Discover your path to property ownership in Malta
Purchasing Property in Malta as an EU National or Resident
Freedom of Purchase
As an EU citizen or resident, you’re allowed to purchase one property in Malta without special permits, whether as a primary residence or a holiday home.
Financing Options
EU nationals can access financing options from Maltese banks, with mortgage rates comparable to other EU countries. Financial institutions in Malta generally offer loans up to 70-80% of the property value, depending on individual qualifications.
Key Benefits for EU Nationals
-
Favorable Tax Rates: Malta has one of the most favorable tax systems in the EU for residents and property investors.
-
Residency Flexibility: With EU freedom of movement, you can reside in Malta without additional permits.
-
Lifestyle and Culture: Embrace a Mediterranean lifestyle in a country known for its vibrant history, warm weather, and English-speaking population.
Whether you’re an EU resident or a Non-EU national, buying a property in Malta is a straightforward process.
Malta offers an exceptional lifestyle, warm Mediterranean climate, and a stable real estate market that attracts buyers from around the world. Whether you’re looking for a family home, an investment property, or a holiday residence, Malta has options to suit every taste and lifestyle. Below, you’ll find guidance on purchasing requirements and options tailored to both EU and Non-EU buyers.
Purchasing Property in Malta as a Non-EU National or Resident
AIP Permit Requirement
Non-EU nationals must apply for an Acquisition of Immovable Property (AIP) Permit when purchasing property in Malta. This permit is a straightforward process handled by the Maltese government, and our team can guide you through the application.
Limitations on Number of Properties
Non-EU buyers are typically allowed to purchase only one property for personal use unless they buy within Special Designated Areas (SDAs), where multiple purchases are allowed without needing an AIP permit.
Special Designated Areas (SDAs)
SDAs offer an excellent option for non-EU nationals, as they provide the opportunity to own multiple properties in upscale developments without restrictions. Properties in SDAs are high in demand for their luxury amenities, convenient locations, and investment potential.
Permanent Residence and Citizenship by Investment
Malta offers programs that allow property buyers to apply for residency or citizenship through investment. These programs involve minimum investment thresholds and property value requirements. If you’re considering a permanent move or citizenship, Legacy Estates can advise on suitable options.
Key Benefits for Non-EU Nationals:
-
Investment Opportunities: Malta’s real estate market has shown consistent growth, making it a stable and attractive option for international investors.
-
Residency and Citizenship Pathways: Through Malta’s investment programs, non-EU nationals can gain residency or citizenship, offering visa-free travel within the Schengen Area.
-
Quality of Life: Malta is a culturally rich, safe, and welcoming country with a high standard of living.