community ate now making improvement to their own properties. British nationals who have resided legally in Bulgaria for a period of five years on the basis of holding a consecutive long-term residence permit are entitled to a permanent residence permit. The biggest problem may be health care. If the value of the property is less than the total debt outstanding (you are in negative equity), the bank may pursue your other assets to recover the mortgage shortfall using a European Enforcement Order. If you have a complaint against a notary public, this should be directed to the Notary Chamber of Bulgaria. If your lawyer is based in Bulgaria, check that he/she is registered and practicing with the Bulgarian Bar Association by asking for their registration number and verifying this through the Bulgarian Bar Registers. Privacy Policy Already Lord Byron & friends owned homes across Europe. With Brexit happening today we would like to say that we are not stepping back from our duty of helping our British clients buy the best property in their favourite Bulgarian beach or ski resorts, or in our beautiful villages which they have always loved. Complaints should be in writing and in Bulgarian. It is not an uncommon practice for foreign owners to be offered a different management contract compared to Bulgarian nationals. | Bulgaria may not be associated with hordes of British expats but it is estimated that some 18,000 British people have moved to live in Bulgaria, many to take advantage of the lower cost of housing and living. The existing rules, agreements, and arrangements between Bulgaria and the UK will change after Brexit. That is just 18,166 sales. If you believe your lawyer has been negligent and has not met their obligations, you should complain to the regional bar association with which they are registered or to the Supreme Bar Council. From day 1 BULGARIAN PROPERTIES have been specially dedicated to serving British buyers. Under the Bulgarian Condominium Act all expenses for the management and maintenance of the common parts under the condominium ownership arrangement should be equally shared by owners, users and residents. The most important documents are: It is not advisable to buy off-plan development for which no construction permit is granted. A quaint village street in the Gabrovo province of Bulgaria. Contact us. If for any reason you cannot keep up the mortgage repayments, you should speak to your bank immediately (before defaulting on repayments) to discuss the options available. Here our neighbours all talk to us. “We don’t know if we will be covered by the system we’ve paid into all our lives or have to move to private insurance,” Sue adds. We are seeing record-breaking interest in our journalism as our pageviews have doubled in the last year. Pool View 2 … Pointing to the sweeping view of the countryside from their garden, she says: “how much would you pay in the UK for that?”. If you visit these countries, visits to other EU countries will not count towards the 90-day total.” (Cadastre - an official public register showing details of ownership of the real property in a district, including boundaries and tax assessments). For example if you have a property here in Bulgaria and you were marketing it for say 20,000 Euros a few months ago in the hope of getting say £15,300 in your UK bank account after a sale (using a rate of 1:3 Euros to the pound as it was a couple of months ago), you can now still achieve the same sterling value by dropping your asking price to 17,700 Euros (1.16 Euros to the pound). Boasting a well developed ski resort and exceptional natural beauty, investors have been buying ski chalets in Pamporovo and apartments in Pamporovo in increasing numbers! The top five locations in Spain for buyers a… Make sure you fully understand the mortgage agreement you sign. There are usually two property taxes to be paid: property tax and garbage collection, which are paid at the local municipality. You can find a list of accredited translators and interpreters in Bulgaria on the Bulgarian Ministry for Foreign Affairs website. It provides some information on its website in English. Make sure you have seen the following documents: On completion, the public deed should reflect an accurate description of the property. This gives them a certificate known as S1, which entitles them to state healthcare paid for by the UK. About My Listings. The General Meeting of the owners or the Owners Association establishes and maintains a Repairs and Renovations Fund. A full list of the bar associations around Bulgaria can be found on the website of the Bulgarian Bar Registers. So far, the Darleys have followed the recommendations of the UK and Bulgarian governments: updating their Bulgarian ID cards – known as lichna karta –  obtaining ten-year residency permits and Bulgarian driving licenses. Find out about notarial and documentary services for UK nationals in Bulgaria. If you are considering buying a property in Spain and you are concerned about Brexit, you may find our article on Buying Property in Spain after Brexit interesting. If you appoint a UK firm, check that they are registered with the Law Society in the UK and are specialised in International Transactions. This information should not be behind a paywall, and we remain committed to providing our content for free. We have amended the information on buying land following the lifting of restrictions on buying Bulgarian land by EU nationals as of January 2014. Buying up property at prices which are less than a quarter of the equivalent in the UK at higher rates than the locals can afford pushes up prices and creates discontent. In some EU countries, EU citizens are charged smaller deposits for house purchases than non-EU citizens. Beynon and Sue Darley, in their home in the village of Radyuvene, near the city of Lovech. You should ensure that the property and land description contained in both records matches the Use Permit (Act 16) which is issued by the Town Hall for new buildings or restructured ones and certifies that the property is habitable. But while they are critical of the UK’s Settled Status scheme which has been offered to EU nationals in Britain, there has been no ‘hostile environment’ for them here. It is advisable for the payment for the purchase of off plan property to be made in instalments each of which is made after the completion of the relevant construction stage and obtaining of a statutory certification document. It depends. The village of Radyuvene is a far cry from the hustle and bustle of UK urban life. A short face to face video about how Brexit will most likely affect buying property in Bulgaria and how it might affect obtaining residency. Mix with them. We know our readers value our reporting, and the outpouring of support we have received since the beginning of the crisis shows that our readers are willing to step up for the journalism that they trust and value. | Let’s take a look at those looking to buy property overseas. As the purchaser, you have the right to choose which notary you use. House for sale near Vidin (ID: 10856) District: Vidin The following property is located in north-western Bulgaria, in the vicinity to the Serbian border and the town of Vidin. Check how the new Brexit rules affect you. The Chartered Surveyors Chamber has contacts for all registered chartered surveyors. I guess that was also nasty and evil, depriving the “indigenous Residents of their own property values”? Should the developer not build your property within the timeframe stated in the contract, or services and utilities are not completed and connected to standard, or the habitation certificate cannot be issued, you are legally entitled to either: If you want to rescind the contract, it is advisable to seek independent legal advice. If you are considering buying off-plan in Bulgaria there are a number of points to consider. “In the event of a complete no-deal breakdown, we will have to re-register but will keep the rights we have acquired,” says Beynon. This must stop as it deprives Bulgarian People and the indigenous Residents their own property values. | The Bulgarian Ombudsman is responsible for defending the fundamental rights and civil liberties of citizens by monitoring the activity of public authorities. A Bulgarian notary public will be involved in preparing the contract of sale and issuing the public deeds. You must ensure that you declare your rental income to the Bulgarian tax authorities whether you are resident in Bulgaria or not. The Cadastral record will be linked to the Land Register record by a cadastral reference which will be included in both. British nationals wishing to obtain any further information must contact the relevant local authority. If buying an apartment in a block of flats or a closed residential complex, investors are usually required to sign a secondary contract relating to the management of the condominium, e.g. This article is part of our special report Status Anxiety. However, it is worth seeking professional advice to make sure that you are complying with Bulgarian legislation and that you are using the correct rental contract. help us innovate for the future. provides continuous support for our work enabling us to innovate. Advice for British people buying property in Bulgaria, including information on legal advice, fraud, residence requirements and more. Sofia is Europe’s 15 th largest city with 1.25 million people and 607,000 homes, but just 3% of these were sold in 2012. Email agent . This can be viewed at the town planning department of the local Town Hall, you have carried out a property survey. The NHS has to put signs in all their differerent dialects. Movement is less common and less affordable. The regulations on letting tourist apartments and holiday homes to tourists will vary depending on the region where the property is located. If you wish to discuss the matter we are pleased to offer a free initial consultation. Please note that only the Bulgarian version of the contract is valid in a Bulgarian court. The FCDO and the British embassy will not be liable for any inaccuracies in this information. Confirm that there is an architectural plan for the property approved by the local municipality. The Darleys made their decision to move to the village, not far from the city of Lovech, during their third visit to Bulgaria. We are unable to provide any guidance on individual property purchases apart from the information and links listed below. “We are able to live out here in Bulgaria on a standard pension – you couldn’t even have a basic standard of living in the UK with that,” says Sue. planning permission/Visa for design (виза за проектиране) – it entitles the developer to prepare architectural design and construction plans for the development in accordance with certain statutory parameters for height of the building, density of the construction, layout of the building, etc, construction permit (разрешение за строеж) – it entitles the developer to start construction process as per the approved architectural, construction and other technical plans for the property, opening of construction site and determining of construction line and level (Protocol for commencing of construction), certificate for completion and approval of rough construction (Act 14), certificate acknowledging the compliance of the construction with the statutory rules (Act 15), rescind the contract and have the deposits returned plus interest, or extend the deadline, allowing the developer to complete the property. If you do not have a good understanding of Bulgarian, make sure that you get all contracts and relevant documentation translated by an independent translator. I became the ethnic minority in my own country not understanding my co workers speaking to me. We use cookies to collect information about how you use GOV.UK. The EU could require UK citizens to apply for a visa in order to visit a country within the EU, which for holiday home owners would mean more intrusive questions about how long you were going to stay, your income and health cover. With the UK potentially just a couple of weeks away from leaving the EU, the Darleys are bracing themselves for “chaos”, even if they say that the Bulgarian government has promised the situation of UK expats won’t change. First came the credit crunch of 2007/08, when property became a less certain bet and some found themselves in negative equity. You can contact us by telephone on 020 3478 1420, by email at The average property search budget hasn't really changed in a year – it was previously £124,313 and is now £128,231. Both have pre-existing medical conditions that could make private health insurance complicated and costly. You should pay extra care and ask your legal adviser to check the property management contract carefully as sometimes there may be exorbitant costs attached to it. Check with the Land Registry to make sure the land which is going to be built on is registered to the developer you are doing business with. “Particularly since this Brexit business has been around,” adds Beynon. Brief information on taxation is provided within the Living in Bulgaria guide. You can get around the problem of buying land by forming a company, as it was up to a few years ago. It is only if you are moving permanently that new rules will apply. Bulgarian Properties on and close to Black Sea coast, houses in ski resorts, houses in and around Sofia, in mountains, rural properties in Bulgarian countryside, smallholding, etc.. 02.2015 - Bulgarian Properties iPhone app now available to download from the App Store You know the cadastral value of the property and how much purchase tax will be due. Company Registration Fee. We need your support.Dear reader. ‘Independent’ in this regards means that they will work on your behalf only and are not also looking after the interests of the agent or developer. The Bulgarian property conveyance system is different to the UK system so you should ensure that those involved in the transaction are qualified and experienced in Bulgaria. Help us to continue providing free, independent news from the capitals of Europe. After buying a property in Bulgaria its owner must start paying annual property taxes. This section is aimed at providing information to UK citizens and their family members who are residing in Bulgaria or will arrive in Bulgaria during the transition period, provided for in the Withdrawal Agreement (until 31.12.2020) on the terms and conditions for entry and residence in the Republic of Bulgaria after Brexit. It is advisable that you register the property in your name with the Land Registry as soon as possible to ensure full protection of your rights. Now more than ever we need unbiased, expert information on how and why the European Union functions. If you started the Italian property transfer process based on a separation or divorce it might be time to speed things up and complete the process by 31 December 2020 in order to take advantage of the exemption above. This rural real estate is situated in a small and quiet village included in Makresh municipality, Vidin district. OK Bulgaria - UK based and operated Estate Agency. Be aware that tax is charged on the council’s evaluation of the property as opposed to the amount of the sale. Expat forums and talking to local residents including other British nationals who have already made the move can really give you a feel for an area and give you the inside track on any local problems. The notary can even send advance notification to the Land Registry once the public deed is signed. While a slower market could theoretically allow buyers to negotiate a better deal, fewer listings can mean greater competition for the highest quality and most sought-after homes. The UK government states: “Different rules will apply to Bulgaria, Croatia, Cyprus and Romania. Pets. If you have any doubts about the terms and conditions, ask the lender to clarify. I think that’s brilliant,” says Sue. FEATURED PROPERTY 45. Efficacité et Transparence des Acteurs Européens 1999-2018. In the UK, buying and selling property happens pretty sharpish. It is also advisable to obtain a certificate regarding the planning situation of the plot you wish to buy from the Town Planning department of the Town Hall. “We’re very happy here and there doesn’t seem to be an overwhelming reason to go back.”. This information is provided as a general guide and is based upon information provided to the embassy by the relevant local authorities and may be subject to change at any time with little or no notice. Despite the uncertainty facing them, the Darleys have no plans to return to the UK, where they say Brexit has “divided families”. If you cannot keep up the mortgage repayments, the Bulgarian bank could repossess your property in Bulgaria. Since 1 January 2012 all EU and EEA (European Economic Area) citizens are allowed to buy land in Bulgaria. This is not obligatory but it is wise to obtain a professional opinion on the property before you complete. [Georgi Gotev], Comments Print Email Facebook Twitter LinkedIn WhatsApp. Buying up property at prices which are less than a quarter of the equivalent in the UK at higher rates than the locals can afford pushes up prices and creates discontent. The Limited Company is not required to trade, it is . Should your theory not also apply to them. If you have a complaint about the way a court has handled your case, you can present a complaint to the Supreme Administrative Court in Bulgaria or to the Supreme Judicial Council. in Bulgaria, property taxes are low and living costs are around half those in the UK. It features links to official resources containing major Brexit information. For further information and feedback, please contact your local Migration office or call +359 (2) 982 4808, email: migration@mvr.bg. If … Make sure you obtain a copy of the Cadastral certificate giving the exact boundaries and square metres of your land. With the UK having left the European Union, some new rules will apply to British people moving to France and other EU countries. Another way that those looking to buy in Europe are likely to suffer from Brexit is with regards to house deposits. Please consider making a recurring, PM Costa: Blocking EU-China deal because of the US would be a ‘terrible sign’, Status Anxiety. Ensure that the developer/constructor has the necessary insurance to cover any build defects. If you are planning to buy an apartment which is part of a residential block, you should also check whether there are any rules set by the committee of owners that prohibit or restrict short-term letting. List of English-speaking lawyers in Bulgaria. Whilst this is not obligatory, it is wise to get a chartered surveyor (независим оценител) to check the property. There are a range of mortgages on offer and you should pay special attention to the interest rate and repayment period, fees for setting up the mortgage as well as early repayment and cancellation fees. We help each other. We are more confident than ever in our role bridging media, policy, and the public. You can change your cookie settings at any time. The 6 million people at the heart of Brexit, Life in Bulgaria, after Brexit – a ‘no-brainer’ for expats. Brexit has brought a cloud of uncertainty for Britons hoping to buy in Europe in 2021, but demand for holiday homes is still rocketing in the wake of coronavirus. Taxation is a complex issue, and it is advisable to seek the advice of an accountant or professional tax adviser with comprehensive and up to date knowledge of both the UK and Bulgarian tax regulations. Before Bulgaria joined the EU, foreign citizens were required to have a Bulgarian Limited Company to own land; after. If the property is built on rural land or land that is not classified for construction, additional confirmation should be sought from the regional government offices as to whether they have authorised the construction, you have checked the latest town plan to see whether or not the plot you wish to buy has any building restrictions, is in a green zone or includes a public pathway or similar. The North Western Europeans have done this for decades as we see in France Spain Portugal (Madeira is an example here as well) and Italy and others and it wears thin. If you are planning on making a return by renting out your property on a short-term basis, it is best to seek independent legal advice and check what the rules are at the local town hall or the tourist department of the regional government before you buy. Brexit: your property questions answered I’m a first-time buyer. Consider asking a chartered surveyor to check the property. The Bulgarian police should deal with all fraud allegations once they are brought to their attention. You should check that your UK and/or Bulgarian lawyer has professional indemnity insurance. You should also make sure that your contract has the same terms and conditions as for all other owners. At the same time, readers support in the form of, recurring monthly financial contributions. simply a requirement for owning land for non EU citizens. 03339 397829 Local call rate. It is strongly advisable to ensure that you have a copy of an affirmation stating that the previous owner has no debts, the title deed – it is important to check that there is an accurate description of the property in the deeds. If you believe you have been a victim of fraud and you have neither a bank guarantee nor an insurance policy from the developer, you should seek independent legal advice regarding taking criminal legal action through the courts and register a statement with the police. The fact that there will be access to healthcare, whether we are in the European Union or not, has been announced since our last index. Before signing a preliminary contract, check exactly what fees are payable and how much they are, and have these confirmed in writing. Terms and Conditions In November 2012 the Bulgarian government launched the Property in Bulgaria website, containing useful first-hand information on buying and selling property in Bulgaria and on property maintenance and the different fees and taxes involved. It will take only 2 minutes to fill in. a paid-up receipt for the previous owner’s annual property tax . A full list of registered notaries public in Bulgaria can be found here. We use this information to make the website work as well as possible and improve government services. “They are guaranteeing our pension upgrading for three years but after that we don’t know if it will be frozen.”, There is also uncertainty about how and whether their healthcare status will be affected. The safeguards that you may be familiar with or rely on in the UK may not exist in Bulgaria. They bought their house from a Roma family and re-located permanently in 2015. Don’t include personal or financial information like your National Insurance number or credit card details. Check that they are registered with the Law Society in the UK and specialise in International Transactions. Please consider making a recurring contribution to EURACTIV Media Network for Europe. Marketed by IBG Real Estates, Ruse. Ensure that the developer/constructor has the necessary insurance to cover build defects. In practice, a usual transaction for buying off plan development has two stages: the signing of preliminary contract; and the signing of public deed before a Bulgarian Notary (Notary deed). “The impact we’re worried about is on the uprating of our pension,” says Sue. These “so-called” residents of the Uk living their new-found lives in Bulgaria should be compelled to learn the language as a starter and then after competence – two years – be given a temporary residence just like that which the UK is doing. Sunny Beach, Burgas. It is also wise to get a certificate from the town hall proving that there are no unpaid taxes from previous years, the Cadastral certificate giving the exact boundaries and square metres of your land. Brexit this requirement is expected to be reapplied to UK citizens. You may want to consider hiring a Bulgarian letting agent to assist with finding tenants, drawing up rental contracts and managing the property on your behalf. 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