• Application form - Provided by the bank
• Copy of ID/ Driver’s License
• Provable place of residence - Copy Utility Bill
• Copy Birth Certificate
• Equifax/Experian Credit rating score - A numerical value based on the analysis of   credit report that is used by creditors to predict how likely an individual is to repay a new loan.
• P60  
• Last year’s tax return
• Bank statement - For at least previous 6 month confirming stated salary paid into bank account
• Bank reference - Regarding the financial standing of the applicant
• Accountant certificate
• Pay slips -  (6 months at the most)
• Power of Attorney  
• Copy Mortgage Statement or Copy Rental Agreement
• Declaration of Assets and Liabilities
• Marriage certificate
• Employer reference - Signed and sealed by the borrower’s employer confirming emplyment position and salary and how long with company
• Self-employed borrower (in addition to the above) - Nature of Business and how long it is established; Gross profit/ Turnover/ Net profit figures for most recent financial year and 2 immediately prior years; % share of the business.

Property documents

• Preliminary purchase agreement
• Property ownership documents - Provided by the property owner , may include the following: Notary Deed for land ownership; Company registration papers (Court Decision and Actual State of Company); Architectural plan; Plan of the land plot; Permission to build
• Certificate for lack of encumbrances - Issued by Bulgarian Registry Agency
• Tax evaluation certificate - Issued by the Bulgarian National Tax Agency
• Property market value certificate - Issued by a real-estate appraiser, authorized by the bank
  

Some banks require that a foreign borrower provides contact details of a Bulgarian citizen, whom they can call in case a problem occurs during the loan application. Other institutions need a co-borrower, who is responsible for repaying the loan in case the borrower defaults. An application with both a contact person and a co-borrower is also possible. It is important to say that Bulgarian banks either do or do not require that documents issued in another country be legalized before the borrower can use them in Bulgaria.