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Bulgarian mortgages, buy property in Bulgaria with mortgage

Bets BG Properties is proud to announce partnership with one of the biggest mortgage lenders in Bulgaria - United Bulgarian Bank. The program's idea is to facilitate buyers intrested in purchasing off-plan apartments, new built houses or villas. There is a variety of bank products that match individual clients' requirements . Now all of our customers will benefit from lower rates and smoother and easier application process.

The United Bulgarian Bank was established back in 1992 as a result of a merger of other 22 Bulgarian regional commercial banks. UBB holds a full banking license for domestic and overseas banking and financial operations. The bank has correspondent relations with 740 banks, of which 707 abroad, 35 domestic and 21 correspondent accounts. UBB has the biggest Branch Network in Bulgaria, maintaining 200 units countrywide.


Max Loan value

70% of property price

Interest Rate

6.70% fixed entire period




20 years maximum

Loan amounts

7,500 EUR min - 250,000 EUR max

Total credit limit

250,000 Euros (if eligible)

Available to

EU, USA or Canadian Citizens

Repayment method

Repayment only

Bank's Arrangement Fee

1.25% of loan upon signing and 0.9% from the remaining amount annual charge (collected on monthly basis)

Bank's Legal Fee

40 Euros

Valuation fees

100 Euros (approx)


Covered by the bank

Redemption penalties


Staged payments

Only upon reaching shell stage

Bank Account



For more information, please contact our mortgage specialist Zlatka Georgieva.
Additionaly, you can use our mortgage calculator to see your monthly payments.

Required documents

You will need to supply the following documents:

  • 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 either originals or legalized copies.

The property documents required (from your agents) are as follows:
Title deeds of previous owner
Preliminary contract between you and the owner
Document showing the taxation value of the property
Certificate showing the property is free of any burdons

Additional documents may be required on certain occasions.

Fees and Charges
Apart from the charges specified by UBB, Best BG Properties will charge a fee of 200 Euros which will be our commission for organising the submission of the mortgage application on your behalf. In case you use the services of another real estate agent, our commission will be 550 Euros. There will also be a notary tax of around 150 Euros payable upon signing the mortgage agreement.
Our fee is due upon submission of your application.