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Category: News

Buyers and investors will now be able to purchase properties from Sara Grech with Bitcoin, Ethereum, or Tether after agreeing a partnership with licensed Swiss exchange, XEROF.

Crypto has crashed like a wave on the world of Real Estate, but the tide has been rising for well over a decade.

Created in 2009 by a collective of anonymous cryptography and computer science experts under the alias "Satoshi Nakamoto", the early years of Bitcoin were steeped in mystery and speculation. However, today’s landscape shows a very different picture; from balance sheets in boardrooms to the auction of digital art pieces, cryptocurrencies are everywhere.

The very first Bitcoin Real Estate purchase was recorded in Texas, 2017. The agent representing the buyer was quoted saying, "In all of my 33 years of closing transactions, I honestly couldn't have expected something so unique to go so smoothly. In a matter of 10 minutes, the Bitcoin was changed to US Dollars and the deal was done!"

Sara Grech says that the decision to accept crypto reflects a clear desire for innovative payment methods from buyers, “Crypto is a reality that we all have to face, whether we’re ready or not. It opens up a whole new world of opportunity for buyers and investors who want to do crypto sales in a legal, transparent way.”

The pool of potential buyers is growing and acceptance for cryptocurrencies is increasing. There are now tens of thousands of Bitcoin network participants who hold the equivalent of more than $1mn in their digital wallets, globally. It’s hard to find an accurate number of crypto-users based in Malta, but with the iGaming industry continuing to prosper - cryptocurrency is definitely becoming a currency that’s here to stay.

How can I buy a property from Sara Grech with cryptocurrency?

We have always been known for proactively challenging ourselves at Sara Grech, in the hopes of pushing the Real Estate industry in Malta forward. Currently, we have been operating for 37 years, have 1952 listings and 100000+ contacts, hence the importance of providing extensive options of payment methods for our clients and consumers in today’s market.

If you would like to buy one of our properties with crypto and are looking for an easy and safe way, you need to first become a client of our partner XEROF. Which you can do online here, in three easy steps.

XEROF is a licensed Swiss exchange for cryptocurrency that accepts Bitcoin, Ethereum & Tether. With XEROF you can instantly convert your cryptocurrency to fiat, and they will settle the exchanged fiat currency directly with us. This allows for a seamless complete real estate transaction, without the need to transfer funds through multiple intermediaries. Contact us for more information or to get in contact with XEROF, visit www.xerof.com.

Which cryptocurrencies are accepted for real estate purchases?

Bitcoin, Ethereum and Tether are all accepted by XEROF to facilitate your property purchase. Bitcoin is the most well-known and widely used blockchain technology, with a strong track record of stability and security. Ethereum is another popular choice among investors, known for its fast transaction speeds and innovative smart contract capabilities. Tether is also a cryptocurrency that offers a level of stability and predictability, making it an appealing option for those looking to use their crypto to buy property.

Can you pay your rent with cryptocurrency?

Rent payments with cryptocurrency are a considerable innovation opportunity for Real Estate. Although we don’t accept cryptos as payment for rental properties yet, it’s slowly evolving, so watch this space!

Category: News

Stepping onto the property ladder can seem like a distant dream for young people living in Malta. However, with the latest government-backed financial scheme, buying a first home could be within closer reach than you think. 

If you are looking to step onto the property ladder for the first time, or already have done on or after 1 January 2022, you are now eligible for a €10,000 grant over the span of 10 years. The grant will go towards the payment of home loans for properties valued up to €500,000. 

Finance and Employment Minister Clyde Caruana also announced that previous schemes related to property purchases will be extended for the next two years, including tax reduction schemes for first-time buyers, second-time buyers and the purchase of property in Gozo. 

Not sure how you can benefit? We’ve summarised the property highlights outlined in this year’s budget plan, and the tax incentives that will still apply from last years, below:

  1. Stamp Duty Exemptions

First time buyers will still be exempt from paying Stamp Duty on the first €200,000. This increases to €750,000 and also extends to Capital Gains Tax when selling and purchasing a qualifying* property.

Property buyers in Gozo will continue to benefit from a reduced stamp duty fee of 2% until the end of 2024. 
Vendors looking to sell their home and move into another residential property, without owning any other property at the time, can receive a refund on stamp duty of up to €3,000.

  1. Grants

First-time buyer Gozitan couples who purchase qualifying* properties, will continue to receive a grant of €15,000 if the property is in Malta and €30,000 in Gozo. 

  1. Renovation Refunds

The government had announced last year that people who renovate qualifying* properties would receive a grant on the value of the VAT paid up to a maximum of €54,000 for the first €300,000 spent on restoration and finishing expenses. This will also be extended until 2024.


If you’re looking for a fixer-upper, we have a large number of traditional older-style properties to show you. Check out our full, selective portfolio here.

  1. Future Guidelines

New guidelines will be established and introduced next year relating to the quality and appearance of new properties, so that owners of these properties can also benefit from tax breaks and grants. 

Looking to get on the property ladder?

With 2,800 people already benefiting from these schemes, now might be the right time to consider getting on the housing ladder. 

In response to the 2023 budget announcement, Founder & CEO Sara Grech comments, ‘There was nothing small about the property measures introduced in this year’s budget, which will undoubtedly be welcomed by those in the process of buying. It is so important for Malta’s economic growth that we continue to encourage new buyers onto the ladder, but we need to ensure that this is being done in a sustainable way”.

So, ​if you are a first-time buyer or just looking to open the door of opportunity through government incentives, get in touch. We can keep you updated with suitable new properties as they come onto the market and help you start the home buying process. 

To read more about Malta’s 2023 budget measures, click here.

*Qualifying Properties: those built more than 20 years ago and which have been vacant for seven years; for properties within the Urban Conservation Area; for new properties that are built in typical and traditional Maltese style and architecture.