Housing Authority:
Click on each step to view what it entails.
Moving and Settling into your New Home
After moving into your newly owned property, you have some tasks to complete. These are:
- E-ID card
- A filled-out ID10a form with the details of your new residential address. You can print and fill out this form before visiting Identity Malta or at the premises.
- The new residential address
- Evidence of your new residential address, including a water and electricity bill, bank statement, lease or property purchase contract, and other necessary documents
Postal Address: Change your postal address by downloading the MaltaPost ‘Redirection of Postal Articles Form’ and handing it over in person at any post office together with all the required supporting documentation. You can access this form at https://www.maltapost.com/redirectionofmailscheme Applications received by post are not processed.
Pending Mail: If you have any packages in transit, contact the organisation sending you the package to inform them of the address change.
Update Driver Licence Address: Fill out Transport Malta’s DRV010 form and submit it with a copy of the identity card and the original driving licence card. For more information or to access the form, you can visit: https://www.transport.gov.mt/land/driving/driving-licence/changes-to-my-driving-licence-789
Internet and Cable Service: Contact your respective internet provider to transfer your existing services to your new address or create new ones.
Waste Collection Services: Familiarise yourself with your locality’s waste collection service timetable.
Other entities you should inform about the new residential address are:
- Healthcare providers (e.g., Mater Dei Hospital and private clinics)
- Insurance providers (e.g., health and vehicle Insurance)
- Employment records (e.g., Malta Tax and Customs Administration)
- Your employer for various purposes, such as payroll, tax documentation, and company communications (e.g., work doctor visits when you are sick)
- Physical subscription service providers (e.g., newspapers and magazines)
Post-Purchase Assistance: Schemes and Incentives
Once you have settled into your newly acquired property, go over the various government schemes and their eligibility criteria.
Housing Authority Schemes
The FTB scheme is a one-time grant of €10,000 paid over 10 years in yearly instalments of €1,000. The only two criteria to qualify for this scheme are that the property you acquired is your first primary residence and through a bank loan. Additionally, if only one of the applicants is a first-time buyer, the allocated one-time grant is €5,000, paid in yearly instalments of €500.
The GFR scheme covers a percentage of the fiscal receipts submitted by first-time buyers for construction or finishing works. The maximum allocated grant is €5,824, paid in two separate instalments, with the first covering shell work expenses and the second covering finishing work expenses.
The ADP scheme provides financial assistance of up to €21,000 to help individuals refurbish old dwellings deemed by the Housing Authority to be in a sub-standard condition so as to render them habitable and of an acceptable standard condition.
This scheme’s eligibility criteria require the purchased property to have been built for at least 15 years before the date of the application, and the household’s annual income must not exceed €27,877.92 for the applicants to receive the minimum refund. Additionally, the property must be used as your primary residence for at least ten years from the final payment date.
Regulator for Energy & Water Services (REWS) Schemes
Buyers purchasing reverse osmosis and water filtration systems to purify water at home can receive a grant to cover part of their costs. Buyers can apply through the REWS online application. This scheme is valid till 31st December 2026.
Buyers installing roof insulation and double glazing, both retrofitting, to reduce the consumption of energy can receive a grant of up to €1,000 for each installation. Buyers can apply through the REWS online application. This scheme is valid till 31st December 2026.
Buyers carrying out cistern restoration works to harvest and use the rainwater in their homes can apply for a grant of up to €1,000 to cover 50% of the total costs of restoration works and a further grant of up to €100 to cover the certification costs. Buyers can apply through the REWS online application. This scheme is valid till 31st December 2026.
Buyers purchasing photovoltaic (PV) or battery storage systems to reduce energy consumption or use renewable energy sources can benefit from a grant that covers part of the costs incurred for such purchases. There are four grant options available under this scheme. More information can be found by visiting the REWS website. Buyers can apply through the REWS online application. As of 11th August 2025, the REWS is no longer accepting Part A applications.
Buyers installing water filtration system equipment (activated carbon filters) to reduce the use of plastic water bottles can receive a grant of up to €100, covering 60% of the total costs. Buyers can apply through the REWS online application. This scheme is valid till 31st December 2026.
Buyers investing in water heating system equipment can benefit from a grant to partially cover the expenses incurred. This scheme supports the purchase of solar hot water systems, solar collectors, heat pump water heaters, and PVs (including boilers). There are three grant options available under this scheme. More information can be found by visiting the REWS website. Buyers can apply through the REWS online application. This scheme is valid till 31st December 2026.
❗All schemes are bound to a budget. Even though the schemes have a valid expiration date, their funds might be depleted before then, leading to the closure of their applications. Go through all the information and guidelines provided for each scheme before committing yourself to prevent missing out on a scheme due to a lack of information. For instance, most REWS applications consist of two parts. Part A must be completed before the equipment is purchased and installed, and Part B must be completed after installation.
Ministry for Finance Scheme
Buyers purchasing a property that falls under one of the following categories may receive up to €54,000 to cover restoration and finishing costs:
a) situated in an UCA area;
b) properties that have been built for more than 20 years and have been vacant for more than 7 years;
c) new properties built and finished as defined by the established guidelines and approved by the competent authority.
Buyers can apply through the servizz.gov online application. This scheme is valid till the 31st of December 2026.
Building & Construction Authority Schemes
This scheme promotes sustainable housing by providing grants to people purchasing an energy-efficient property. There are two types of grants under this scheme:
NET ZERO or LESS Grant:
Properties with an EPC Rating of 0 kWh/m²·yr qualify for a €9,000 grant, distributed over three years in annual instalments of €3,000.
Energy-Efficient Properties Grant:
Properties with an EPC rating at least 20% better than the latest Minimum Energy Performance Requirements (Document F) qualify for a €4,500 grant, distributed over three years in annual instalments of €1,500.
Buyers can apply through the servizz.gov online application. This scheme is currently closed and will relaunch in 2026.
This scheme supports energy-efficient upgrades aimed at improving the long-term sustainability of Malta’s building stock while reducing energy costs. Grants cover between 75% and 90% of eligible expenses, depending on specific eligibility criteria.
This five-year programme operates on a regional basis, with each region scheduled for coverage in different years according to the programme timeline. The eligible works include insulation, the replacement of apertures, the installation of PV systems, energy-efficient lighting, and HVAC system upgrades, among other energy-saving improvements. Financial support available under this scheme includes:
- Capital Grant: up to €15,000
- Professional Fees Support: €875 (refundable)
- PV Systems: 50% co-funding
- Solar/Heat Pump Water Heaters: Additional grant of up to €1,000.
Interested applicants with residential properties in the Southern Region must submit their applications through the Building & Construction Authority’s online application form between 19 January and 28 February 2026.
Planning Authority SCHEME
The Built Heritage Restoration Scheme provides financial support for maintenance and restoration of façades, including replacement of façade elements, of private residential heritage buildings and Grade 1 or Grade 2 scheduled residential buildings located within the Urban Conservation Areas (UCAs) of Gozo.
The scheme offers two types of grants, capped at:
- €15,000 for heritage buildings within a UCA
- €25,000 for Grade 1 or Grade 2 scheduled buildings
This scheme is available to owners, tenants, and emphyteuta of private residences used solely for private residential purposes.
Applicants can check the eligibility of their property through the following links:
- If it is scheduled: https://pa.org.mt/scheduled
- If it lies within a UCA: https://pamapserver.pa.org.mt/
The application process consists of two phases:
- Expression of Interest (Phase 1): Applicants must register their interest through the online form (https://registerformapplicants.pa.org.mt/) or by calling the Planning Authority’s front desk. The Expression of Interest must be submitted no later than 28th November 2025.
- Request for Funding (Phase 2): Eligible properties proceed to Phase 2, where an architect (Perit) submits the official funding request to the PA through the eApps system.
Specialised Loans
Are you looking to make your new home more energy-efficient and eco-friendly while reducing utility costs? You are in luck as many banks provide specialised loans for the purchase of energy-efficient products and appliances in support of a greener and more sustainable environment to reduce carbon dioxide emissions.
The following products are typically eligible under these specialised loans:
- Renewable energy systems: Solar water heaters, PV panels, and wind turbines
- Insulation and double-glazing products: Wall, roof, window, and door insulation
- Energy-efficient heating & cooling systems
- Energy-efficient appliances: Refrigerators and cooking devices with a satisfactory energy efficiency label
- Energy-efficient lighting systems
- Restoration of domestic cisterns/wells
While the benefits of such loans may vary from one bank to another, here are some of the main advantages:
Discounted interest rates
Fast and flexible process
No processing and commitment fees
Full financing for eco-friendly purchases through dedicated personal loans
Step-by-Step Guide for First Time Property Buyers
This step-by-step guide is also available for download through the button below.
