Practical
Malta Real Estate Guide: Buying and Renting Property
A guide to the Malta property market — buying vs renting, which areas are popular with expats and investors, and how the process works.
Updated 2026-06-13 · 5 min read · ImaginaMalta Editorial
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.
- Non-resident purchase
- Free in SDAs; AIP permit required elsewhere
- Currency
- Euro (€)
- Key document
- Agreement of Sale (konvenju) + Final Deed
Frequently Asked Questions
Can foreigners buy property in Malta?
Yes. In Special Designated Areas (SDAs), non-residents can buy freely. Outside SDAs, non-residents usually need an AIP permit. Verify the status of any property with a notary.
What are the main buying costs in Malta?
Stamp duty, notary fees and agent commission. Confirm current rates and applicable exemptions with a notary or the Commissioner for Revenue.
What is the cheapest area to buy in Malta?
The south, inland north and parts of Gozo generally offer lower prices than Sliema, St Julian's and Valletta.
Do I need a lawyer to buy property in Malta?
A notary is legally required. An independent lawyer in addition to the notary is strongly recommended, especially for non-residents.
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