Hi all, I have just now sent an email to a company who I believe may be able to assist as they have excellent communications with banks offering BG mortgages, asking them if they can. I'll get back to you when I get an answer from them.

However, I must say that I am not surprised a bank would not include furnishings and VAT, I don't think they would anywhere in the world. All they are interested in is the bricks and mortar so to speak as this is their only fall-back if anyone were to default on payments.

Get back to you later,

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Jain Goodall, Director, Quest Bulgaria Magazine

Independent advice and information for owning and buying property in Bulgaria
http://www.questbulgaria.com