The Ultimate First-Time Buyer Guide in Malta
Buying your first property in Malta is an exciting milestone — but it can also feel overwhelming. From calculating your budget and securing a home laon, to navigating legal requirements and applying for government grants, the process has many moving parts.
That’s why we created this First-Time Buyer Guide. Whether you’re looking at an apartment in Sliema, a townhouse in Valletta, or a maisonette in St. Julian’s, this step-by-step guide gives you the tools and local knowledge to buy your first home with confidence.
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Why First-Time Buyers in Malta Need a Guide
Buying property is one of the biggest financial decisions of your life. In Malta, first-time buyers face specific challenges:
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Rising property prices in high-demand areas like Sliema, St. Julian’s, and Gzira.
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Complex legal steps (Konvenju, deed of sale, notarial checks).
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Understanding government grants and tax incentives.
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Securing affordable financing in a competitive mortgage market
Without a clear roadmap, it’s easy to feel lost. This guide simplifies the process so you can move forward with clarity.
FAQs for First-Time Buyers in Malta
How much deposit do I need for my first property in Malta?
Most banks ask for 10% of the property price as a down payment. However, one must consider other costs, such as Notary fees, Bank fees and Insurance.
Do I qualify for government grants?
If you’re buying your first residential property in Malta, you likely qualify for stamp duty exemptions up to €200,000.
How long does the process take?
From the Konvenju to final deed, the process may take anywhere from 6 to 12 months, depending on financing and due diligence.
Can foreigners buy property in Malta?
Yes, but non-residents may need an Acquisition of Immovable Property (AIP) permit, with restrictions on certain areas.
Inside this free eBook, you’ll find everything you need to make your first home purchase in Malta less confusing and a lot more empowering.
We break down the real costs of buying a property, including hidden expenses so you know exactly what to expect. You’ll learn what banks are really looking for, how to organise a property wish list that matches both your dreams and your budget, and how to identify red flags during viewings.
The guide also walks you through every step — from offer to Konvenju to final deed and beyond. While showing you how to take advantage of government grants that could save you thousands.
It’s like having a real estate expert in your pocket.
Download the First Time buyer Guide now!
Buying your first property in Malta is a big step, but with the right preparation, it can be smooth and rewarding. From choosing the right location to securing financing and completing the legal steps, this guide gives you the foundation you need.
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