Direct Answer
Stamp duty in Malta is 5% of the property purchase price. First-time buyers pay 3.5% on the first €200,000 and 5% on the remainder. There are also reduced rates for properties in Urban Conservation Areas (UCAs) and other exemptions.
The standard stamp duty (duty on documents and transfers) in Malta is 5% of the higher of the purchase price or the market value. This applies to all buyers except those qualifying for exemptions.
First-time buyers in Malta pay a reduced rate of 3.5% on the first €200,000 of the purchase price, and 5% on any amount above €200,000. This applies only to properties that will be your primary residence and that you have not previously owned.
Properties in designated Urban Conservation Areas (old town centres and historic villages) attract a reduced stamp duty of 2.5%. This is to incentivise investment in Malta's historic building stock.
A provisional stamp duty (1% of purchase price) is paid when the preliminary agreement (konvenju) is signed. The balance is due at final deed. Your notary handles the payment to the Inland Revenue.
Beyond stamp duty: notary fees (1–2% of purchase price), architect's fee for valuation (varies), agency commission (1–2%, sometimes paid by seller), AIP permit fee (if applicable), and land registry registration.
The djar.ai mortgage calculator includes Malta stamp duty in its calculations, allowing you to see total purchase costs alongside estimated monthly repayments.
Yes — the 5% rate applies to both. However, VAT (18%) applies to new-build properties instead of stamp duty in some circumstances. Seek specialist tax advice for new builds.
No — stamp duty must be paid in cash at completion. It cannot be financed through a mortgage.
Yes — transfers between spouses, inheritance properties, and properties received as gifts can attract different or zero stamp duty rates. Consult a Maltese notary for your specific situation.
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