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Buying your first home is a huge life achievement, but it can also be an overwhelming process.

Luckily, if you’re a first-time buyer in Malta, there’s great news: the government offers generous support to make that journey easier and more affordable.

One of the key benefits available is the Property Acquisition Grant, designed to give you a financial boost as you step onto the property ladder. Here’s how Malta supports first-time buyers like you:

What Is the Property Acquisition Grant?
This grant is a government initiative providing €10,000 to first-time homebuyers, paid in annual installments of €1,000 over 10 years. Think of it as a steady helping hand during those first crucial years of owning your home.

Who Qualifies for This Benefit?
You must have bought your first residential property after January 1, 2022.

The purchase must be made using a bank home loan.

The property should be your primary residence.

Applicants must be at least 18 years old.

Couples can apply jointly, but if only one is a first-time buyer, the grant amount is halved.

How Does the Grant Work?
The grant is paid once a year, every June, directly into the bank account used for your mortgage payments.

You must submit an application within specific deadlines depending on when you signed your property deed (e.g., by September 2023 if signed in 2022).

To continue receiving the grant, you’ll need to provide an annual bank statement of your loan account by March each year.

If you transfer the property before 10 years, the grant stops immediately.

Additional Benefits and Important Details
The scheme encourages responsible homeownership by tying payments to the mortgage loan.

If you bought a property jointly as a couple and one is not a first-time buyer, you’ll still get half the grant (€5,000 total).

There’s a small administrative fee of €25 for the application.

The scheme runs in annual cycles but is automatically renewed unless officially closed.

What Happens if Things Change?
If the mortgage loan is closed early, the grant payments stop.

If the property is sold or transferred, grant payments stop immediately.

If a couple separates and one keeps the home, that person continues receiving the remaining grant.

Why Is This Important for First-Time Buyers?
Buying your first home often means juggling finances, loans, and unexpected expenses.

The Property Acquisition Grant helps ease the financial burden by providing a steady, predictable income boost, making homeownership more accessible and less stressful.

Where to apply?
To apply, simply visit the official website of the housing authority and start from there. On the website, you will find all the necessary information on how to begin.

However, if you still have unanswered questions or would like assistance, we are here to help.

Just get in touch with us – we’ll be more than happy to assist you!