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Malta Property Market Trends for 2025
Published on March 10, 2025 by Ownerlist.xyz
Understanding Agent Fees in Malta
- Real estate agent fees in Malta typically range from **3.5% to 5%** of the property's selling price, with VAT added on top.
- These fees are usually paid by the seller, but can be negotiable depending on the agency and specific terms.
- Sole agency agreements often reduce the commission rate to **3.5%**.
Taxes on Property Purchase in Malta
- Buyers pay a **5%** stamp duty on the property's purchase price, with some reductions available for first-time buyers and properties in Gozo.
- As of the 2025 budget, stamp duty is reduced to **1.5%** for the first **€400,000** of properties in UCAs or those vacant for seven years or more.
- No annual property tax is levied in Malta, but capital gains tax may apply when selling.
First-Time Buyer Schemes in Malta
- First-time buyers can receive a **€10,000 grant** over ten years, provided the property is their main residence.
- Additional grants of **€15,000** for properties in Malta and **€40,000** for those in Gozo are available for UCA or vacant properties.
- The Housing Authority offers an interest-free loan to cover the 10% deposit for first-time buyers.
Urban Conservation Area (UCA) Scheme
- The UCA scheme offers reduced capital gains tax and stamp duty incentives for properties in designated areas.
- Properties must meet specific criteria, such as being within the first **€750,000** of the property's value.
- First-time buyers can benefit from additional grants when purchasing UCA properties.
Direct Property Marketplace: OwnersList.xyz
- OwnersList.xyz is a Telegram-based platform connecting buyers directly with property owners, eliminating agent fees.
- Users can set specific property criteria and receive alerts for matching listings.
- The platform offers a modern and cost-effective way to navigate the Maltese property market.
Benefits of Using OwnersList.xyz
- Cost savings by avoiding traditional agent fees.
- Direct communication between buyers and sellers for faster negotiations.
- Efficient and customizable search features for finding ideal properties.