Buying Property in Malta: A Guide for Expats and Non-Citizens

    Malta is a picturesque Mediterranean island that offers a range of property options for expats and non-citizens. We will explore the process of buying property in Malta, the types of properties available, and important considerations for expats and non-citizens.

    1. Understanding the Maltese Property Market

    The Maltese property market has experienced steady growth in recent years, driven by factors such as a booming economy, a strong tourism industry, and an increasing number of foreign investors. The market offers a diverse range of properties, including apartments, houses, and villas, catering to different budgets and preferences. It is essential to familiarize yourself with the current trends and real estate prices to make informed decisions when buying property in Malta.

    1. Types of Properties for Sale in Malta

    a. Apartments: Apartments are a popular choice for expats and non-citizens in Malta. They offer convenience, modern amenities, and are often located in sought-after areas near the coast or city centre. Apartments for sale in Malta range from compact studios to spacious penthouses, catering to different needs and budgets can be seen on

    b. Houses and Villas: For those seeking more space and privacy, houses and villas are available for sale in various locations across Malta. These properties often feature gardens, swimming pools, and ample living space, providing a comfortable and luxurious lifestyle.

    c. Flats and Maisonettes: Flats and maisonettes offer a balance between apartments and houses, providing more space than apartments while maintaining a more affordable price point. These properties are usually located in residential areas and offer a range of sizes and configurations.

    1. Legal Requirements for Non-Citizens

    a. Acquisition of Immovable Property (AIP) Permit: Non-citizens, including EU and non-EU nationals, need to apply for an Acquisition of Immovable Property (AIP) permit to buy property in Malta. The AIP permit is typically granted for the purchase of one property for personal use. However, certain restrictions apply, such as limitations on the size and location of the property.

    b. Special Designated Areas (SDAs): Non-citizens can purchase property in Special Designated Areas (SDAs) without the need for an AIP permit. SDAs include popular locations like Portomaso, Tigné Point, and Fort Cambridge. Buying property in these areas offers more flexibility and ease of acquisition for non-citizens.

    1. Engaging a Real Estate Agent

    Working with a reputable real estate agent is highly recommended when buying property in Malta. A knowledgeable and experienced agent can provide valuable guidance, help navigate the local market, and assist with legal and administrative processes. They can also help identify properties that match your requirements and negotiate on your behalf.

    1. Financing Options

    There are various financing options available for expats and non-citizens looking to buy property in Malta. International banks operating in Malta offer mortgage facilities for non-residents, subject to certain criteria. It is advisable to consult with financial institutions to understand the requirements and explore suitable financing options.

    1. Due Diligence and Property Inspection

    Before finalizing a purchase, it is essential to conduct due diligence and inspect the property thoroughly. Engage a professional surveyor to assess the property’s condition, check for any structural issues, and ensure compliance with local regulations. Additionally, review the property’s title deed and any applicable restrictions or encumbrances.

    1. Tax Considerations

    Understanding the tax implications of buying property in Malta is crucial. Non-residents are generally subject to tax on income derived from Maltese sources, including rental income from the property. Consult with a tax advisor to understand the applicable tax obligations and any available incentives or exemptions.

    1. Residency and Citizenship Options

    Buying property in Malta can also provide avenues for residency and citizenship. The Maltese government offers various residency and citizenship programs, such as the Malta Residence and Visa Programme (MRVP) and the Malta Individual Investor Programme (MIIP). These programs provide opportunities for individuals to obtain residency or citizenship by investment, offering additional benefits and access to the European Union.

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