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First-Time Buyers vs Second-Time Buyers – Incentives in Malta (2025 Guide)

Buying a property in Malta is one of the biggest financial decisions you’ll make — and the government offers specific incentives to make the process easier. Whether you’re purchasing your first home or moving on to your second, knowing the schemes available can save you thousands of euros.

Here’s a breakdown of the first-time buyer and second-time buyer incentives in Malta for 2025, and how Yitaku helps you every step of the way.


First-Time Buyer Incentives in Malta (2025)


The First-Time Buyer incentives in Malta is a scheme designed to help new homeowners take their first step onto the property ladder.


Key benefits:

  • Stamp duty exemption on the first €200,000 of your property purchase.

  • Applies to both Maltese residents and qualifying EU citizens.

  • Valid for purchases made in 2025 (subject to Budget updates).


Example: If you buy a home worth €180,000, you pay zero stamp duty.


Other support:

  • Gozo incentive: reduced stamp duty (typically 2%) for properties purchased in Gozo.

  • Green renovation schemes: grants for making your home more energy-efficient.


👉 Check out our Ultimate First Time Buyer Guide for a seamless property buying experience.


First-time buyer Malta stamp duty exemption

Second-Time Buyer Incentives in Malta (2025)


The Second-Time Buyer Scheme supports homeowners who sell their first property and purchase another as their primary residence.


Key benefits:

  • Refund of stamp duty on the first €86,000 of the new property’s value.

  • Refund increases to €150,000 for people with disabilities or guardians purchasing on their behalf.

  • Helps families upgrading to larger homes or relocating.


Example: If you sell your first flat and buy a new home for €250,000, you receive a refund on the first €86,000 of stamp duty paid.


Other Costs to Keep in Mind


Even with incentives, buyers should budget for:

  • Konvenju deposit: typically 10% of the property price.

  • Provisional stamp duty: 1% payable at Konvenju.

  • Notary fees & searches: usually 1–2% of the property value.

  • Insurance: required for home loans (life + building insurance).


👉 Use Yitaku’s Home Loan Calculator to estimate monthly repayments.


Yitaku app Malta buyer incentives and home loan calculator

How Yitaku Helps Buyers


Yitaku is more than a listings app — it’s a complete property-buying toolkit for Malta:


  • Daily property alerts – be the first to see homes that match your budget.

  • Loan calculator – plan your finances before signing.

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

  • Direct listings from owners – find no-commission deals.


👉 Download Yitaku and make your buyer journey smoother.


FAQ – Buyer Incentives in Malta


How much stamp duty do first-time buyers save in Malta?

First-time buyers pay no stamp duty on the first €200,000 of their purchase.


Who qualifies as a second-time buyer?

Anyone who has sold their first primary residence and is purchasing another as their main home.


Can foreigners access these schemes?

EU citizens and Maltese residents are typically eligible, but foreign buyers should confirm eligibility with a notary.


Do incentives apply to Gozo properties?

Yes, Gozo purchases often enjoy reduced stamp duty rates.


Second-time buyer refund Malta 2025

Whether you’re buying your first apartment or upgrading to a larger home, Malta’s government schemes in 2025 make property ownership more affordable.


With Yitaku, you can search for eligible properties, set up alerts, calculate repayments, and even save on furnishing with My Coupons.



 
 
 
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