Buying a Holiday Home in Malta: A 2025 Guide for EU and Non-EU Buyers

If you are considering buying a holiday home in the Mediterranean, Malta continues to stand out as a destination of choice. In 2025, this island nation offers an attractive combination of lifestyle, location, and property value. With its warm climate, rich history, and stable real estate market, it is no surprise that Malta homes for sale are attracting interest from both EU and non-EU citizens.

For buyers who are looking for a second home, a future retirement property, or a smart investment with strong rental potential, Malta presents a compelling case. However, the process of purchasing a property to buy in Malta will depend on a few key factors, including your nationality, intended use of the property, and the type of property you plan to buy.

Why Buy a Holiday Home in Malta

Malta offers several advantages that make it especially appealing to international property buyers. First and foremost, the island enjoys a mild climate with more than 300 days of sunshine each year, which makes it ideal for those seeking a year-round destination. English is an official language, which simplifies legal, financial, and daily communications for many foreign nationals. The healthcare and education systems are well-developed, and the islands are well connected to the rest of Europe and beyond through regular international flights. In terms of real estate, Malta offers a diverse mix of modern developments, traditional homes, and luxury properties. Steady property prices and growing rental demand, particularly during peak travel seasons, have contributed to the island’s strong reputation as a destination for both lifestyle and investment

Can Foreigners Buy Property in Malta?

Yes, foreigners can buy property in Malta. However, the rules and conditions vary depending on whether the buyer is a citizen of an EU country or not. EU citizens who have lived in Malta continuously for at least five years can purchase property without restrictions. For those who do not meet this residency requirement, the rules depend on the purpose of the purchase.

EU citizens looking to buy a property as their primary residence in Malta do not need a special permit. However, if the purchase is intended as a secondary residence or investment property, they will generally need to obtain an Acquisition of Immovable Property permit, commonly known as an AIP permit. The exception to this is when the property is located in what is known as a Special Designated Area, where no permit is required and there are no limits on how many properties a buyer can acquire.

For non-EU citizens, the process includes more restrictions. An AIP permit is typically required for any purchase unless the property is in a Special Designated Area. In most cases, non-EU buyers are only permitted to purchase one property in Malta. Additionally, minimum property value thresholds may apply, depending on the location and type of property being purchased.

Understanding Special Designated Areas in Malta

Special Designated Areas, commonly referred to as SDAs, are premium developments that are open to unrestricted foreign ownership. These areas offer a straightforward purchasing process and have been created to attract international investment. They are typically located in sought-after locations and offer modern amenities, secure environments, and strong rental appeal.

Examples of Special Designated Areas include Tigné Point in Sliema, Portomaso in St Julian’s, Fort Cambridge, and Smart City in Kalkara. These developments are known for their high build quality, seafront views, and on-site services such as fitness centres, pools, and concierge support. For buyers looking for hassle-free ownership and the ability to let the property without restriction, SDAs offer a very attractive path forward.

Types of Holiday Homes Available in Malta

The Maltese property market caters to a wide range of preferences and budgets. Buyers can choose from contemporary apartments with sea views, often located in coastal towns or SDAs. These are popular among those seeking low-maintenance living or a property with strong rental income potential.

Alternatively, those drawn to Malta’s rich history may prefer a traditional townhouse in a historic village core. These homes often feature limestone walls, timber balconies, and internal courtyards. Many have been carefully restored to blend heritage charm with modern comfort.

For those looking for more space and privacy, villas with private pools and scenic views are also available, particularly in less urbanised areas of Malta or on the island of Gozo.

Steps to Buying Property in Malta

The buying process in Malta is transparent and well-regulated. It begins with defining your budget and identifying the location that best suits your needs. Working with a licensed and experienced real estate agent is essential. A local agent will not only help you find the right property but also assist with paperwork, negotiations, and permit applications.

Once you have chosen a property and agreed on the terms, the next step is signing a Promise of Sale agreement, known locally as a konvenju. This document is drawn up by a notary and outlines the terms of the transaction, including the timeline and any conditions. The notary will then carry out the necessary due diligence, including checking the title and any encumbrances.

If an AIP permit is required, the application must be submitted and approved before the final contract can be signed. Once all legal checks are completed, the final deed is signed and ownership is transferred.

Is It a Smart Investment?

Holiday homes in Malta offer more than just a seasonal retreat. Thanks to the country’s limited land availability, growing tourism sector, and strong rental demand, well-located properties tend to hold or increase in value over time. Properties in prime locations or within Special Designated Areas also perform well in the short-let market, particularly during summer and holiday periods.

Start Your Search with RE/MAX Malta

Whether you are browsing Malta homes for sale or ready to move forward with a purchase, the right support makes all the difference. At RE/MAX Malta, we provide expert guidance from the first viewing to the final signature. With deep knowledge of the market and access to the latest listings, we make your buying journey smooth, informed, and successful.

Looking for the perfect property to buy in Malta? Get in touch with RE/MAX Malta today and take the next step toward owning your ideal holiday home.