Malta Property Investment Guide – Can Foreigners Buy Property in Malta?


Malta is an ideal choice for expats seeking property, with an easy purchasing process but some restrictions. Foreigners cannot buy properties below specific values and must place down an increased deposit. Check out the Best info about buy real estate in Malta.

Malta provides various properties for sale, from flats and apartments to commercial spaces – properties that have proven worth as investment options with two times greater returns than rental investments.

You do not need to be a Maltese resident to buy a property.

Malta has emerged as a favorite European property investment destination. Thanks to its warm climate, welcoming people, and booming real estate market, wealthy expats from across the globe flock here for property investments. For non-residents, buying property is relatively straightforward; here, you will discover all required permits, price ranges, properties, and legal steps needed when purchasing a home here.

To buy property in Malta, first, obtain an Acquisition of Immovable Property (AIP) permit within thirty-five (35) days and gain entitlement to buy one property for personal use or multiple properties located within Special Designated Areas (SDAs).

To purchase property as a resident in Malta, one must first secure a residency permit by investing in a local company or bank account. Stamp Duty payments depend on market value and investment amount – typically, approximately 1% of the total price will go toward stamp Duty, with 10% being held as a deposit.

Hiring a local property consultant can be invaluable in the buying process, helping ensure that you don’t pay an inflated price and that everything runs smoothly and legally. They can assist with paperwork and negotiate with vendors, enabling secure mortgages or financing solutions.

You can buy a property in any part of the country.

To make the process seamless, you must engage a notary public and an attorney specializing in Malta property law to conduct searches and take other necessary legal steps to purchase real estate on the island. Start searching online listings or arrange trips directly to Malta so you can view properties in person before beginning.

Purchase of property within an SDA (also referred to as lifestyle developments) makes the purchasing process much more straightforward, giving you all of the same rights as Maltese citizens and permitting multiple purchases within one SDA; multiple properties may even be purchased within an SDA; however, if purchasing outside an SDA an AIP permit must first be secured before doing so.

Malta and Gozo offer many properties to meet every imaginable need, from tiny houses and flats in traditional villages to luxury villas boasting incredible views and luxurious interior designs. Choosing an international school close to home may also be necessary if you have children.

Malta’s real estate market is experiencing tremendous growth, and many European expats are opting to relocate there permanently or buy holiday homes and rent them out when not using them themselves.

You can rent out your Maltese property.

Foreign investors interested in Malta real estate have numerous options when investing in property there. They can rent their property to tourists or use it for business. The Maltese rental market features high-quality apartments, penthouses, villas, and luxury lifestyle complexes offering amenities such as gyms, pools, and restaurants that can also provide convenient public transport access points nearby.

Foreigners looking to purchase property in Malta must obtain an Acquisition of Immovable Property (AIP) permit, but this requirement may not apply if buying in a Special Designated Area. EU nationals already holding permanent resident status do not need AIP permits either.

Maltese real estate investors should expect to pay stamp duties of 2-7 % of the purchase price and notary fees comprising around 1-2% of its total value. Furthermore, investors will require approval of their bank loan from an accredited financial institution before proceeding.

Before making a property investment decision, visiting it personally in person is advisable. Photographs found online may not accurately reflect reality; therefore, investors should arrange a trip to Malta and view their potential property before signing any documents that could compromise their decision, or a notary public specializing in property law may also help.

You can resell your Maltese property.

Maltese islands are relatively small, and property prices tend to be high due to this factor. To protect residents and prevent overly competitive and unfair markets from developing, there are certain restrictions placed upon buying property there – for instance, European expats require an acquisition permit (AIP) to purchase property; there may be exceptions depending on where it’s being sold and for investment purposes or otherwise.

AIP permits are valid for five years. When selling property, first submit an AIP permit application form to the Ministry of Finance with proof that it was used as your primary residence, which should take about six weeks. The next step should be paying the notary’s fee, stamp duty on sale, and notarization fee/stamp duty fees to ensure a clear title is present before closing transactions. Once this step has been accomplished, you’ll receive keys while your seller will owe any taxes related to sales of real estate transactions.

If you invest in property in Malta, you must conduct extensive research into various regions and neighborhoods. This will allow you to find an ideal spot that meets your investment goals, rental income potential, and capital appreciation potential.

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