First-Time Buyers in Malta: Best Tools and Apps to Make It Simple (2025)

Buying your first property is an exciting milestone — but it can also feel daunting. From saving for a deposit to navigating bank loans and notary fees, Malta’s property process can be overwhelming for first-time buyers.

The good news? With the right tools and apps, the journey to homeownership is simpler, faster, and less stressful. Here’s how first-time buyers in Malta can make smart decisions in 2025.

1. Understanding the First-Time Buyer Scheme in Malta

The government offers financial support to first-time buyers, including:

• Stamp duty exemptions – no tax on the first €200,000 of your purchase.

• Grants and schemes – subsidies on home loans, green renovation support, and other incentives.

• Konvenju process – securing your purchase with a notary agreement.

  
  

👉 Tip: Always check the latest updates with your notary to ensure you’re maximising your benefits.

2. The Best Apps for First-Time Buyers in Malta

Technology has transformed how people buy property. Instead of juggling agents, websites, and paperwork, apps now centralise the process.

Yitaku – Malta’s #1 First-Time Buyer App

Yitaku isn’t just a property listings app — it’s a complete homeownership tool. For first-time buyers, it offers:

• Daily Updated Listings – properties direct from owners, estate agents, and developers.

• Property Alerts – get notified instantly when a home within your budget appears.

• Home Loan Calculator – estimate monthly repayments and plan your budget.

• Insurance Requests – set up required insurance with ease.

• My Coupons – save money on furniture, appliances, and moving services after purchase.

  
  

👉 Download Yitaku today and start your first-time buyer journey with confidence.

PropertyMarket.com.mt

Good for comparing a wide range of agency listings. Helpful for browsing, but lacks tools designed specifically for first-time buyers.

Indomio Malta

Useful for expats and international buyers, but not tailored to first-time buyer incentives or local schemes.

3. Step-by-Step Guide for First-Time Buyers

1. Set Your Budget – Use a loan calculator to see what you can afford.

2. Get Pre-Approval – Speak to banks early to know your borrowing power.

3. Search Smart – Use apps like Yitaku to filter and save your top choices.

4. View & Compare – Visit properties in person and compare key features.

5. Konvenju Agreement – Sign with a notary and pay your deposit.

6. Final Deed – Close the deal, pay remaining costs, and collect your keys.

7. Set Up Your Home – Use Yitaku’s My Coupons to save on essentials.

If you want a more detailed step by step guide you can download Yitaku's Ultimate First-time buyer guide from here. 

4. Best Areas in Malta for First-Time Buyers

While demand is strong everywhere, some areas are especially attractive for first-time buyers:

• Mosta & Naxxar – central, family-friendly, affordable compared to Sliema.

• Gżira & Msida – popular with young professionals, close to universities.

• Żebbuġ & Qormi – traditional towns with more affordable townhouses.

• Mellieħa & outskirts – spacious options, good for families wanting more value.

  
  

👉 Explore our full Town and Villages Guides to find the right area for you.

FAQ – First-Time Buyers in Malta

What is the minimum deposit required in Malta?

Typically 10% of the property price, paid at the Konvenju stage. However, initial costs may be nearer to 20% when considering notary fees, architect fees and other bank loan related fees.

Do first-time buyers pay stamp duty in Malta?

No — stamp duty is waived on the first €200,000 of your property purchase.

Which app is best for first-time buyers in Malta?

Yitaku, because it combines property listings with alerts, calculators, insurance, and homeowner discounts in one app.

How long does the buying process take?

From Konvenju to final deed, it usually takes 6-9 months.

Final Thoughts

Being a first-time buyer in Malta can feel overwhelming — but with the right tools, you can make the process smooth and stress-free. From calculating your budget to securing your new home, apps like Yitaku give you everything you need in one place.

👉 Download Yitaku today and take the first step towards owning your first home in Malta.