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Renting vs Buying in Malta: Which is Right for You in 2025?

Deciding whether to rent or buy in Malta is one of the biggest financial choices you’ll make. With rising property prices, strong rental demand, and government schemes for buyers, the right option depends on your lifestyle, budget, and long-term plans.

Here’s a breakdown of the pros and cons of renting vs buying in Malta in 2025 — and how apps like Yitaku can help you whichever path you choose.


Buying property Malta first-time buyer

 1. The Case for Renting in Malta


Why people rent: flexibility, lower upfront costs, and easier access to popular areas.


  • Lower upfront cost – no deposit beyond one month’s rent.

  • Flexibility – easier to relocate for work or lifestyle.

  • No maintenance hassle – landlords typically handle major repairs.

  • Popular with expats & students – especially in Gżira, Msida, and St Julian’s.


⚠️ Downsides: Rent payments don’t build equity, and long-term renting may cost more than owning.



2. The Case for Buying in Malta


Why people buy: long-term investment, stability, and government incentives.


  • Builds equity – your repayments add to your ownership, not a landlord’s pocket.

  • Stability – fixed place to live, no risk of eviction or rent hikes.

  • Government support – first-time buyers enjoy tax breaks and schemes.

  • Strong market – Malta’s property has proven resilient with long-term growth.


⚠️ Downsides: High upfront deposit (10%), ongoing costs (loans, insurance, maintenance).



3. Renting vs Buying: Cost Comparison (2025)


Renting

Buying

Upfront cost

1–2 months’ rent

10% deposit + stamp duty + Notary, Bank & Architect fees

Monthly cost

€900–€1,400 (1-bed in central Malta)

~€1,000–€1,700 mortgage repayment

Flexibility

High

Low

Ownership

None

Builds equity

Best for

Expats, students, short-term stays, individuals looking for flexibility

Families, long-term investors


4. Which Is Right for You?


This decision is highly personal and depends on many factors, including your financial situation, long-term plans, and lifestyle needs. What works for one person may not suit another, so it’s important to carefully weigh your options and choose what aligns best with your circumstances.


  • You might consider to Rent if: you’re an expat, student, or not ready to commit.

  • You might consider to Buy if: you’re a first-time buyer, planning to stay in Malta long-term, or want to build equity.


👉 With Yitaku, you don’t need to choose upfront — browse both rentals and properties for sale in one app.


 FAQ – Renting vs Buying in Malta


Is it cheaper to rent or buy in Malta?

In the short term, renting is cheaper. In the long term, buying often saves money and builds equity.


Can foreigners buy property in Malta?

Yes, but non-residents may face restrictions depending on the location (check AIP permits).


Which app is best for both renting and buying in Malta?

Yitaku, because it combines rentals, properties for sale, alerts, calculators, and homeowner discounts in one platform.


Whether renting or buying, the key is understanding your needs and financial position. In 2025, Malta’s property market continues to offer opportunities for both. Apps like Yitaku make it easy to compare rentals and properties for sale side by side — so you can make the right choice with confidence.


👉 Download Yitaku today to start your property journey.

 
 
 

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