Different organisations in Malta offer a range of schemes and services for first-time buyers. These can primarily be grouped into two categories: schemes and incentives that help you purchase your first property, and those that provide support after purchasing your first property.
The schemes and incentives that help you purchase your first property are:
- Equity Sharing Scheme
- 10% Deposit Payment Scheme
- Social Loan Scheme
- First-Time Buyer Stamp Duty Exemption
- Grant for First-Time Buyers
- New Hope Scheme
- Relief from Income Tax and from Duty on Documents and Transfers on Certain Property Transfers Rules
The schemes and incentives that help you after you purchase your first property:
- First-Time Buyer Scheme
- Grant on First Residence Scheme
- Subsidy on Adaptation Works
- Reverse Osmosis (RO) Scheme (Purchase of Water Purifying Equipment)
- Roof Insulation and Double Glazing (Retrofitting) Scheme
- Domestic Cisterns Restoration Scheme
- Renewable Energy Sources Scheme
- Tap Water Scheme
- Water Heater Scheme
- Grant on the Restoration and Finishing of Privately Owned Residential Properties
- Buy Sustainable Property Scheme
- Irrinova Darek – Residential Renovation Grant Scheme
- Irrestawra Darek u l-Villaġġ
Citizenship requirements differ between schemes. Maltese citizenship is not necessarily a requirement for every scheme. Applicants should check the specific eligibility criteria of the scheme they are interested in to determine whether they qualify for that scheme or not.