We choose the best credit offer for you

Toncheva & Partners law firm advises and assists you in granting a mortgage loan, consumer loan, refinancing a mortgage loan, consolidation of obligations.

  • We carry out all the procedures for applying and disbursing the loan for you;
  • We present the credit products of various banking and non-banking institutions;
  • We compare and analyze the conditions of the different banks, in accordance with your needs and possibilities for repayment and analyze your credit file;
  •  We find the best product for you according to your individual needs;
  • We negotiate individual terms with interest rates below the standard offers announced by the banks;
  • We provide you with a detailed list of all necessary documents;
  • We prepare all the forms and documents so that you can go through the lending process with peace of mind and confidence;
  • We refer you to an appraiser and a notary with whom we traditionally work;
  • We assist you in taking out additional insurances, we negotiate the conditions for servicing the loan, the consequences of default and the possibilities for renegotiation and refinancing of the loan.


“For me, for my partners and colleagues, one thing always remains true about AD “Toncheva and Partners” – the feeling of security, peace of mind, that we are in the right place and will receive the right advice.”

National Board of Tourism

Dr. Polina Karastoyanova, CEO

“Toncheva and Partners JSC has the necessary expertise covering all needs.”

Association AIBEST

Nora Ishkova, CEO

“I was impressed by the depth of the legal research and the comparative analysis they did between the Bulgarian legislation and the European framework for early childhood education and care.”

Foundation for children at risk around the world

Rositsa Bogalinska-Petrova, CEO