Yes. EU citizens who have lived in Malta for 5+ years can buy freely. Those with less than 5 years residency can buy one property as a primary residence. Non-EU nationals must apply for an AIP permit. Properties in Special Designated Areas (SDAs) like Tigne Point and Portomaso are exempt from AIP requirements.

Main costs: 5% stamp duty (waived for first €175,000 for first-time buyers), notary fees (1-2.5%), legal fees, and surveys. Budget 6-8% of the purchase price for all costs combined. Agency fees are typically paid by the seller.

As of 2026: Sliema and St Julian's: €3,500-€5,500/m². Gzira and Msida: €3,000-€4,500/m². Mosta and Naxxar: €2,200-€3,200/m². Gozo: €1,800-€2,800/m². Prices vary significantly by property type, floor level, and views.

No, but many buyers use mortgages. Maltese banks offer up to 90% loan-to-value for residents and first-time buyers, and up to 70% for non-residents. Interest rates are competitive. Pre-approval is recommended before signing a promise of sale.

A Konvenju is a legally binding preliminary contract signed before a notary. It requires a 10% deposit. If the buyer withdraws without valid reason, they forfeit the deposit. If the seller withdraws, they must return double the deposit. The final deed follows within 3-6 months.