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@dawncham123

If you're retired, it's pretty straightforward to get a D visa and residence permit. So the 90 days limit should be a very temporary issue. Also, if you're retired, you can get an S1 and free Bulgarian health care.

More generally, Bulgaria is pretty cheap compared to the UK, so your meagre stash should go further here. But, like everywhere, you do need money to live on. :-) It's tight these days, but it's potentially doable on a (full or near-full) UK state pension, plus your (cash, ideally) property purchase/renovation. Just one example: my dad's council tax is getting on for 3k... property tax here getting for 100. :-)

Moving is always a bit scary, but I'm very happy in Bulgaria... absolutely the best move I made. And I've dragged my old dad here after me (the old geezer just hit 97).

@dawncham123

Hi good luck with your venture, any questions ask or send a pm Rgds Ozzy

Dawn, hugs! As I said in the other post, being scared when taking such a big step is normal!

And what Gwyn said. Even if you've taken early retirement rather than getting your OAP, which I am guessing might be your situation, provided you're getting a work pension of more than the Bulgarian minimum wage (540 GBP per month or thereabouts at present) you can get a D visa, then apply for residency. The only thing that Gwyn said that wouldn't apply as an early retiree rather an OAP is that rather than an S1 health form (which for OAPs, means the UK is saying they'll pay for your healthcare abroad), you'd need to show some other evidence of health insurance. But that should be quite simple.

The bureaucratic things like bank accounts etc can feel overwhelming, but may well be things your seller will help you with (for a fee) or that are expat helpers in the Popovo area you can pay to assist you.

Are you sure that the lender who's repossessing (I assume we're talking about a mortgage) is then going to recognise the debt as satisfied?

I don't know how things are in the UK nowadays but not so long ago it wasn't unheard of for lenders to pursue folks whose properties had been repossessed through the courts for the balance of the debt.

Please don't think I'm just being nosy - or feel obligated to reply if you prefer not to. 🙂