Whether you’re buying your first home, investing in property, or relocating to Malta or Gozo, understanding the buying process is key. This guide walks you through each step — from finding your property to collecting the keys.
Welcome to Your Next Home or Investment
🔍 Step 1: Define Your Goals
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Are you buying to live, rent, or invest?
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Prefer city life in Malta or the peaceful charm of Gozo?
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What’s your budget and timeline?
📌 Explore our Properties for Sale to compare options.
💼 Step 2: Work with a Trusted Developer
Choosing an experienced developer ensures:
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Transparent pricing
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Quality construction
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Reliable after-sales support
Camfam Developments is known for high-quality builds and works closely with Camfam Turnkey Limited for custom finishing solutions.
📄 Step 3: Promise of Sale & Legal Checks
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A Promise of Sale (Konvenju) is signed with a 10% deposit
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A licensed notary handles all legal checks: title, permits, and searches
🔹 Foreign buyers may need an AIP permit
🔹 Notary fees are approx. 1%
💰 Step 4: Costs & Taxes
| Item | Estimate |
|---|---|
| Deposit | ~10% of price |
| Stamp Duty | 5% (1.5% for first-time buyers) |
| Notary Fees | ~1% |
| Architect (optional) | ~0.5–1% |
🏗️ Step 5: Off-Plan & Finishing Options
Buying off-plan? You benefit from lower pricing and layout flexibility.
Camfam also offers turnkey finishing services via Camfam Turnkey Limited, fully customised to your taste and budget.
🗝️ Step 6: Final Deed & Handover
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Final contract signed in front of a notary
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Remaining balance paid
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Keys handed over — you’re now the legal owner
📈 2026 Budget Highlights for Buyers
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€10,000 First-Time Buyer Grant (over 10 years)
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No tax on purchases in Urban Conservation Areas (UCA)
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Up to €40,000 Gozo UCA Grant
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Expanded deposit schemes & equity support for younger buyers
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Continued stamp duty relief on inherited property
These measures reduce upfront costs and boost confidence — especially for Gozo properties.
💬 Common Questions
Can foreigners buy property? Yes, with some permit rules.
Are there tax benefits? Yes — especially for first-time and UCA buyers.
Can I buy remotely? Yes, through power of attorney.
Can I rent it out? Long-term freely; short-term requires a licence.
✅ Ready to Begin?
We guide you from property selection to key handover — with quality construction, flexible finishing, and expert support.
