Searching for a property to buy in Malta? What to check before you commit

Looking for a property to buy in Malta can be exciting and daunting in equal measure. At PLAN Homes, we appreciate that for you it’s a big step, whether you’re searching for your first home or your next investment. But with all the paperwork, viewings, and details to double-check, it can also feel a little overwhelming and potentially lead to missing out on asking important questions.

That’s why we’ve put together this friendly, easy-to-follow checklist to help you make informed decisions and avoid surprises along the way.

1) Check the title and ownership

Before you fall in love with a property, make sure everything is clear from a legal point of view. Your notary can carry out what’s known as “property searches” through the Public Registry or Land Registry to confirm who owns it and whether there are any mortgages or claims attached to it.

We suggest that you ask to see a recent copy of these searches so you know the property is free from any encumbrances.  

2) Make sure all permits and certificates are in place  

In Malta, every property must have the right planning permits and, where applicable, a completion certificate or an architect’s (perit’s) declaration confirming the building is finished according to the permit.

If you’re buying a new home, the developer or seller should have these documents ready for you to review. Missing paperwork can delay things later, so it’s worth asking early on.

3) Look beyond the surface — get a professional check 

Even if the property looks great, it’s smart to have a qualified perit or structural engineer inspect it. A professional survey can uncover hidden issues like damp, cracks, or roof problems that might not be obvious during a viewing.

If you’re buying an older home or one that’s been renovated, this step can save you a lot of stress (and money) later. 

4) Ask about energy performance 

Energy Performance Certificates (EPCs) are a useful way to understand how efficient a property is. They show how much energy a home consumes and can also help you plan for future upgrades or improvements.

Properties with higher energy ratings are usually more comfortable and cost-effective to maintain, something to keep in mind if you’re comparing options.

5) Budget for more than the purchase price  

It’s easy to focus on the selling price, but remember to include additional costs like stamp duty, notary fees, and registry fees. Your notary can give you an estimate so you know exactly what to expect before signing your konvenju (promise of sale).

Being prepared with the full picture helps you stay within budget and avoid last-minute surprises. 

6) Buying in a block? Review the shared costs

If you’re looking at an apartment or maisonette that forms part of a condominium, ask about the service charges, how common parts are managed, and whether there’s a maintenance fund in place.

It’s worth knowing how things are handled before you move in; especially when it comes to lifts, cleaning, or repairs to shared spaces.

7) Confirm utilities and surroundings

Double-check that the property is connected to water, electricity, and drainage systems, and that there are no outstanding utility bills. While you’re at it, visit the area at different times of day. You’ll get a better feel for parking, traffic, noise, and what the neighbourhood is really like.

If you can, talk to neighbours – they’re usually the best source of honest information!

8) Planning to rent it out later? Check the rules

If you’re buying with rental income in mind, make sure the property is eligible for the type of rental you have in mind. Short-let properties (for tourists) require a licence from the Malta Tourism Authority, while long-let rentals have their own set of rules and tax rates.

Your notary or the PLAN Homes team can guide you through what applies to your situation.

9) Review all documents together

Once you’ve gathered all the necessary paperwork, including title deeds, planning permits, EPC, and service charge records (if applicable) — go through them with your notary.

At PLAN Homes, we make this step simpler by providing all documentation upfront and explaining it clearly, so you know exactly what you’re buying.

10) Take your time — but stay ready to act

Good properties in Malta tend to move fast, especially in sought-after locations. Do your homework early so that when the right home comes along, you can move forward confidently.

At PLAN Homes, we make sure every development we offer is fully compliant and ready to view. We’ll also guide you through each step — from understanding permits and certificates to connecting you with notaries and architects who can help.

Buying directly from PLAN Homes

When you buy directly from PLAN Homes, you skip the middleman and get all the information straight from the source. Our developments come with transparent documentation, clear pricing, and personal guidance from our team.

Whether you’re still comparing options or ready to buy, we’re here to help you make sense of the process and find the home that’s right for you. Ready to explore your options? Visit planhomes.com.mt/contact-us and let’s start planning your next move.