Pedament guides
Malta property guides
Free tools, live market data and plain-English guides. The market numbers below update themselves — from 15+ agency feeds and official NSO statistics.
Start with a number
Answer the money question first
Three free tools that turn the money questions — what it's worth, what you can borrow, what you can rent — into actual figures. No sign-up.
What is this property worth?
An instant indicative range for any Maltese property, computed from live comparables across 15+ agency feeds — the same engine behind Pedament Pro.
How much can I borrow?
The affordability rules Maltese banks actually apply — stress-tested rate, term, deposit and monthly repayment.
Open the loan calculatorFree toolWhat rent can I afford?
The 30% rule plus your real move-in cost — deposit, agency fee and first month, itemised.
Open the rent calculatorRight now
What's changing in Malta property
Budget 2027: the property pledges on the table
What the first budget after the election could change — a first-time buyer exemption up to €300k, an interest-free loan of up to 25% — what Labour and the Nationalist Party each say about housing, and the grants that expire on 31 December 2026.
Election 2026: PL vs PN property promises
Every housing, planning and real-estate pledge, side by side — now the scorecard for holding the winner to their word.
Read the comparisonThe Central Bank's construction findings, checked
Six claims from the Bank's survey of 141 firms, tested against the planning register and NSO data. Three hold up. Three do not.
Read the checkThis slot only ever holds what's current — expired briefings rotate out, so the page never fossilises.
The data desk
Malta's market, in live numbers
Four self-updating datasets — asking prices from 15+ agencies, official declared values from NSO Malta, all in one place.
Malta property market stats
Listings added, removed and re-priced across every locality — with a price heatmap.
Refreshed dailyDashboard →Malta rental market stats
Asking rents by locality and bedroom count, aggregated from 15+ agencies.
Refreshed dailyDashboard →Malta property in numbers
Real declared sale values plus the promise-of-sale pipeline — straight from NSO Malta.
Latest NSO releaseDashboard →Transactions by locality
Monthly deeds and promise-of-sale counts for every Malta & Gozo locality — the forward-looking pipeline view.
NSO NR-142Browse all 68 →The library
Guides for every step
Filter by what you're actually doing — every guide is written for Malta, not adapted to it.
Malta first-time buyer guide
Start here0% stamp duty to €200k, the €10,000 grant, who qualifies, the timeline — and the pitfalls.
Malta second-time buyer guide
The replacement-of-residence refund — up to €4,300 back — and the 12-month sell-and-buy window.
Cost of buying property in Malta
Every cost beyond the price tag — with worked totals at €250k, €400k and €700k.
How long it takes to buy in Malta
Offer to keys in 3–5 months — the konvenju, the searches, the deed, and what causes delays.
Promise of sale vs final deed
What's binding, the 10% deposit, the 21-day rule — and your remedies if the other side walks.
Special Designated Areas (SDA)
Where foreign nationals buy without an AIP permit — every approved development, with live stock.
Urban Conservation Areas (UCA)
Heritage homes: reduced stamp duty, restoration grants, and the planning rules before you exchange.
New construction projects
Every off-plan development with a stated completion date — sorted by soonest delivery, by locality.
Renting in Malta — a tenant's guide
Your rights under Cap. 604 — registration, minimum terms, rent-increase caps, deposits, ending a lease.
Cost of renting in Malta
Deposit, agency fee, first month and bills — worked move-in totals at €900, €1,400 and €2,200/mo.
Malta property market stats
Asking prices, weekly listing volume and locality breakdowns from 15+ Malta agencies.
Malta property in numbers
What buyers actually paid: NSO transaction prices, quarterly deeds and the asking-vs-actual gap.
Transactions by locality
Monthly deed and promise-of-sale counts for all 68 Malta and Gozo localities.
Malta rental market stats
Median rents by locality and bedroom count, plus how asking rents have moved.
Construction report 2026
Six claims from the Central Bank's survey of 141 firms, tested against the planning register and NSO data.
Best property websites in Malta
Aggregators vs agencies: all 17 major Malta property sites, mapped and compared — with who each one is for.
Reference
Speak the language
Konvenju. Ċens. AIP. Emphyteusis. SDA. Kuntratt.
Forty-plus Malta-specific property terms, each explained in plain English with a deep-linkable anchor — send someone straight to the one they asked about.
The full index
Everything above, plus every sub-page — on one crawlable list.
Areas & rules
A new guide lands every month — request a topic at [email protected]