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Today’s Top Picks
Prime investment opportunity in Birkirkara! This freehold, unconverted townhouse is ideally located close to all amenities and offers strong potential for redevelopment or rental yield. The property includes a 1-bedroom layout, separate kitchen and dining area, two entrancesideal for dual-access or future unit divisionand full roof with airspace for possible expansion. A solid value-add project in a high-demand area. Viewing is highly advised.
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€340,000
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1 Bed
1 Bath
This apartment in Mosta features a spacious open-plan layout that combines the kitchen, living, and dining areas. It includes three bedrooms, with the main bedroom offering an en suite bathroom. There’s also a main bathroom and a separate utility room for added convenience. Additionally, an optional garage is available at an extra cost.
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€1,400/m
View Listing
3 Bed
2 Bath
Introducing a highly finished penthouse located on the outskirts of San Gwann, enjoying an elevated position with beautiful sea and valley views. This unique residence offers an exceptional blend of indoor and outdoor living, featuring 50 sq.m of private terrace space spread across two levels, ideal for entertaining, relaxation or al fresco dining. Internally, the penthouse boasts approximately 91 sq.m of well-planned living space with high ceilings and abundant natural light throughout, enhancing the sense of openness and comfort. The layout includes a welcoming open-plan kitchen, living and dining area, a main bathroom, a master bedroom with ensuite, and a dedicated laundry room for added practicality. The property is being sold fully furnished and ready to move into, making it an ideal turnkey solution for homeowners seeking comfort without the hassle of finishing works. A rare offering that combines views, style and convenience — perfect as a residence or high-quality rental investment.
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€530,000
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2 Bed
1 Bath
In St.Julian’s comes a ready to move into, and fully furnished three-bedroom apartment set on the third floor and served with a lift.
Upon entering one finds a kitchen/living/dining/terrace, bedroom, two doble bedrooms (master ensuite), utility room, back balcony.
Freehold
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€495,000
View Listing
3 Bed
2 Bath
An extraordinary sixth-floor penthouse just seconds from the sea, offering approximately 380 sqm of refined living and an expansive terrace with breathtaking, unobstructed sea views.There are reinforcements and connections for a pool.
The layout boasts a bright open-plan kitchen, living, and dining area seamlessly connected to the terrace; three spacious bedrooms (master with ensuite); multiple balconies; and a main bathroom. Roof and airspace included.
Finished to a high standard (excluding internal doors and bathrooms) and complemented with optional garages, this residence blends contemporary design, natural light, and a prime seaside location into a truly rare opportunity.
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€1,397,000
View Listing
3 Bed
2 Bath
EPC certified that qualify for BOV Green Loan !!
Birkirkara, set in a much-desired area of this village, border between Hal Balzan and Iklin, is this new development offering 2/3 Bedroom Apartments, Maisonette and Penthouses, with good sized internal and external areas. All units are being sold with high standard finishes, excluding bathrooms and internal doors. This ground floor Maisonett e ,with its own private entrance , comprises of a wide entrance hall , double bedroom, main bathroom , utility room , large kitchen/living/dining area connected to a large backyard with its own private pool, another double bedroom with an ensuite shower and walk in wardrobe, internal yard , and last but not least the main bedroom with an ensuite shower and a walk in wardrobe area. Truly a unique spacious property covering a total of 223sqm. Freehold. An Optional 2 car garage is available. Currently under construction and completion around May 2026. Call now for further info and a site viewing.
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€650,000
View Listing
3 Bed
4 Bath
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Property Insights Hub
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First-Time Buyer Grant in Malta: €10,000 Scheme Explained
Introduction Buying your first property in Malta is a significant milestone, but it can be financially challenging for many. To support first-time buyers, the Maltese government has introduced a €10,000 grant scheme. This article explains the key details of this initiative, including eligibility requirements, application procedures, and important deadlines. What is the First-Time Buyer €10,000 Grant? The First-Time Buyer €10,000 Grant is a financial assistance scheme provided by the Housing Authority of Malta, specifically designed to help individuals and families purchase their first property. Launched in 2025, this initiative aims to make homeownership more accessible by providing a direct cash grant of €10,000 to eligible applicants. The grant applies to residential properties being purchased for the first time, including both newly built and existing properties. Unlike loans, this grant does not need to be repaid, making it a valuable opportunity for th ose entering the property market. The scheme is part of the government's broader strategy to support affordable housing in Malta and help more residents achieve the goal of homeownership. It builds on previous first-time buyer initiatives but offers a more substantial financial contribution than earlier programs. To receive the grant, applicants must meet specific eligibility criteria and follow the proper application process, which we'll explore in the following sections. Eligibility Requirements To qualify for the €10,000 First-Time Buyer Grant, you must meet several specific criteria. Primary Eligibility Conditions: Requirement Type Details Age requirement Must be at least 18 years old at the time of application First-time buyer status Must not own or have previously owned residential property in Malta or abroad Property use Property must be purchased for use as a primary residence Agreement date Promise of sale agreement (konvenju) must be signed on or after January 1, 2025 Residence commitment Must commit to living in the property as a primary residence for at least 10 years Minimum property value Property must be purchased for a value of at least €100,000 Application timing Grant application must be submitted within specific timeframes Authority standing All applicants must have a clean record with the Housing Authority For couples or joint purchasers, all parties must qualify as first-time buyers. If one party has previously owned property, the application will be rejected. The scheme applies to Maltese citizens, EU nationals, and third-country nationals who have long-term residency status in Malta. Note that commercial properties, garages purchased separately from residential units, and agricultural land do not qualify under this scheme. Application Process and Timeline Applying for the €10,000 First-Time Buyer Grant involves several steps that must be completed within specific timeframes: Application Timeline: Applications must be submitted after signing the promise of sale agreement (konvenju) The final deadline is six months after the final deed of purchase is signed Applications submitted after this six-month period will be automatically rejected Required Documentation: Completed application form (Form FTB-E10K) Copy of identity cards or passports of all applicants Copy of the promise of sale agreement (konvenju) Copy of the final deed of purchase (when available) Declaration that the property will be used as the primary residence for at least 10 years Bank account details where the grant should be deposited Submission Process: Download the application form from the Housing Authority website You can find more information through the link here Complete all required sections of the form Gather all necessary supporting documentation Submit your application to the Housing Authority either: In person at their offices in Floriana By post to the designated address Through the online portal (if available) The Housing Authority typically processes applications within 4-6 weeks. Applicants will receive notification of approval or rejection by post or email. If approved, the €10,000 grant will be directly transferred to the bank account specified in the application. Important Conditions and Restrictions Understanding the conditions attached to the €10,000 First-Time Buyer Grant is essential to avoid complications or potential repayment obligations: Residence Requirement: You must use the purchased property as your primary residence for at least 10 consecutive years Failure to maintain this residence commitment may trigger a requirement to repay the grant in full or in part Property Restrictions: The grant applies only to residential properties intended for primary residence Investment properties, holiday homes, or commercial properties are not eligible The property must have a minimum purchase value of €100,000 Ownership Limitations: All applicants must be genuine first-time buyers with no current or previous property ownership The grant is available only once per person/couple If multiple individuals are purchasing together, all must qualify as first-time buyers Compliance Monitoring: The Housing Authority reserves the right to verify continued compliance with residence requirements Periodic checks may be conducted throughout the 10-year commitment period Documentation proving residence may be requested at any time Transfer Restrictions: Selling or transferring the property within the 10-year period typically requires repayment of the grant Exceptions may apply in cases of force majeure or special circumstances, subject to Housing Authority approval These conditions ensure the grant serves its intended purpose of supporting genuine first-time homebuyers rather than property investors or those seeking to exploit the scheme. Before applying, carefully review all requirements and consider consulting with a professional at the Housing Authority to ensure you meet all criteria. This article is for general information only and does not constitute legal, tax, or financial advice. Always consult a licensed professional in Malta for your specific situation.New Malta Property Owner? Essential Admin + Grant Applications
Utilities, Grants & Money-Saving Schemes Key Takeaways Update ID card, ARMS utilities, and driving licence within your first week. Apply for First-Time Buyer (€10,000) and Restoration grants (€54,000) before deadlines (if still applicable). ARMS Form A (new services) or Form F (existing services change) needed immediately. Keep receipts and sanction letter for grant applications. Check bank "green loans" for solar panels, insulation, and energy-efficient upgrades. Introduction Congratulations, you've signed the final deed and have the keys to your new home! That feeling never gets old. But before you unpack boxes and invite friends for housewarmings, there's essential admin that affects your bills, mail, and even grant money waiting to be claimed. The first weeks as a homeowner involve updating your address across government departments, sorting utilities through ARMS, and notifying key organisations. Even better? Some government schemes offer up to €54,000 for restoration work, plus first-time buyer grants and energy-efficient loans. First-Week Administration: Get These Done Immediately Handle these updates within days of moving to avoid billing confusion and missed correspondence. ID Card Address Change (Identità): Pre-book online or visit without an appointment. Bring your e-ID card, completed ID10a form, proof of new address (ARMS bill, bank statement, or purchase contract), and ID. Check Identità's website for the latest requirements. ARMS Utilities (Electricity & Water): No existing services? Submit Form A for new connections. Services already connected? Submit Form F for a change of consumer. Email, post, or deliver forms to ARMS offices with property details and IDs. MaltaPost Redirection: Download the Redirection of Postal Articles Form from any post office. Submit in person with supporting documents. Notify senders about pending packages immediately. Driving Licence (Transport Malta): Complete the DRV010 form with ID copy and original licence card. Essential First-Week Updates Organisation What You'll Need ID Card Address Identità e-ID card, ID10a form, proof of address ARMS Utilities ARMS Form A (new) or F (change), property details Postal Redirection MaltaPost Redirection form + supporting documents Driving Licence Transport Malta DRV010, ID copy, original licence 💡 Tip: Create one "proof pack" folder with your deed, latest ARMS bill, and bank statement. Reuse it across all updates. Notify Key Organisations Once legal documents are updated, inform organisations that need your new address: Healthcare: Mater Dei Hospital, private clinics for appointments and records Insurance: Health and vehicle policies must reflect your new address Employment & Tax: Notify the employer for payroll; update Malta Tax and Customs Administration Subscriptions: Newspapers, deliveries, gym memberships Connectivity & Waste: Transfer internet/cable service or open a new account. Check your local council's waste collection timetable for correct bag sorting and placement. Keep a simple log: date, who notified, method used. This prevents duplicate mailings and helps trace missing correspondence. Government Grants: Claim Your Money Several Housing Authority schemes offer substantial support, but they're time-sensitive and budget-limited. Scheme What It Covers Maximum Support Key Eligibility First-Time Buyer (FTB) First home purchase €10,000 (€1,000/year × 10) Primary residence, bank loan required Grant on First Residence (GFR) Shell & finishing works €5,824 (2 instalments) Based on fiscal receipts Subsidy on Adaptation Works (ADP) Refurbish sub-standard homes €21,000 Property ≥15 years old, income ≤€27,635 Ministry for Finance Restoration Grant: Up to €54,000 for: Properties in Urban Conservation Areas (UCA) Buildings >20 years old, vacant >7 years New properties meeting "built and finished" criteria Valid until 31 December 2026, you can apply via the servizz.gov portal. Important: Keep your bank sanction letter, architect plans, permits, receipts, and before/after photos. Schemes can close early if budgets run out. "Green" Loans for Energy Upgrades Most Maltese banks offer specialised green loans for sustainable improvements with attractive terms: Eligible items include: Solar water heaters, PV panels, wind turbines Wall/roof/window insulation, double glazing Efficient HVAC systems, A+++ appliances, LED lighting Domestic cistern/well restoration Typical benefits: Discounted interest rates No processing fees Fast approval process Full financing available Next steps: Ask your bank about green loan options and collect supplier quotations. The Bottom Line Homeownership begins with smart administration. Update your ID, utilities, and key organisations within week one, then immediately check grant eligibility. Subscribe to Property Portfolio's FREE Malta property newsletter for homeowner maintenance guides, grant application tips, and energy-saving advice. FAQs Q1: Which ARMS form do I need for utilities? A1: Form A for new services; Form F when changing the consumer on existing services. Q2: Do government schemes have early closing dates? A2: Yes. Most schemes are budget-limited and may close before advertised deadlines. Q3: What proof do I need for an ID address change? A3: ARMS bill, bank statement, or property purchase contract plus completed ID10a form. Mini Glossary ARMS: Malta's national electricity and water services provider. UCA: Urban Conservation Area with heritage protections and restoration grants. EPC: Energy Performance Certificate rates your home's efficiency. FTB: First-Time Buyer grant scheme (€10,000 over 10 years). ID10a: Identità form for ID card address changes. This article is for general information only and does not constitute legal, tax, or financial advice. Always consult a licensed professional in Malta for your specific situation.What Happens at The Final Deed in Malta
Final Deed Day in Malta: What Happens When You Become a Homeowner Key Takeaways Confirm all konvenju conditions are met before signing; especially with your architect. Bring photo ID and balance payment method confirmed with your notary. First-time buyers pay the remaining 4% stamp duty (first €200,000 exempt) plus notary and architect fees. The notary handles tax payments and Public Registry registration after you sign. For financed finishing costs, provide bank with contractor invoices before payment. Introduction After months of viewings, bank meetings, architect reports, and endless document exchanges, your Final Deed Day has arrived. This is the moment you officially become a homeowner in Malta. Before the celebrations begin, there are final checks, specific documents to bring, and costs to settle. Understanding exactly what happens at the signing ensures you walk into that notary's office (or bank) feeling completely prepared. Whether you're signing at your bank's legal office or the notary's practice, this guide covers every detail from pre-signing inspections to post-deed payments. You'll leave this article knowing precisely what to verify, what to bring, and which costs to expect on your big day. Final Checks Before You Sign Never rush to the final deed without confirming everything is in order. Your first step is asking your notary to verify that all promise of sale obligations have been fulfilled by both you and the seller. For on-plan, shell, or recently finished properties, arrange a final architect inspection. They need to confirm: The property matches the agreed completion level and finishings All works align with approved permits No last-minute issues have arisen Pre-Signing Checklist Who Handles Notary confirms all konvenju obligations fulfilled Notary Final property inspection (essential for on-plan/finished homes) Architect Clarify the final payment method and outstanding questions Notary If anything looks incomplete or unclear, raise it before signing the final deed. Once you sign the final deed, ownership transfers immediately and there's no going back. Where You Sign and What to Bring If you have a home loan, signing typically happens at your bank (with their legal representative present) or at your notary's office. Confirm the venue and payment method well in advance. What YOU bring: Essential Item Purpose Photo ID ID card, passport, or official identification for verification Balance Payment Confirm the exact method (bank draft, transfer) with the notary beforehand What the SELLER brings: Personal identification EPC (Energy Performance Certificate) All keys for handover Receipts proving settled bills (ground rent, utilities) Final compliance certificate (for on-plan/semi-finished properties) On the day: Your notary reads through the final deed and explains each section. This is your last chance to ensure everything matches your konvenju. If anything looks different or unclear, speak up immediately. A good notary will address your concerns before proceeding. What Happens During and After Signing the Final Deed Once both parties confirm everything is correct, you sign the final deed. At that exact moment, legal ownership transfers. Congratulations, you're a homeowner! Here's the flow: Notary reads and explains the deed clause by clause Questions addressed on the spot Both parties sign; you settle the balance payment Notary handles taxes; paying stamp duty and other fees on behalf of both parties Property registered with the Public and Land Registry 💡 Tip: Request copies of your signed deed and all payment receipts immediately. These documents prove your ownership and payment history if issues arise later. Costs You'll Settle After Signing The Final Deed Several final payments become due once ownership transfers. Confirm exact amounts with your notary and bank beforehand. Final Costs What It Covers Notes Outstanding Balance Purchase price minus your 10% deposit Pay by the agreed method Remaining Stamp Duty 4% of property value First-time buyers: first €200,000 exempt Notarial Fees Professional services Use the Notaries of Malta calculator Architect Fees Final inspections and certifications Confirm with your architect Finishing/Furnishing Works included in your loan Bank pays contractors directly with invoices Important: For finishing costs financed through your home loan, provide your bank with contractor quotations and invoices. They may pay suppliers directly or credit your account after verifying the work. The Bottom Line Final Deed Day is your property journey's finish line; the moment months of preparation culminate in homeownership. With final architect checks, the right documents, and clear payment arrangements, you'll sign with confidence. Your notary handles the technicalities, such as reading and explaining the deed, settling taxes, and registering ownership, while you focus on the excitement of getting your keys. Subscribe to Property Portfolio's FREE Malta property newsletter for homeowner guides, maintenance tips, and new listings across Malta and Gozo. FAQs Q1: Where do I sign if I have a home loan to purchase a property? A1: Usually at your bank with their legal representative, or at the notary's office. Q2: What if the property doesn't match what was agreed? A2: Your architect's final inspection catches this. Raise issues before signing the deed. Q3: How much stamp duty do first-time buyers pay at the final deed? A3: 4% on value above the first €200,000 (which is exempt). The initial 1% is paid on the signing of the promise of sale. Q4: Who registers my property ownership? A4: Your notary pays taxes and registers with the Public and Land Registry. Q5: When do I get the keys? A5: Seller hands them over at signing, along with the EPC certificate and bill receipts. Mini Glossary Final Deed: Contract transferring legal ownership from seller to buyer. Final Compliance Certificate: Confirms property matches approved permits and regulations. EPC (Energy Performance Certificate): Document detailing the property's energy efficiency. Public and Land Registry: Official records where property ownership is registered. Stamp Duty: Government tax on property transfers (first €200,000 exempt for first-time buyers). This article is for general information only and does not constitute legal, tax, or financial advice. Always consult a licensed professional in Malta for your specific situation.Become Our Partner
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