Buying Property in Malta: What You Need to Know Before Making the Move in 2025

The Maltese property market has long been a hotspot for both local buyers and international investors. With stable growth, high demand for quality homes, and Malta’s enviable Mediterranean lifestyle, 2025 is shaping up to be a pivotal year for those looking to buy property on the islands.

Whether you're a first-time buyer, an investor, or relocating to Malta, here’s what you need to know before making your move.

1. Understand the Current Market Landscape

As of 2025, Malta’s property market remains strong, especially in emerging towns like Zebbug, Qawra, and Marsascala. Demand is high for both modern apartments and traditional Maltese townhouses, with growing interest in energy-efficient and smart homes.

Key market trends:

Increased demand for sustainable developments.
Rising value in up-and-coming areas beyond the Sliema/St. Julian’s zone.
Higher competition for new builds with outdoor space.

Zanzi Tip: Be open to looking beyond the usual hotspots — hidden gems often offer better value and long-term growth.

2. Set a Realistic Budget (Including Hidden Costs)

Before falling in love with a seafront penthouse, get a clear understanding of your financial limits. In addition to the property price, factor in:

Stamp duty (typically 5%, with incentives for first-time buyers)
Notary and legal fees
Bank loan fees (if applicable)
Finishing or furnishing costs, especially for shell or semi-finished units

3. Choose the Right Location for Your Lifestyle or Investment Goals

Different areas offer different benefits:

Sliema, St. Julian’s, Gzira – Great for rental returns or business-minded buyers.
Mosta, Naxxar, Zebbug – Family-friendly with a community feel.
Gozo – Peaceful, scenic, and increasingly popular with remote workers.

Talk to your Zanzi Homes specialist about what area best matches your lifestyle, investment strategy, or future plans.

4. Get Pre-Approved if You’re Financing

If you’re planning to take a loan, it’s smart to speak to your bank early on and get a loan pre-approval. This gives you a clear price range and makes you a more competitive buyer when negotiating.

Zanzi Homes can connect you with trusted financial partners to guide you through the process smoothly.

5. Work with a Trusted Estate Agent Who Knows the Market

Having an experienced estate agent on your side is a game-changer. A Zanzi Homes agent can:

Recommend properties that meet your needs and budget
Navigate negotiations and paperwork
Coordinate viewings and even assist remotely if you’re abroad
Handle legal and compliance details

In 2025, with high competition for quality listings, it pays to have insider access and guidance.

6. Check the Property’s Condition and Legal Standing

Before committing, always check:

The property’s legal title and ownership
Permits for any alterations or extensions
Structural issues or need for renovations

A Zanzi Homes consultant will guide you through the due diligence process with the help of licensed notaries and architects, ensuring you’re buying with full confidence.