Your Perfect Home Journey Starts Here

First-Time Buyer? Enjoy Savings of Over €20,000 in Vouchers and Discounts with Our Package!

Guiding You Every Step of the Way

Buying your first home is an exciting journey, and we're here to ensure it's a smooth one. As your dedicated estate agents, we provide comprehensive guidance from start to finish. From finding the perfect property to engaging a notary and architect, obtaining a home loan, and much more. We will support you every step of the way until you finalise your purchase.

Exclusive Home Loan Perks with APS Bank

When you purchase your home through us and secure a home loan with APS Bank, you benefit from waived Booking, Processing, Bank Architect, and Legal Fees. Plus, APS Bank will contribute up to €250 towards your notary fees, making your home-buying process even more affordable.

Save Big on Furnishing Your New Home

After securing your new home, we will also help you make it your dream property. Enjoy an exclusive bundle of vouchers and discounts worth over €20,000 from top local furniture and finishing suppliers. Save big on everything you need to furnish your space beautifully. From bathrooms, tiles and kitchens to home appliances, bedrooms and soft furnishings we have got you covered.

PARTICIPATING OUTLETS

Refund of booking and processing fees, waiver of legal fees and Bank architect fees, and contribution of up to €250 towards notary fees (subject to the terms & conditions here)

5% extra on kitchen tops over and above standard discount at Seamless

30% discount on furniture atJoinwellFxb

20% discount on furniture at Ferraracasa

25% off on furnishings and soft furnishings at Fabulous Homes.

30% discount on kitchens at Miton

Free mattress with every complete bedroom, free dishwasher with kitchen & appliances, 25% on dining tables with chairs at StyleInterni

Get up to 35% off on one of Malta’s widest selections of lighting, switches & sockets, and electrical equipment from ESS.

35% off kitchens and furniture at DistinctHomes

400€ voucher + additional discounts, when spending a minimum net of €8,000 at Chateau d’Ax Casa

35% off on kitchens, sofas and furniture at CarmeloDelia

€20 voucher with every €100 spent at Focal Tech Malta on Home Security Solutions

20% off at Pitre Bathrooms, 10% off at Pitre Hardware

25% off on STOSA kitchens and 10% off furniture & soft furnishings at The Atrium

20% off wall art products at photociancio.com

30% off kitchens from Oxford House

35% off kitchens, 30% off custom-fit bedrooms, 20% off sofas, curtains and blinds, 15% discount on home accessories and furnishings at Orienta

30% off AEG and Electrolux white goods, home appliances, light fittings and light accessories at ITC

15% off natural stone, ceramic tiles, sanitary ware, mixers and ceramic/quartz surfacing at HalmannVella

10% off when spending a minimum of €1,000 or 15% off when spending a minimum of €5,000 on white goods at TripleA

10% on Appliances & Small Domestic Appliances

10% off on parquet, vinyl, laminate and decking flooring solutions, when spending €500 or over, plus free site visit at RLiving

30% off bedrooms, 20% off fabrics, carpets and blinds at B4 Group

20% off gres floorings, bathroom tiles and fittings at B&M

Spend €2000 and get 10% Discount

Spend €3000 and get 13% Discount

Spend €5000 and get 15% Discount

Terms and Conditions

Click here for full T&Cs on the individual offers from the participating outlets.

Discounts and vouchers will be available to first-time buyer clients of Frank Salt Real Estate for all promise of sale agreements signed up to the end of June 2026.

The exemption on stamp duty is offered by the Government of Malta and is not exclusive to purchases made through Frank Salt Real Estate.

APS Bank plc is licensed by the Malta Financial Services Authority as a credit institution. Applications are subject to the Bank’s lending criteria.

GasanMamo Insurance is authorised under the Insurance Business Act & regulated by the MFSA. Applications are subject to the insurance undertaking’s underwriting criteria.

Frank Salt Real Estate is not responsible for the products and services purchased by clients from the participating outlets.

Government Incentives For First-Time-Buyers

Stamp Duty Relief on the first €200,000

As a first-time buyer, you won't owe any stamp duty on the first €200,000 of the property price, saving you up to €10,000 (based on the standard rate of 5%). If you choose a property valued above €200,000, you'll only pay a 5% stamp duty on the amount exceeding €200,000.

€10,000 Home Loan Grant

First-time buyers are eligible for a one-time €10,000 government grant, distributed over 10 years (€1,000 per year). This grant will contribute towards your home loan, with applications required to be submitted by March of the year following the signing of the deed. The property must be used and occupied exclusively by the applicants as their ordinary residence. If the property is purchased by a couple and only one buyer is a first-time buyer, the grant amount will be €5,000.

Stamp Duty Exemption for Urban Conservation Areas (UCAs)

New homeowners in Urban Conservation Areas (UCAs) can qualify for an exemption on the first €750,000 of Malta’s Stamp Duty. Eligible properties must meet at least one of the following criteria: (i) Located in an Urban Conservation Area (UCA), (ii) Constructed over 20 years ago and vacant for more than seven years, or (iii) Newly built but showcases traditional, typical Maltese style and architecture.

VAT Return on Renovations and Restoration Works

First-time buyers can apply for reimbursement of certain expenses, up to a refund of €54,000, related to the restoration and finishing of their home. This applies to properties located within Urban Conservation Areas (UCAs), those built for more than 20 years and vacant for more than seven years, as well as new properties developed in conformity with specific criteria reflecting a ‘traditional’ element. Eligible costs include restoration and finishing works, such as materials, labor, equipment hire, professional fees, planning fees, and other government charges.

Grant for Purchasing in Village Cores

First-time buyers purchasing a home in an urban conservation area or a property built for at least 20 years, and vacant for at least the last seven years, are eligible for a further grant of €15,000 for Malta properties and €40,000 for Gozo properties.

Access our First-Time Buyer's Guide

We have put together a comprehensive guide, which will take you through the whole process of preparation, qualification, and legal issues that you will have to deal with when buying your first property.