Your Complete Step-by-Step Guide to Buying Properties in Estonia

Updated: Nov 14

Whether you’re an expat drawn by Estonia’s e-Residency or a local moving up the ladder, this checklist keeps your purchase on time and on budget.

1 Determine Your Budget

Factor in the usual 2 % notary fee, 0.5 % state duty, plus renovation if you’re buying pre-1993 stock.

Non-residents can finance up to 70 % LTV; Swedbank and LHV are the fastest lenders.

Use niche portals and off-market leads—Bryan Estates’ portfolio includes rural and coastal homes that rarely hit public sites.

Schedule in-person or 360° virtual tours (a free service we provide).

Expect 1–1.5 % of the price as a reservation deposit, held by the notary.

Check land-register encumbrances and building permits; Bryan Estates coordinates with bilingual lawyers.

Sign the purchase agreement before a notary; the deed is usually lodged within 3 days.

Our after-sale team sets up utilities and even sources local contractors for remodelling.

Can foreigners own land? – Yes, except in certain border zones. How long does completion take? – 4–6 weeks if financing is ready.

Contact Bryan Estates and schedule your first virtual tour today.