Vera
As per above, raising funds in Turkey may prove difficult, most people seem to take the remortgage route suggested by Marly. When you buy your property you have to use a government appointed Notary & Interprator, they will handle all of the legal side of the sale, I guess where a solicitor may help is with the cash transfer ? I did not use a solicitor on the basis that I had lot's of personal reccomendations on which agents to use. This saved some money but also added a bit of stress ! Hapilly it all worked out well for us.
Beware of a couple of things, Debt can be passed on to the new owner of the property, make sure your agent confirms that the appropriate search has been done. When you shake hands and pay a deposit to the Vendor, you are both locked in to complete the sale / purchase with hefty penalties on both sides if either decides to pull out.
Check that your property is not part of an incomplete co-operative, this is a way of buying a property where you pay some money up front and then the remainder over a fixed period of time, say, 5 years. The problem is that unscrupulous agents may fail to mention the additional payments and if you fail to pay then the co-operative can reposses the property. An incomplete co-operative will normally have a joint deed to cover all properties on the development, only after all of the money is paid does the co-operative become complete and individual deeds are issued.
Think carefully about what you want the property for, investment, retirement, holidays, rental income etc. then check that your property ticks all of the required boxes, in fact make a check list and tick off items as you view. Properties in the mountains may look lovely in the summer but can get very cold in winter, go and see the property at night, is it easy to pop out for a meal, loaf of bread, does it look / feel secure. Consider if you want to be amongst other ex pats or integrated with the Turkish community. Check transport links, both local and to and from the airport.
Finally, keep in touch with this board, I doubt you will come across anything that has not been seen & solved amongst this community.
Good luck, it's a great feeling to own your own place in the sun, and for me it's also a very good investment, our house has appreciated in value by 45% in the last year.
Rimms
PS sorry about spelling / grammar, typed in a hurry
