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PPMT31672

Qawra – Forming part of a new development, located few steps away from the sea we find a selection of maisonettes, apartments and penthouses consisting of one or two bedroom, kitching/living/dining and bathroom. Property being sold finished excluding internal doors. Optional Garages. Estimated Completion date end 2023. For further info pls call 7970 5906

Qawra

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€257,000

2 Bed

View Listing

PPMT29876

Fgura – New on the Market – Very well-planned and well-presented, 91 sqm 1-bedroom penthouse (50.95 sqm internal & 40.37 sqm external), in lovely and quiet area of Fgura facing ODZ with country views, is now available for sale. This currently on plan property comprises an open plan kitchen/living/dining area, 1 bedroom, main bathroom, and an amazing front terrace with a deck chair area and a pool. This penthouse will be sold in shell–form, with an expected completion date set for end of March 2027. Optional interconnecting garages are available within this smart, highly finished block. Prices start from €43,000. Will make a stunning home and an excellent one-of-a-kind investment!

Fgura

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€286,000

1 Bed

1 Bath

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PPMT30369

ST PAULS BAY – A rare opportunity has arisen to acquire a selection of brand new, highly finished properties a mere corner away from the picturesque St Pauls Bay beach and within walking distance of the vibrant town centre. Set in a smart, elegant block, this development features a mix of well-designed apartments, maisonettes, and a penthouse, all offering modern layouts and high-quality finishes. Properties include open plan living areas, sleek kitchens, comfortable bedrooms, stylish bathrooms, and optional lock-up garages for added convenience. The estimated completion date is set for February 2026. Ideal for buyers seeking a contemporary coastal lifestyle or a sound investment in one of Malta’s most sought-after seaside locations. Maisonette 1 – 122 sqm, 2 bedrooms – €380,000 Apartments – 90 sqm+, 2 bedrooms – from €290,000 Penthouse – 111 sqm, 2 bedrooms – €415,000 Penhtouse – 133 sqm ,3 bedrooms – €520,000

St Pauls Bay

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€295,000

2 Bed

2 Bath

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PPMT30339

SANTA VENERA – New on the market! A pre–sale opportunity perfect for investors, first-time buyers, or anyone looking to purchase a beautifully designed home in a smart block, by one of Malta’s top developers. This large 140 sqm apartment boasts a well-planned rectangular layout with an open plan kitchen/living/dining area leading out onto a well-sized front terrace and a spacious back terrace. This 3 bedroom/2 bathroom property is freehold with an expected completion date set for March 2027. To be sold finished, excluding doors and bathrooms. This property has been thoughtfully planned to create a bright, functional living space with contemporary finishes and a timeless aesthetic. Ideal for those seeking a modern and elegant home in a convenient and up-and-coming location.

Santa Venera

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€300,000

3 Bed

2 Bath

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PPMT31253

This spacious three-bedroom ground floor maisonette offers a total area of approximately 196 (161 internal, 34 external) square metres and combines comfort with modern living. The property features a welcoming open-plan kitchen, living and dining area, three double bedrooms with the main bedroom enjoying en-suite facilities, a main bathroom, a study room, internal yard and a back yard, providing ample natural light and private outdoor space. The maisonette is being sold finished, excluding bathrooms and internal doors, allowing the buyer to complete the property according to their own preferences and style. Being freehold and situated in a quiet residential area close to all amenities, this home offers an ideal balance of tranquillity and convenience, making it an excellent choice for modern family living.

Mġarr (Mgarr)

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€495,000

3 Bed

2 Bath

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PPMT32235

This apartment, located in the peaceful village of Munxar, offers beautiful country views and a comfortable living space. It features three bedrooms and two modern bathrooms, providing convenience and functionality for residents. The property also includes a practical box room, ideal for storage or additional use as needed. Two balconies complement the apartment, allowing for plenty of natural light and the opportunity to enjoy the surrounding scenery.

The property is being sold in a semi-finished state, offering buyers the opportunity to complete it to their own taste and style.

Munxar

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€350,000

3 Bed

2 Bath

View Listing

PPMT30339

SANTA VENERA – New on the market! A pre–sale opportunity perfect for investors, first-time buyers, or anyone looking to purchase a beautifully designed home in a smart block, by one of Malta’s top developers. This large 140 sqm apartment boasts a well-planned rectangular layout with an open plan kitchen/living/dining area leading out onto a well-sized front terrace and a spacious back terrace. This 3 bedroom/2 bathroom property is freehold with an expected completion date set for March 2027. To be sold finished, excluding doors and bathrooms. This property has been thoughtfully planned to create a bright, functional living space with contemporary finishes and a timeless aesthetic. Ideal for those seeking a modern and elegant home in a convenient and up-and-coming location.

Santa Venera

view on map

€300,000

3 Bed

2 Bath

View Listing

PPMT29876

Fgura – New on the Market – Very well-planned and well-presented, 91 sqm 1-bedroom penthouse (50.95 sqm internal & 40.37 sqm external), in lovely and quiet area of Fgura facing ODZ with country views, is now available for sale. This currently on plan property comprises an open plan kitchen/living/dining area, 1 bedroom, main bathroom, and an amazing front terrace with a deck chair area and a pool. This penthouse will be sold in shell–form, with an expected completion date set for end of March 2027. Optional interconnecting garages are available within this smart, highly finished block. Prices start from €43,000. Will make a stunning home and an excellent one-of-a-kind investment!

Fgura

view on map

€286,000

1 Bed

1 Bath

View Listing

PPMT31672

Qawra – Forming part of a new development, located few steps away from the sea we find a selection of maisonettes, apartments and penthouses consisting of one or two bedroom, kitching/living/dining and bathroom. Property being sold finished excluding internal doors. Optional Garages. Estimated Completion date end 2023. For further info pls call 7970 5906

Qawra

view on map

€257,000

2 Bed

View Listing

PPMT32235

This apartment, located in the peaceful village of Munxar, offers beautiful country views and a comfortable living space. It features three bedrooms and two modern bathrooms, providing convenience and functionality for residents. The property also includes a practical box room, ideal for storage or additional use as needed. Two balconies complement the apartment, allowing for plenty of natural light and the opportunity to enjoy the surrounding scenery.

The property is being sold in a semi-finished state, offering buyers the opportunity to complete it to their own taste and style.

Munxar

view on map

€350,000

3 Bed

2 Bath

View Listing

PPMT30369

ST PAULS BAY – A rare opportunity has arisen to acquire a selection of brand new, highly finished properties a mere corner away from the picturesque St Pauls Bay beach and within walking distance of the vibrant town centre. Set in a smart, elegant block, this development features a mix of well-designed apartments, maisonettes, and a penthouse, all offering modern layouts and high-quality finishes. Properties include open plan living areas, sleek kitchens, comfortable bedrooms, stylish bathrooms, and optional lock-up garages for added convenience. The estimated completion date is set for February 2026. Ideal for buyers seeking a contemporary coastal lifestyle or a sound investment in one of Malta’s most sought-after seaside locations. Maisonette 1 – 122 sqm, 2 bedrooms – €380,000 Apartments – 90 sqm+, 2 bedrooms – from €290,000 Penthouse – 111 sqm, 2 bedrooms – €415,000 Penhtouse – 133 sqm ,3 bedrooms – €520,000

St Pauls Bay

view on map

€295,000

2 Bed

2 Bath

View Listing

PPMT31253

This spacious three-bedroom ground floor maisonette offers a total area of approximately 196 (161 internal, 34 external) square metres and combines comfort with modern living. The property features a welcoming open-plan kitchen, living and dining area, three double bedrooms with the main bedroom enjoying en-suite facilities, a main bathroom, a study room, internal yard and a back yard, providing ample natural light and private outdoor space. The maisonette is being sold finished, excluding bathrooms and internal doors, allowing the buyer to complete the property according to their own preferences and style. Being freehold and situated in a quiet residential area close to all amenities, this home offers an ideal balance of tranquillity and convenience, making it an excellent choice for modern family living.

Mġarr (Mgarr)

view on map

€495,000

3 Bed

2 Bath

View Listing

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Property Portfolio Support 03 November 2025

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Property Portfolio Support 14 November 2025

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 those 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 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 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.

Property Portfolio Support 04 November 2025

First Time Buyer Step 8 – What to Do After Buying Your Property

A simple guide to managing your new home, expenses, and next steps as a proud property owner Congratulations! You did it! You signed the final deed, picked up the keys, and you’re officially a homeowner in Malta. Now comes the next phase - owning and managing your property. From paperwork to practical tips, here’s everything you need to know after your big purchase. This beginner-friendly guide explains how to update your address (ID card, driving licence, post), sort utilities with ARMS, tell the right organisations, and tap into government schemes for upgrades and energy savings. Step 1: First-week administration Handle these items as soon as you move to avoid billing issues and missed mail. Address & identity ID card address change (Identity Malta/Identità): Pre-book online or visit without appointment. Bring your e-ID card, ID10a form, your new address, and evidence (e.g., ARMS bill, bank statement, lease or purchase contract). Confirm required documents with Identità before visiting. Utilities (ARMS) If there’s no electricity/water: submit Form A (new services). If services already exist: submit Form F (change in consumer). Forms can be emailed, posted, or handed in at an ARMS office. You can find more information here Postal redirection (MaltaPost) Download and submit the Redirection of Postal Articles Form in person at any post office with supporting documents. For pending packages, also notify the sender of your new address. Driving licence (Transport Malta) Complete DRV010; submit with ID copy and the original licence card. Connectivity & waste Internet/cable: Transfer your existing service or open a new one with your provider. Waste collection: Check your locality’s timetable so you sort and place bags correctly. Quick table: who to contact & what to bring TaskOrganisationWhat you’ll needID card addressIdentità (Identity Malta)e-ID card, ID10a, proof of address, new address detailsARMS servicesARMSForm A (new) or F (change), IDs, property detailsPostal redirectionMaltaPostRedirection form + supporting documentsDriving licenceTransport MaltaDRV010, ID copy, original licenceInternet/cableYour providerAccount details, new addressWaste scheduleLocal councilLocal timetable (check website/noticeboards) Step 2: Update your address After legal and utility updates, inform organisations that rely on accurate records. Healthcare Mater Dei Hospital and private clinics for appointments, letters, and records. Insurance Health and vehicle insurance providers so policies and claims stay valid. Employment & tax Malta Tax and Customs Administration; your employer for payroll, tax forms, and company communications (e.g., medical visits when you’re unwell). Subscriptions Newspapers, magazines, and any service delivering to your door. Practical tip: Keep a simple log (date, who you told, how you told them). It prevents duplicate letters to your old address and helps if something goes missing. Pending mail If packages are already in transit, inform the sender immediately to update the delivery address before dispatch or to set up a redirection. Proof pack Maintain a small folder (digital or paper) with: purchase deed or lease, latest ARMS bill, bank statement, and ID scans. You’ll reuse these across several updates. Step 3: Housing Authority schemes Check eligibility once you’ve settled in. First-Time Buyer (FTB) €10,000 one-time grant, paid as €1,000/year over 10 years. Must be your first primary residence and purchased through a bank loan. If only one applicant is a first-time buyer: €5,000 total (€500/year). Grant on First Residence (GFR) Covers a percentage of fiscal receipts for construction/finishing works. Max €5,824, paid in two instalments: shell works and finishing works. Subsidy on Adaptation Works (ADP) Up to €21,000 to refurbish old dwellings deemed sub-standard by the Housing Authority. Eligibility: property built ≥15 years before application; household annual income ≤ €27,635.60 for minimum refund; property must be your primary residence for at least 10 years from final payment. 💡 Tip: Read each scheme’s guidance carefully and keep all receipts. If you used a bank loan, keep your sanction letter handy as evidence for FTB. At-a-glance table SchemeWhat it supportsMax supportKey eligibility (per source)FTBFirst home purchase€10,000 (or €5,000 if only one applicant qualifies)First primary residence, via bank loanGFRShell & finishing works€5,824Based on fiscal receipts; two instalmentsADPRefurbishing sub-standard old homes€21,000Age ≥15 years; income cap; 10-year primary residence Step 4: Ministry for Finance - Restoration & Finishing Grant Grant on the Restoration and Finishing of Privately Owned Residential Properties Up to €54,000 for restoration and finishing if the property is: in an UCA (Urban Conservation Area), or built >20 years ago and vacant >7 years, or a new property built and finished as defined by the authority’s guidelines. Apply via servizz.gov. Valid until 31 December 2026. Who should consider it? Buyers restoring heritage homes in UCAs. Those tackling long-vacant, older buildings. Owners of newly built homes that meet the official “built and finished” criteria. How to prepare Keep architect plans, permits, receipts, and before/after photos neatly filed. Align your works with the grant’s eligible categories to maximise support. Step 5: Specialised “green” loans from banks Many banks offer specialised loans to fund energy-efficient upgrades and eco-friendly products, helping you reduce bills and emissions. Typically eligible items Renewables: solar water heaters, PV panels, wind turbines. Insulation & glazing: wall, roof, window, door insulation; double glazing. Efficient systems: heating/cooling (HVAC), efficient appliances (fridges, cookers with solid energy labels), efficient lighting. Water: restoration of domestic cisterns/wells. Common advantages (may vary by bank) Discounted interest rates Fast, flexible process No processing/commitment fees Full financing for eco purchases through dedicated personal loans How to proceed Ask your bank about green loan options. Collect quotations/invoices from suppliers (also needed if your finishing costs are drawn from loan funds). Align purchases with any REWS/BCA scheme timelines and Part A/Part B rules to combine benefits legally and effectively. Mini-glossary ARMS: The national provider for electricity and water services in Malta. UCA: Urban Conservation Area, an area with heritage value and specific planning considerations. EPC: Energy Performance Certificate, a rating of a property’s energy efficiency. Short FAQ Q1: Can schemes close before their stated end date? A: Yes. All schemes are budget-bound; if funds run out, applications may close early. Q2: Which ARMS form do I need? A: Form A for new services; Form F for change in consumer when services already exist. Q3: Do I need proof of address for the ID update? A: Yes, bring evidence such as an ARMS bill, bank statement, or your lease/purchase contract. In Summary Moving in isn’t just boxes and paint swatches, there’s important admin and real money on the table. Update your address and utilities, notify key organisations, and review grants for restoration, energy upgrades, and sustainable homes. Many schemes have deadlines and limited budgets, so apply early and follow the steps exactly. That’s a Wrap on the First-Time Buyers Blog Series! Want to revisit the full series? 📖 Chapter 1: Budgeting & Financing 📖 Chapter 2: Building Your Wish List 📖 Chapter 3: Viewing Properties Like a Pro 📖 Chapter 4: Making the Offer 📖 Chapter 5: The Promise of Sale 📖 Chapter 6: What Happens Before the Deed 📖 Chapter 7: Signing the Final Deed 📖 [Chapter 8: Life After Buying](You’re here!) 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.

Property Portfolio Support 03 November 2025

First Time Buyer Step 7 – Signing the Final Deed

What happens on the big day (and what to bring so nothing goes wrong) After months of planning, bank meetings, viewings, notary checks, and emails that said “just waiting on one more document” - your Final Deed Day has finally arrived. This is it. You’re about to officially own your first property in Malta. But before you celebrate, let’s make sure you know exactly what happens at the final deed signing, what to bring, and what to expect. Before signing, confirm with your notary that all conditions in the promise of sale have been met by both parties, and arrange a final inspection by your architect (especially for on-plan or newly finished homes) to ensure the property matches what was agreed. Step 1: Final checks before you sign Before booking the signing, ask your notary to confirm that every promise-of-sale obligation has been satisfied by you and the seller. This includes any documents, approvals, or conditions specified. Arrange a final inspection by your architect, particularly if you bought on plan or where finishing works were included, to verify that the property aligns with what the promise of sale states (e.g., completion level, agreed finishings). If anything is missing or unclear, raise it before the signing. Pre-signing checklist: Notary confirms all obligations under the promise of sale are fulfilled. Architect completes a final check (crucial for on-plan or recently finished properties). Any last questions on documents, payments, or handover are clarified with the notary. Step 2: Where you sign and what to bring If you funded the purchase with a home loan, the final deed is signed at the bank (for secured loans) with a representative from the bank’s legal team, or at the notary’s office. Confirm the venue and payment method for the balance in advance. What you should take ItemPurposePhoto ID (ID card, passport, or other official ID)Identity verificationPayment for balanceConfirm method with notary beforehand What the seller may need to bring ItemPurposePersonal IDIdentity verificationDocuments requested by notary (e.g., plans, permits)Compliance with the agreed termsEPC certificateEnergy Performance Certificate for the propertyAll keysHandover on completionReceipts for settled bills (e.g., ground rent, electricity, water)Proof there are no pending duesFinal compliance certificate (for on-plan / semi-finished / finished sales)Confirms works match approved permits and regulations On the day: The notary reads the final deed and explains its contents. It’s your responsibility to confirm everything aligns with earlier agreements. If anything is unclear or different, speak up before signing. Step 3: What happens during and immediately after signing If both parties are satisfied, you sign the final deed. At that moment, you become the legal owner - congratulations! As required by law, the notary pays the taxes due for both seller and buyer on their behalf and registers the property with the Public and Land Registry. On-the-day flow: Venue: bank (for secured loans) or notary’s office. Notary reads and explains the deed. Questions/clarifications handled on the spot. Both parties sign; balance is settled as agreed. Notary pays applicable taxes on behalf of buyer/seller and registers the deed. 💡 Good practice: Keep copies of the signed deed and any receipts you receive on the day. If something needs to be corrected later, it’s far easier with full records of what was signed and paid. Step 4: Costs you’ll settle after the final deed Once the deed is signed, you must settle several expenses. Confirm exact amounts and methods with your notary and bank in advance. Cost summary CostWhat it coversNotesOutstanding balance of pricePurchase price minus depositPay by the method agreed with the notaryRemaining stamp duty4% of the property priceFirst-time buyers: the first €200,000 of value is exemptNotarial feesProfessional fees for the transactionYou can estimate the cost using a dedicated calculator (link here)Architect feesProfessional services (e.g., inspections)Confirm with your architectAny unpaid process expensesAny remaining costs incurred along the wayAs applicableFinishing/furnishing payments (if applicable)Works or materials tied to your home/personal loanBank may require quotations/invoices and will either pay contractors/suppliers directly or credit your account 💡 Important for financed finishings/furnishings: If your finishing costs are part of your home loan (or a personal loan alongside it), provide the bank with quotations or invoices. The bank may then pay contractors/suppliers directly or, in some cases, pay funds to you. Mini-glossary Final deed: The contract you sign to transfer ownership and complete the purchase. Final compliance certificate: Confirms the property has been completed according to approved permits and regulations (relevant for on-plan/semi-finished/finished sales). EPC (Energy Performance Certificate): A document about the property’s energy performance. Public and Land Registry: Where the notary registers the property after signing. Short FAQ Q1: Where do I sign the final deed if I took a home loan? A: Either at the bank (for secured loans) with a bank legal representative present, or at the notary’s office. Q2: What if something in the deed doesn’t match what was agreed? A: Raise it immediately before signing. The notary will explain and can address discrepancies. Q3: Which stamp duty remains at this stage? A: 4% of the property price, with the first €200,000 exempt for first-time buyers. Q4: Who registers the property after signing? A: The notary pays the taxes due and registers the property with the Public and Land Registry. In Summary The final deed is the finish line - from final inspections and confirming obligations, to bringing the right documents, asking last-minute questions, and settling the remaining costs. The notary guides the reading and signing, pays the taxes on your behalf, and registers your new home. Take your time on the day, speak up if anything looks off, and tick off the cost items promptly. What final check will you ask your architect to confirm before you sit down to sign? What’s Next? Maintaining Your Property & Long-Term Tips In the final part of our First-Time Buyer Blog Series, we’ll talk about what to expect after buying - including common costs, ownership responsibilities, and grant opportunities you might still qualify for. Follow Property Portfolio for more guides, new listings, and Malta-focused property guidance. 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.

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