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One of the biggest purchases you will ever make is to buy real estate. The process may seem complicated at times, but it doesn't have to be difficult. Our goal is to make it easier for you and assist you in negotiating a mortgage or consumer loan, re-financing an existing loan, or consolidating liabilities. We assist you completely free of charge throughout the entire process of preparation and utilization of the loan. As a client of a Smart Brokers you receive preferential terms from the leading banks in Bulgaria!

Whether you are buying a property for the first time or you are a professional real estate investor, we can make it easier for you and save you a lot of time and costs! Contact us now and compare the best offers on the market: info@smartbrokers.bg, 0889 80 77 77

OUR PRODUCTS

Mortgage
Refinancing of an existing loan
Consumer loans
Business loans
Consolidation of liabilities

WHO USES THE MORTGAGE

Financing a property with a bank is a preferred option for most market transactions. For many customers, a mortgage is the only way to buy a home today. Not infrequently, however, even buyers with enough of their own savings resort to a loan from a bank, because this ensures that all documentation around the transaction and the property itself will be properly checked by the bank's lawyers and nothing important will be missed.

HOW TO GET THE BEST MORTGAGE CONDITIONS?

Mortgage rates can change dynamically and can vary depending on the personal financial and credit profile of the borrower. The difference in the price of the loan can reach tens of thousands of levs, depending on the way of calculating the life and property insurances in the different banks. Here are some tactics that will help you achieve the best conditions for a home loan.

COMPARE SEVERAL OFFERS

It took so much effort, time and nerves to find the perfect property! When you are just one step away from buying, it is often tempting to contact only one bank - yours or your agent's - to get an offer as quickly as possible. However, this does not guarantee that you will get the best conditions. It is best to compare as many offers as possible to make sure you choose the best loan, according to your case.

DO NOT IGNORE THE FEES

The interest rate is not the only factor to check when it comes to the price of your home loan. Don't forget to calculate the cost of the loan.

AN IMPORTANT DETAIL IS THE VALUE OF THE INSURANCE

One offers include it in their interest rates, others do not. In the second case, it is still mandatory, but is paid extra by the client.
What do you need to know on the subject?

LIFE INSURANCE

In most banks it is at the request of the client and is not a mandatory condition for a mortgage loan. Covers mainly Death from illness or accident and permanent or temporary incapacity for work over 70%. In some banks, life insurance decreases every year, along with the residual debt, in others - is not constant throughout the period of the loan.

PROPERTY INSURANCE

It is mandatory everywhere. The main difference is that in some banks the sum insured is on the initial principal of the loan, while elsewhere it is on the value of the market valuation, which is always higher than the amount of the approved loan. In some banks the Property insurance decreases every year, together with the residual debt, in others it is constant throughout the loan period.

DON'T BE SATISFIED WITH THE FIRST OFFER

Many buyers choose a bank or credit counselor on the recommendation of an acquaintance. When it comes to a decision that will affect your life for the next 20 or 30 years, we advise you not to rely on chance.


Use our tool to find one (or more) lenders who can help with a loan for your specific situation. Compare the offers we find for you with those given to you by your agent or friend. This ensures that you will take the right loan for you personally.

FREQUENTLY ASKED QUESTIONS

SHOULD I EXPECT DOZENS OF UNWANTED CALLS?
No. We will only give your contact information to a credit broker who has a license and positive customer reviews. You will only be able to contact more lenders if you choose. Unlike other sites, your information will not be shared with creditors without your desire.
IS MY INFORMATION PROTECTED?
It is our commitment to protect your personal information and to take it very seriously. We will not provide information about you to third parties for whom we do not have your consent.
WHY SHOULD I USE THIS WEBSITE TO FIND A BANK?
Most buyers find a bank through a friend or real estate agent, but this does not guarantee the best price or service. Our platform brings together information from across the market and real customer feedback. Our ultimate goal is maximum transparency and the ability to make informed decisions at every stage of the property search.
HOW MUCH DOES IT COST TO USE A CREDIT CONSULTANT?
The service is free. The credit intermediary will receive payment for the work done by him from the bank you choose to finance your property.

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Уважаеми Дами и Господа,

На 25 май 2018 влезе в сила общ регламент за защита на личните данни (Регламент ЕС N 2016/679). За да продължим да изпращаме към вас най-актуалните предложения имаме нужда от вашето съдействие и съгласие за получаване на маркетингови съобщения от Смарт Брокерс ООД.

Ако желаете да получавате информация за най-актуалните ни оферти за продажба и наеми на недвижими имоти, събития и интересни новини, съгласно Европейските изисквания, моля абонирайте се за нашия електронен инфобюлетин.

Този месец актуализираме и Политиката за поверителност на нашия уебсайт, за да може по-лесно да разберете как събираме личните ви данни, каква информация може да бъде събрана, как може да бъде използвана, какъв е срокът за който я съхраняваме, как съхраняваме личните ви данни и на кого могат да бъдат прехвърляни те. Моля запознайте се с Политиката за поверителност тук

За да потвърдите Вашето съгласие да получавате нашия бюлетин, моля натиснете бутона:

Ако НЕ желате да продължите да получавате нашия бюлетин, моля, натиснете ТУК
или ни изпратете e-mail на office@smartbrokers.bg