•  
• Locating the property you like (or perhaps land for our custom build option).
• 
  
• Negotiating with the builder for the payment terms and once the agreement is reached then the drawing up of a contract.
• Payment of a reservation fee for the property (£2000).
• Meeting with the lawyer to go through the contract and discuss legal aspects with her. The contracts will be signed by both parties at this stage in front of the lawyer (and will be witnessed by the lawyer).
• Providing Power of Attorney to your lawyer to allow her to follow through your paperwork for military clearance and title deed follow up and collection only.
• Obtaining a tax credit number from the tax office (necessary for property purchase) and opening of bank accounts (this may take a couple of hours).
• Payment to either your bank account in Turkey or to the builders account. If you choose to make payments from your own bank account then you have to provide a letter giving your permission for the bank to allow the builder to access an agreed amount from your account on an agreed date. The builder has to provide you with receipts for each payment directly to you or preferably your lawyer.
• The builder will provide all the legal papers required by your lawyer and you will make your payments after their approval.
• After completion of build (or if the property is completed then straight away) you can start to use your property but receiving your title deed may take about 3 months due to the military clearance process.
• The last stage is the collection of your title deed. You personally can do this but also your lawyer can collect your title deed in your absence. A 3 percent purchase tax has to be paid during the title deed exchange procedure. You can also allow your lawyer to pay this tax during the title deed collection on behalf of you.

Once you have completed these stages then you will own a property (or properties) in Turkey with legal rights to sell, rent, modify (as far the building regulations allow) and bequeath to your offspring (if you prefer to leave your property to someone rather than your next of kin then you should have a Turkish Will drawn up by your lawyer). There is no restriction on multiple ownership of a property in Turkey therefore you may have as many names as you wish on the title deeds.

The cost of furniture for the property may vary depending on the quality of the furniture (and of course the size of the property). However, as an example a 3 bedroom villa with average furniture will cost you (including white goods, beds, sofas, tables, wardrobes, kitchenware, bathroom ware, sheets, linens and curtains etc...) around £5000.

The running costs of property in Turkey are usually very reasonable. The annual costs to be covered are:

• Gas (bottled gas -Calor type) used for cooking. Buy when and if you need (approximate annual cost: £50 per annum).
• Electric and water bills are metered and you pay as used (approximate annual cost: £1000 per annum).
• Compulsory basic buildings insurance is usually around £100 per annum.
• Fully comprehensive house and contents insurance (optional) is usually around £200 per annum.
• Council tax is around £100-200 per annum.

Maintenance fee for the communal grounds/pools (optional for custom build houses) is £500 to £2000 per annum (depends on the communal facilities and size).