UNLIMITED · A PRACTICAL BUYER’S GUIDE
Your next home.
A clearer path to buying.
A property purchase starts with your plans, not just a viewing. We take time to understand what matters to you, explain the next steps and coordinate the people involved — so you can make informed decisions with personal support throughout.
Six steps towards your property
Every transaction has its own details. This is a practical starting point; the sequence and timing depend on the property, the documents and any financing.
Define your plans and budget
Tell us how you will use the property, your preferred location and your timing. Consider the full budget, including transaction costs, and discuss financing early if you will need a mortgage.
View, compare and negotiate
We organise a focused selection and accompanied viewings. Together we review the property’s condition, included items and practical suitability, then help negotiate the price and proposed terms.
Review the property before committing
Arrange an independent legal review of ownership, registered rights and encumbrances, and the property’s documentation. For a new development, ask for a review of the construction stage, permits and proposed completion terms.
Agree the contract and payments
Have any reservation or preliminary agreement reviewed before signing or transferring money. Set out the property, price, payment schedule, deadlines, conditions and the consequences if either party does not proceed.
Complete before a notary
The sale is normally completed by a notarial deed before the competent Bulgarian notary and entered in the Property Register. Coordinate the documents, payment arrangements and any mortgage requirements in advance.
Receive the keys and plan what follows
Record the handover, meter readings, keys and agreed inventory. Confirm with your advisers which notifications, registrations and tax obligations apply, and arrange utilities and ongoing care for the property.
Before a deposit, ask the right questions
- Who owns the property and who is authorised to sell it?
- What mortgages, registered claims, rights of use or other restrictions affect it?
- Do the title, cadastral details and actual property match?
- What is the building’s legal status and what documents support its use?
- What exactly is included, and when will vacant possession be delivered?
- When is the deposit refundable, retained or otherwise dealt with under the contract?
A registry search is one part of the review. Your lawyer should assess the documents and risks for the specific transaction.
Plan beyond the asking price
Request a written estimate tailored to the transaction. Your budget may need to cover:
- Local acquisition tax, notarial and registration fees
- Legal advice, translations and any power of attorney
- Agreed agency remuneration and applicable VAT
- Bank, valuation and mortgage costs where relevant
- Repairs, furnishing and ongoing property expenses
Amounts depend on the property, municipality, transaction structure and agreed services. Confirm the applicable taxes and VAT treatment before signing.
Buying as a foreign national
Buildings and land are different
Foreign buyers can generally acquire buildings and limited property rights, subject to legal exceptions. Land ownership requires a separate assessment.
Your status matters
EU/EEA buyers and buyers from other countries are subject to different rules. Citizenship, the type of land and the applicable legal basis must be checked before a commitment.
A company is not automatically required
Do not assume that every foreign buyer needs a Bulgarian company. If a company is appropriate, obtain legal and tax advice; registration is through the Registry Agency’s Commercial Register.
You make the decisions. We help organise the journey.
We help with the property selection, negotiations, communication and practical coordination. We work alongside your chosen lawyer, notary and bank, keeping you informed about the next steps. After the purchase, we can discuss settling in, letting or property management according to your plans.
Questions buyers often ask
Should I pay a reservation deposit immediately?
First understand the written terms, the recipient of the payment, the deadline and the conditions for repayment. Have the agreement reviewed and clarify what checks must be completed before you commit.
Can I buy while I am abroad?
A purchase through a representative may be possible with an appropriate power of attorney. Ask the lawyer and notary to confirm the required wording, certification, translations and documents for your circumstances.
How long will the purchase take?
Timing depends on document readiness, the legal review, the seller’s situation and any financing. We help coordinate a realistic schedule once these are clear.
Useful official sources
General information, reviewed in October 2026. This guide is not individual legal or tax advice. Ask a qualified Bulgarian lawyer and tax adviser to assess the specific property and your circumstances. Official links may be in Bulgarian.
Let’s start with what you are looking for.
Tell us about your plans, preferred area and budget. We will discuss a suitable search and the practical steps towards your purchase.
+359 895 21 21 21 · info@unlimited.bg
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