Schemes have criteria
A scheme name is not proof of eligibility; age, dates, financing and applicant circumstances can matter.
Housing guide · Malta Life Guides
Malta First-Time Buyer Guide 2026: Grants, Deposit and Costs
Buying a first home in Malta involves more than the purchase price. Check your financing, deposit, stamp-duty position, notarial costs, eligibility for any Housing Authority scheme and the property's condition before committing. Scheme amounts and conditions can change, so use this as a decision checklist rather than an offer of financial advice.
Last checked: 15 August 2026. Rules, services, prices and timetables can change; confirm the relevant official source before acting.
First-home decision checklist
- Set a total budget that includes purchase, financing, tax, notarial and repair costs.
- Ask a bank or authorised adviser what evidence is needed for affordability.
- Check Housing Authority scheme eligibility directly before you rely on a grant or deposit support.
- Use a notary and arrange independent due diligence before signing a binding commitment.
What to know before you act
The purchase price is not the total
Plan for professional, financing, tax, insurance and property-condition costs as separate questions.
One official source is not enough
Check the scheme page, current conditions and the independent professional advice needed for the transaction.
Official sources to check
These links are the source of truth for current procedures, eligibility, amounts, deadlines and service changes.
- Housing Authority: First-Time Buyer Scheme
Current scheme information and application links. - Housing Authority: 10% Deposit Scheme conditions
Read the full current conditions before acting. - Commissioner for Revenue: Rates
Check tax and social-security material with the authority.
Freshness policy: Recheck before making an offer, signing a promise of sale or using any scheme amount in a budget.
Frequently asked questions
Is there a first-time buyer scheme in Malta?
The Housing Authority publishes a First-Time Buyer Scheme and its current terms. Check eligibility directly before applying.
Can the 10% deposit scheme help me?
The Housing Authority publishes conditions for its deposit scheme. Do not assume eligibility from a summary page.
Does this page calculate stamp duty?
No. Tax treatment is individual and should be checked with the Commissioner for Revenue and your notary.