The Ultimate Guide To Buying Property In Malta: Location, Lifestyle, And More!

Malta, often referred to as the ‘Jewel of the Mediterranean,’ is a picturesque island nation located in the southern part of Europe. With its sunny climate, stunning natural landscapes, and rich history, Malta has become a popular destination for tourists and expats alike.

However, with its booming real estate market, Malta has also become a prime location for property investment. If you’re looking to invest in property in Malta, there’s never been a better time to do so.

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But with so many options available, navigating the buying process can be overwhelming. That’s why we have created the ultimate guide to buying property in Malta. From the types of properties available to the necessary permits and tax incentives, we cover it all.

Our guide is designed to help you make informed decisions and maximize your investment opportunities. So whether you’re looking for a holiday home, a permanent residence, or a commercial property, our guide will provide you with all the information you need to make the right choice.

Key Takeaways

  • Malta’s strategic location and relaxed lifestyle make it a popular choice for property investment.
  • Various types of properties, including apartments, villas, and townhouses, are available in Malta.
  • The buying process involves finding a trustworthy real estate agency, obtaining necessary permits, and paying additional fees such as stamp duty and notarial fees.
  • Dhalia Real Estate offers a wide selection of properties for sale and specialized consultants for commercial properties, with 40 years of experience helping clients buy property in Malta.

Types of Properties

Various types of properties are available for purchase in Malta, including apartments, penthouses, maisonettes, townhouses, villas, and bungalows. This makes it a versatile location for property investment.

Apartments and maisonettes are the most popular property types due to their affordability and convenience. They are typically located in urban areas and offer easy access to amenities such as shops, restaurants, and public transportation.

Penthouses, on the other hand, are luxurious properties that offer stunning views of the Mediterranean Sea and the Maltese landscape. They are typically more expensive than apartments and maisonettes but offer a high level of comfort and exclusivity.

Townhouses, villas, and bungalows are ideal for those seeking a more spacious and private living environment. These properties are typically located in suburban or rural areas and offer a more relaxed and peaceful lifestyle.

Property prices vary depending on the location and type of property, with prices ranging from €100,000 for a small apartment to over €1 million for a luxury villa or penthouse. Popular locations for property investment include Sliema, St. Julians, and Valletta, which offer a vibrant lifestyle and easy access to amenities and services.

Buying Process

To initiate the buying process for a property in Malta, prospective buyers can seek assistance from Dhalia Real Estate, a company with 40 years of experience in helping clients buy properties in Malta. They can guide buyers through the legal requirements of purchasing property in Malta, including drafting a Promise of Sale, making a deposit of 10%, obtaining an AIP permit (if applicable), and finalizing the sale with a notary.

It is important to hire professional help during the buying process, especially when navigating the legal requirements. Additionally, obtaining an energy performance certificate is recommended. For non-residents, an Acquisition of Immovable Property (AIP) permit is required, while EU citizens do not need one. Special Designated Areas (SDAs) are luxury resorts or developments where foreign investment is encouraged and an AIP permit is not necessary.

While extra expenses such as stamp duty, notarial fee, searches, AIP fees, and recognition fee should also be taken into account.

Citizenship and Residency

Malta offers citizenship and a second passport to those who have resided in the country for 1-3 years and can prove adequate health insurance and sufficient funds. The Malta Individual Investor Programme (MIIP) is a citizenship by investment program that grants citizenship to successful applicants and their families. Applicants must meet certain requirements, including a €650,000 non-refundable contribution to the National Development and Social Fund, an investment in real estate, and a clean criminal record.

In addition to the MIIP, Malta also offers residency programs, such as the Global Residence Program (GRP) and the Malta Residence and Visa Program (MRVP). The GRP is aimed at non-EU nationals and requires an annual tax contribution of €15,000, while the MRVP requires a minimum investment of €250,000 in real estate and an annual tax contribution of €10,000. Health insurance requirements and financial qualifications are also necessary for these programs.

Overall, Malta offers attractive citizenship and residency programs for those seeking to relocate to a safe and prosperous country in the heart of the Mediterranean.


Different regions in Malta offer unique experiences and price points for potential property buyers.

The lively areas of Sliema and St. Julians are popular for their shopping, dining, and nightlife scenes.

The North of Malta, including Mellieha and St. Paul’s Bay, offers a more relaxed pace of life and stunning beaches.

Valletta, the capital city, is renowned for its cultural scene and architectural beauty, while Mdina, the former capital, offers a peaceful and tranquil atmosphere.

Property prices vary by region and property type, with the most expensive areas being Sliema, St. Julians, and Valletta. On the other hand, the North of Malta and other rural areas offer more affordable options.

It is essential to consider local amenities when choosing a region to buy property in Malta, as some areas may be more suitable for families while others may be more suited for young professionals or retirees.

Commercial Properties

Commercial properties in Malta are highly sought after by investors due to their potential for high returns. These properties are available in a variety of new developments and prime locations, making them a valuable investment opportunity.

Dhalia Real Estate offers a wide selection of commercial properties for sale, with specialized consultants who can assist potential buyers in finding the perfect property to meet their needs. Investors can find a range of commercial properties in Malta, including retail spaces, offices, warehouses, and more.

These properties offer a great opportunity for businesses looking to expand their operations or for investors seeking to generate rental income. With Dhalia Real Estate, investors can access a range of properties across Malta, with specialized consultants who can provide valuable insights into the local market and help investors make informed decisions.


Moving on from commercial properties, let’s now delve into the rental regulations in Malta.

For foreigners who wish to rent their property, they can do so in Special Designated Areas (SDAs) with a license from the Ministry of Tourism Authority. It is important to note that rental regulations in Malta are strict, and landlords must abide by the law to avoid any legal issues.

The rental market in Malta is highly competitive, especially in tourist hotspots like Sliema and St. Julians. Therefore, landlords must ensure that their property meets the necessary standards to attract potential renters.

Renting out a property in Malta can also provide a significant source of income for foreigners. However, it is essential to follow the rental regulations and obtain the necessary licenses to avoid any legal issues.

For those interested in renting out their property, it is advisable to seek professional help from real estate agencies like Dhalia Real Estate. They can provide guidance on the rental market in Malta and assist with obtaining the necessary licenses.

With the right approach, renting out a property in Malta can be a lucrative investment.

Frequently Asked Questions

What are the restrictions on foreign ownership of property in Malta?

Foreign ownership restrictions in Malta require non-residents to obtain an Acquisition of Immovable Property (AIP) permit. EU citizens are exempt from this requirement. Legal implications include additional fees and the need for the right visa or work permit.

What are the costs associated with obtaining an AIP permit for non-residents?

The cost of obtaining an AIP permit for non-residents in Malta includes a 1% provisional duty and AIP permit fees, which vary depending on the property type. The processing time for an AIP application is approximately two months.

What are the requirements for obtaining citizenship in Malta?

To obtain citizenship in Malta, applicants must meet health insurance and financial requirements and reside in the country for 1-3 years. An Investor Program is also available for non-EU citizens who make a significant investment in Malta.

What are some up-and-coming regions for property investment in Malta?

Emerging neighborhoods like Marsaskala and Qawra offer excellent investment potential in Malta. With affordable properties and proximity to amenities, these areas are attracting younger buyers and savvy investors looking for good returns.

How does the rental market in Malta compare to the buying market?

The rental market in Malta is growing due to an increase in demand from tourists and expats. Rental market trends show that investment opportunities are available in popular tourist areas such as Sliema and St. Julian’s.


Investing in property in Malta can be a lucrative opportunity for those seeking to expand their portfolio. With its beautiful Mediterranean climate, rich history, and robust economy, Malta has become a prime destination for property investment. The buying process can be complex, but with the right guidance and knowledge, it can be a seamless experience.

Dhalia Real Estate, with over 40 years of experience, is the perfect partner to help you navigate this process. When considering a property investment in Malta, it is important to understand the types of properties available, the buying process, and the necessary permits and tax incentives. Additionally, exploring different regions can help you narrow down your choices and find the ideal location for your investment.

Dhalia Real Estate offers a comprehensive guide to buying property in Malta, covering all these aspects and more. Whether you are interested in residential or commercial properties, Dhalia Real Estate has the expertise to help you make informed decisions. With their guidance, you can explore the various regions of Malta and find the perfect location that fits your lifestyle.

The process of obtaining citizenship and residency in Malta can also be simplified with the help of a trusted partner like Dhalia Real Estate. In conclusion, investing in property in Malta can offer a wealth of opportunities for those seeking to expand their portfolio. With Dhalia Real Estate as your partner, you can navigate the buying process with ease and find the ideal property that fits your needs. Their expertise and knowledge of the market can help you make informed decisions and ensure a successful investment.

Malta truly is the ultimate destination for property investment, and with Dhalia Real Estate by your side, the possibilities are endless.

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