Malta Real Estate Guide: Buying and Renting Property

Important

This guide is general information for planning only. It is not legal, tax or financial advice. Property rules, rental contracts, taxes and residency requirements can change. Always verify current requirements with the relevant Maltese authority or a qualified professional before signing or paying.

Malta's property market draws buyers for lifestyle, EU residency and investment — but the rules, especially for non-residents, are specific. This is an orientation guide, not legal or financial advice. Confirm everything with a licensed agent, notary and qualified lawyer before committing.

How the market is structured

Purchases split into two broad categories. Special Designated Areas (SDAs) are developments where non-residents can buy with the same rights as Maltese nationals — no AIP permit required. Outside SDAs, non-residents typically require an Acquisition of Immovable Property (AIP) permit, which limits them to one property. Confirm the status of any property with a notary before proceeding.

The buying process

Typical process: an Agreement of Sale (konvenju) with a deposit (often around 10%), due-diligence searches by a notary, then the final deed. Budget for notary fees, stamp duty and agency fees — check current rates with a notary or the Commissioner for Revenue (cfr.gov.mt).

Where people buy

• Lifestyle and sea views — Sliema, St Julian's and harbour-facing areas — the most liquid and internationally recognised market.
• Value and authenticity — The south, the Three Cities and Marsaxlokk — lower prices, genuine character.
• Character and restoration — Mdina, Rabat, village cores and Gozo farmhouses — for those who want to restore rather than buy new.
• SDA developments — Purpose-built SDA projects across Malta and Gozo where non-residents can buy without AIP restrictions.

Renting property in Malta: what to check

• Private residential leases for primary residential purpose must be registered — registration is the legal responsibility of the landlord/owner under Maltese law
• Check the contract duration and termination terms before signing
• Check the deposit amount and the conditions for getting it refunded
• Check whether there is an inventory or condition report for the property
• Check agency fee terms before signing anything
• Check who is responsible for utilities and any condominium or common fees
• For residency, tax or other legal questions, consult the relevant official Maltese authority or a qualified professional — do not rely on this guide alone