Costs & fees for UK buyers in Bulgaria. Learn about taxes, notary fees, legal costs, and other expenses when purchasing property as a British citizen.
Buying property in Bulgaria involves several additional costs beyond the purchase price. UK buyers should be aware of taxes, legal fees, and registration expenses to avoid unexpected financial burdens.
1. Real Property Transfer Tax
This is a municipal tax paid when purchasing a property.
Rates vary by location:
✅ 0.1% to 3% of the sale price or tax-assessed value.
✅ Sofia & Varna: Typically closer to 3%.
✅ Paid by the buyer at the time of registration.
2. Notary & Legal Fees
| Expense | Estimated Cost |
|---|---|
| Notary Fees & VAT | 0.1%–3% of the property value tax |
| Lawyer Fees | €100–€300 |
| Translation & Document Certification | €50–€200 |
| Power of Attorney Setup (if applicable) | €50–€150 |
For legal assistance, see How to Hire an English-Speaking Lawyer in Bulgaria.
3. Registration & Administration Costs
✅ Registry Agency Fee: 0.1% of the purchase price.
✅ Property Registration Fee: €50–€200.
✅ Bank Fees for International Transfers: Varies by bank.
For title verification, read How to Check a Property for Debts & Legal Issues.
4. Annual Property Taxes & Utility Costs
Ongoing expenses include:
✅ Property Tax: 0.01%–0.5% of property value annually.
✅ Waste Collection Tax: Varies by municipality.
✅ Utility Setup Fees (Electricity, Water, Internet): €50–€300.
5. Additional Costs to Consider
| Expense | Estimated Cost |
| Home Insurance (optional) | €100–€200 per year |
| Surveyor or Inspection Fee | €200–€300 |
| Renovation & Repairs (if needed) | Varies by property |
For investment planning, check Buying Off-Plan Property: Pros & Risks.
Conclusion: Budgeting for a Property Purchase in Bulgaria
Proper financial planning ensures a smooth property purchase. UK buyers should account for taxes, legal fees, registration, and ongoing costs before committing to a property investment.
For a complete guide, see How to Buy Property in Bulgaria Step-by-Step Guide.
Useful Resources for Understanding Property Costs
1️⃣ Bulgarian Ministry of Finance – Tax rates and regulations.
2️⃣ Bulgarian Property Register – Verify tax history and property registration.
