87% of the country's inhabitants follow the Bulgarian Orthodox religion. The remainder are Muslims, and there are a small number of Catholic and Christian sects.

It is difficult therefore we suggest financing from your own country if possible.

There is a 1 year fixture and fittings guarantee with the developer and also a 10 year guarantee for structural work only and is from the Bulgarian National Buildings Standards Agency which is similar to the NHBC in the UK. They sign and certify the construction to get the final certificate Article 16.

Any claim would need to be to the Bulgarian National Building Standards Agency, and not the developer.

15% for property held up to 5 years. 0% thereafter.

The UK and Bulgaria have a double tax treaty, so the 15% deducted in Bulgaria offset your income tax liability in the UK.

2% of the market value of the property is paid to the municipality where the property is located. The notary fees are paid at completion paid on the higher of the market price, or the book rate as specified in a special chart.

The property tax is paid annually based on 0.15% of the property value.

All real estate transactions are subject to VAT at the uniform rate of 20% however prices shown are nearly always inclusive of tax.

Yes food and drink are much cheaper than in the UK by as much as two thirds less depending where you are. Transport by bus and train is incredibly cheap and better for long distances as by car travel the roads can be in poor condition and there is a lot of bare knuckle overtaking by drivers!

Apartment insurance including liability cover for people renting is cheap at around £100 a year and we can help with arranging this.