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Guide · Living in the UK

Buying property in Albania when you live in the UK

If you live in the UK, buying a home in Albania follows the same steps as any purchase from abroad. Four things differ: where you sign the power of attorney, who issues the apostille, how the money travels and what you report to HMRC afterwards. This guide covers only those points, with the official sources; for the steps in Albania it links to the full guide.

Written by , founder of hyrja.al

This guide is also in: Shqip

What changes when you buy from the UK?

The Albanian embassy in London cannot issue a power of attorney for a purchase: you sign it before a UK notary, the FCDO Legalisation Office adds the apostille, and the document is then translated into Albanian in Albania. The money can travel as a SEPA transfer in euros, because both the UK and Albania are in the SEPA schemes' scope. If you are UK resident for tax, rent from the Albanian home and any gain when you sell it are taxable in the UK too, with a credit for the tax paid in Albania under the UK-Albania tax treaty.

The full guide: buying from abroad in 10 steps

At a glance

Buying in Albania from the UK: the key points and their sources
TopicWhat applies
Power of attorney at the embassyNot for a purchase: consuls issue only simple powers of attorney, and only for Albanian citizens.Albanian MFA, powers of attorney · Albanian Embassy London, FAQ
Power of attorney in the UKYes, before a UK notary, with an apostille from the FCDO Legalisation Office: £45 on paper, £35 as an e-Apostille.GOV.UK, legalisation
Translation into AlbanianThe London embassy translates only documents issued in Albania, so a UK power of attorney is translated in Albania by a licensed translator.Albanian Embassy London, services
TransferThe UK and Albania are both in the SEPA schemes' scope: a euro transfer can go as a SEPA payment.EPC, SEPA countries · Bank of Albania, SEPA
RentTaxable in the UK if you are UK resident, with Foreign Tax Credit Relief for the Albanian tax.GOV.UK, foreign income · GOV.UK, taxed twice · Treaty text
SellingUK residents pay tax on foreign gains too; for a house abroad you pay in both countries and get relief in the UK.GOV.UK, residence · GOV.UK, taxed twice
New to the UKThe FIG regime can relieve foreign income and gains in your first 4 years of UK residence, but only if you claim it.HMRC, FIG regime
Loan from an Albanian bankBKT and Union Bank have products for people living abroad; BKT asks for a guarantor who lives and works in Albania.BKT, emigrants · BKT, documents · Union Bank

The power of attorney: before a UK notary, not at the embassy

If you will not sign in person in Albania, you need a notarial power of attorney; what it should say is in the full guide.

The Albanian embassy cannot issue it

Albania's embassy and consulate in the UK share one address in London (33 St George's Drive). Under the rules of Albania's Ministry for Europe and Foreign Affairs, consuls act as notaries only for Albanian citizens who live in their area, and only for simple powers of attorney, such as collecting documents or being represented in some procedures; the London embassy lists the fee as €20, paid by card in pounds. General powers of attorney and powers of attorney for contracts that transfer ownership, such as the sale of an apartment, are on the Ministry's list of those consuls do not issue: for these it refers you to a notary in the country where you live.

For the simple powers of attorney it can issue, the London embassy takes applications only online through e-Albania, and you then sign in person at the consulate: nobody can attend for you.

Sources: Albanian MFA, powers of attorney · Albanian Embassy London, services · Albanian Embassy London, FAQ

Before a UK notary, with an FCDO apostille

Sign the power of attorney before a notary public in the UK. GOV.UK points to the official lists of notaries in England and Wales, and of notaries and solicitors in Scotland and in Northern Ireland. The FCDO Legalisation Office can apostille a power of attorney certified by a UK notary or solicitor; but because Albanian law wants a power of attorney for a purchase to be a notarial act, as the full guide explains, ask your lawyer in Albania before you sign whether a solicitor's certification would be accepted or a notary is needed.

A paper apostille costs £45 per document, plus courier or postage, and usually takes up to 25 working days; an e-Apostille, for a PDF electronically signed by a UK notary or solicitor, costs £35 and takes up to 2 working days. You apply online for both. Before you choose the e-Apostille, ask the notary in Albania whether they accept it. If you have a paper document couriered straight to Albania, GOV.UK charges the rest-of-the-world rate of £42 per 1.5 kg, because Albania is not in its European band.

Albania has been a party to the Hague Apostille Convention since 9 May 2004, and the UK is not among the states that objected to its accession, so the convention applies between the two countries and the apostille replaces legalisation. The London embassy states that it does not issue apostilles itself.

Sources: GOV.UK, legalisation · HCCH, status table · Treaty depositary · Albanian Embassy London, FAQ

Translation into Albanian

The London embassy says it translates only documents issued in Albania, which must be apostilled first, and that other documents are translated in Albania by a licensed translator. A UK power of attorney is therefore translated in Albania after the apostille, and the notary there certifies the translation: the official fee is in the full guide. The Ministry's general rule lets consulates translate documents from the local language for Albanian citizens at €10 a page, but the London embassy does not offer this for UK documents.

Sources: Albanian Embassy London, services · Albanian MFA, translations

Sending the money from the UK

The UK stayed in the geographical scope of the SEPA schemes after Brexit, and since 7 October 2025 Albania has been an operational part of SEPA too, which the Bank of Albania says makes euro transfers cheaper and faster. SEPA payments are in euros, so from a sterling account your bank converts the money first: ask whether it sends euro payments to Albania through SEPA, what it charges and which exchange rate it uses, and check that the seller's or notary's account is in euros. The European Payments Council notes that EU rules on SEPA fully apply only to payments between institutions in the EU and the EEA, and neither the UK nor Albania is in the EEA.

Expect questions about where the money comes from. Under the UK Money Laundering Regulations 2017 (regulation 28), banks must assess the purpose and intended nature of a business relationship and scrutinise transactions, including where necessary the source of funds. Keep payslips, tax calculations and savings statements ready: banks and notaries in Albania make similar checks, as the full guide explains.

Sources: EPC, SEPA countries · Bank of Albania, SEPA · MLR 2017, reg. 28

UK tax: rent, gains and reporting

These rules apply if you are UK resident for tax, whatever your nationality, and come from GOV.UK pages and HMRC guidance.

If you rent the home out

UK residents normally pay UK tax on foreign income, including rental income on overseas property, which is taxed in the normal way; if you rent out more than one overseas property, you can offset losses on one against the others. Report it in the 'foreign' section of your Self Assessment tax return; if you do not usually send one, tell HMRC by 5 October following the tax year in which you had the income.

The rent can also be taxed in Albania. The UK-Albania double taxation agreement, signed in Tirana on 26 March 2013 and in force since 30 December 2013, lets Albania tax income from property there (article 6) and requires the UK to allow the Albanian tax as a credit against UK tax on the same income (article 22). You claim this Foreign Tax Credit Relief in your tax return, and you may get back less than you paid in Albania if the income would have been taxed at a lower rate in the UK. How rent is taxed in Albania is in the full guide.

Sources: GOV.UK, foreign income · GOV.UK, rent · GOV.UK, reporting · GOV.UK, UK-Albania treaty · Treaty text · GOV.UK, taxed twice

If you sell

UK residents pay tax on their UK and foreign gains. For an asset that cannot be taken out of the country, such as a house, GOV.UK says you pay tax in both countries and get relief from the UK; the treaty lets Albania tax the gain (article 13). In Albania the seller pays 15% on the gain before ASHK registers the sale, as the full guide explains.

Sources: GOV.UK, residence · GOV.UK, taxed twice · Treaty text

If you moved to the UK recently

Since 6 April 2025 all UK residents are taxed on their worldwide income and gains as they arise. If you came to the UK after at least 10 consecutive tax years of non-UK residence, the FIG regime lets you claim relief on foreign income and gains for your first 4 years of UK residence; the relief is not automatic: you have to claim it. Ask a tax adviser whether it suits you.

Sources: HMRC, FIG regime

A loan from an Albanian bank

Some Albanian banks have products for people who live and work abroad, with a mortgage on the home in Albania (see the full guide). BKT offers “Kredia për Emigrant” to everyone who lives and works outside Albania, over up to 25 years for buying or building a home, and treats a guarantor, a relative who lives and works in Albania, as an important criterion. Union Bank, in its terms sheet in force from August 2026, lends up to 70% of an apartment's market value for a loan in euros and up to 80% for one in lek, over up to 20 years.

For income earned abroad, BKT's 2026 document list asks for residence and work permits, monthly payslips, the annual income statement, bank statements and your rental contract. Its examples are only Italian and Greek documents, so ask the bank which UK documents it accepts. This guide publishes no interest rates: terms change, so ask the banks for their current offer.

Sources: BKT, emigrants · BKT, documents · Union Bank

Key questions

Can I sign the power of attorney for the purchase at the Albanian embassy in London?

No. According to Albania's Ministry for Europe and Foreign Affairs, consuls do not issue powers of attorney for contracts that transfer ownership, such as the sale of an apartment, and they draw up powers of attorney only for Albanian citizens. You need a UK notary and then the FCDO apostille.

Sources: Albanian MFA, powers of attorney

Paper apostille or e-Apostille?

GOV.UK offers both: the paper one costs £45 and usually takes up to 25 working days; the e-Apostille costs £35 and takes up to 2 working days, but needs a PDF electronically signed by a UK notary or solicitor. GOV.UK advises checking with whoever asked for the document which one they accept, so ask the notary in Albania before you apply.

Sources: GOV.UK, legalisation

I am only a British citizen: what changes?

For an apartment or a house the procedure is the same; the restrictions for foreigners mainly concern land, as the full guide explains. You cannot use the notarial services of Albanian consulates, which the Ministry provides for Albanian citizens, but for a purchase you need a UK notary in any case, and the power of attorney is translated in Albania.

Sources: Albanian MFA, powers of attorney · Albanian Embassy London, services

Sources

The official pages this guide is based on, each with the date it was opened. Laws, fees and procedures change, so check the current version before you act.

  1. Albania's Ministry for Europe and Foreign Affairs: special powers of attorney at consulates (who can apply, fee, powers of attorney consuls do not issue) ·
  2. Albanian Embassy in the United Kingdom: frequently asked questions (powers of attorney, apostille) ·
  3. GOV.UK: Get your document legalised (FCDO Legalisation Office apostille) ·
  4. Albanian Embassy in the United Kingdom: consular services (fees, translations, address) ·
  5. European Payments Council (EPC): list of SEPA scheme countries, version 8.0 of 24 December 2025 ·
  6. Bank of Albania, 7 October 2025: Albania becomes an operational part of SEPA ·
  7. GOV.UK: Tax on foreign income ·
  8. GOV.UK: Tax on foreign income, if you're taxed twice (Foreign Tax Credit Relief, capital gains) ·
  9. GOV.UK: 2013 UK-Albania Double Taxation Agreement, text (articles 6, 13 and 22) ·
  10. GOV.UK: Tax on foreign income, UK residence and tax (including capital gains) ·
  11. HMRC internal manual: FIG regime, introduction (RFIG41000) ·
  12. BKT: Kredia për Emigrant (loan for emigrants) ·
  13. BKT: document list for mortgage loans (2026) ·
  14. Union Bank: terms of “Kredi për Shtëpi - Emigrantë”, in force from August 2026 ·
  15. HCCH: status table of the Apostille Convention ·
  16. Treaty depositary (Kingdom of the Netherlands): Apostille Convention, objections to Albania's accession ·
  17. Albania's Ministry for Europe and Foreign Affairs: translation and certification of translations at consulates ·
  18. The Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017, regulation 28: customer due diligence measures ·
  19. GOV.UK: Tax on foreign income, foreign income that's taxed differently (rent) ·
  20. GOV.UK: Tax on foreign income, reporting your foreign income ·
  21. GOV.UK: Albania tax treaties (entry into force and effect) ·
This guide is general information, not legal or tax advice. Laws, fees and procedures change: confirm your case with the notary, a UK tax adviser and a lawyer in Albania.
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