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First-time Buyers Consultation

Purchasing your first property is a significant milestone. At KUBU, we provide professional guidance throughout this journey, ensuring you make informed decisions with clarity and confidence.

Navigate Your Property Journey with Confidence

Pre-Purchase Services

Our comprehensive pre-purchase services include structural evaluations that identify critical defects, technical due diligence focusing on structural integrity and planning compliance, and analysis of renovation potential for proposed modifications. We provide realistic cost estimations for required works to ensure accurate financial planning before acquisition.

Regulatory Compliance

We conduct planning feasibility studies to assess development potential within current regulations and offer consultations on potential planning restrictions before purchase commitments. Our compliance guidance covers building regulations, sanitary requirements, and accessibility standards. We also provide the mandatory Energy Performance Certification required for property transactions.

Implementation Services

Following purchase, we offer architectural design services tailored to specific requirements and budgetary constraints. Our structural expertise ensures all modifications meet safety and regulatory standards. We manage planning applications and provide comprehensive project management from concept to completion, including regular site inspections to maintain quality control.

Documentation Requirements

Bank and Financial Insitutions Requirements

  • Property Valuation Report - Market value assessment required for mortgage approval
  • Structural Condition Assessment - Technical evaluation of building integrity
  • Renovation Cost Analysis - Itemised cost projections for renovation financing
  • Bank Forms - Completed as required by the lending institution

Notary Documentation Requirements

  • Land Registration Site Plan
  • Schedule 8
  • Property Survey (when required)
  • Verification of Property Planning Compliance (when requested)
  • Energy Performance Certificate (EPC)
Our structured approach begins with requirements assessment and budget analysis, followed by a comprehensive technical evaluation of the property. We then develop tailored solutions that address identified issues while navigating regulatory requirements. All necessary technical documentation will be prepared for financial institutions, legal transactions, and planning authorities. We provide architectural and structural design services for implementation phases with continuous technical oversight.

First-Time Buyers FAQ

Answers to frequently asked questions by first-time buyers.

The property purchase process typically involves finding a suitable property, making an offer, signing a preliminary agreement (konvenju), conducting due diligence, securing financing, and signing the final deed. As Periti, we assist with technical assessments, documentation, and ensuring the property meets your requirements before you commit to purchase.

From signing the preliminary agreement to the final deed, the process typically takes 3-6 months. This allows time for due diligence, securing financing, and addressing any issues. Planning for renovations or alterations may extend this timeline.

Beyond location and aesthetics, assess structural integrity, plumbing and electrical systems, damp issues, and renovation potential. Our pre-purchase assessment service helps identify these technical aspects that might not be immediately visible.

Our structural assessment service identifies critical issues before purchase, including foundation problems, rising damp or water ingress, roof deterioration, modifications to load-bearing walls, subsidence, previous substandard renovations, and structural cracks (as distinct from cosmetic surface cracking). By detecting these common structural concerns early, clients can avoid significant costs and complications that would otherwise arise post-acquisition.

No, load-bearing walls are essential for structural integrity. Removing or modifying these requires professional structural engineering design and often reinforcement measures. As architects and structural engineers, KUBU can accurately identify which walls are load-bearing and provide solutions for open-plan designs while maintaining structural integrity.

Our structural assessments include visual inspection of accessible structural elements, identification of cracks and deformation, assessment of foundation conditions where visible, examination of roof structures, and evaluation of previous structural modifications. For properties with significant concerns, we may recommend more detailed investigations, including non-destructive testing.

Most significant renovations require planning permission, though some minor internal works may fall under permitted development. Structural changes, facade alterations, and changes of use typically require planning approval. Properties in Urban Conservation Areas (UCAs) have additional restrictions. We can advise on specific requirements for your property.

Properties in UCAs have stricter regulations regarding facade alterations, materials, window designs, and structural modifications. Traditional features often need to be preserved, and any changes must be sympathetic to the building's historical character.

An EPC evaluates a property's energy efficiency and is legally required when selling or renting a property. As registered EPC assessors, we can provide this certification. The EPC provides two ratings: energy use on a scale from 0kWh/m2.yr to 280kWh/m2.yr and carbon dioxide emissions from 0 kg/m2.yr to 70 kg/m2.yr. A lower rating means better energy efficiency and less carbon emissions.

Renovation costs vary significantly depending on the property's condition and desired changes. Factors affecting costs include the extent of structural work required, quality of finishes, and complexity of service installations. We provide detailed cost estimates as part of our pre-purchase consultation service.

Older properties, particularly those over 50 years old, often require updated electrical systems, modern plumbing infrastructure, damp treatment, roof repairs or replacement, and structural reinforcement to accommodate contemporary living standards. Our technical assessments identify these potential costs before purchase, allowing clients to make informed decisions and develop accurate budgeting for necessary improvements.

Disclaimer

This information is provided for general guidance only and does not substitute professional consultation with a warranted Perit. Property-specific circumstances require personalised advice. Planning regulations and policies in Malta are subject to change.
Navigating your first property purchase? Contact us for expert guidance toward a confident investment.
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