Owning your first home is an exciting milestone, and with the right guidance, it can also be a smooth and rewarding experience. In Malta, several support schemes exist to assist first-time buyers, making it easier to take this important step. Understanding these options is essential for making informed decisions.
At Tribelle Developments, we guide buyers throughout the process, helping them understand their choices and move forward with confidence. Here’s a closer look at two key schemes: the Equity Sharing Scheme and the 10% Deposit Payment Scheme.
Equity Sharing Scheme – Frequently Asked Questions
What is it?
The Equity Sharing Scheme, managed by the Housing Authority, allows eligible buyers to share the cost of a property. Buyers pay 50% upfront, while the Housing Authority finances the remaining 50%, repaid interest-free over 20 years.
Who can apply?
Applicants aged 25 and over, including those early in their careers, and separated individuals buying a new home, can apply.
Property limits:
Most applicants can purchase properties up to €200,000 under the scheme, while separated buyers have a limit of €350,000.
Repayment:
The Housing Authority’s share is repaid over 20 years, interest-free, helping buyers manage finances while building long-term security.
Why it’s beneficial:
- Reduces the size of the bank loan
- Offers interest-free, structured repayment
- Provides a realistic and achievable path to homeownership
10% Deposit Payment Scheme – Frequently Asked Questions
What is it?
This scheme supports first-time buyers at the start of their purchase. Instead of paying the deposit upfront, buyers can finance it through a structured personal loan.
Who is eligible?
First-time buyers aged 21–39 purchasing a primary residence can benefit.
How it works:
- A local bank covers the 10% deposit
- The loan is repaid over 25 years
- Interest is covered under the scheme, so buyers repay only the deposit
Property value limit:
Eligible properties now go up to €250,000, expanding options for first-time buyers.
Why it matters:
The 10% Deposit Scheme makes the initial stages of homeownership manageable and easier to plan for, especially when paired with professional guidance.
How Tribelle Developments Supports First-Time Buyers
Navigating support schemes can be complex, and understanding how they apply to your situation is crucial. At Tribelle Developments, we don’t just deliver homes — we provide guidance at every step:
- Personalized advice on which schemes suit your needs
- Assistance with eligibility requirements and documentation
- Properties designed for first-time buyers, aligned with scheme thresholds
- Practical support through our network of banks, notaries, and professionals
Buying your first home should feel exciting and reassuring. Tribelle Developments ensures the journey is clear, structured, and well-supported, helping you make confident decisions.
Ready to buy your first home? Contact Tribelle Developments today and take the next step toward owning a property that’s right for you.