Malta is a tiny island just south of Sicily, which is south of Italy. It sits in the Mediterranean sea between Sicily and Libya. It’s 80km south of Italy and 333 north of Libya. It’s part of Europe and part of the EU. I moved to Malta from the UK back in 2010 and when I started telling people most of them had no idea where Malta was, what language they spoke, what the climate was like or what exactly I was getting myself in for. I will answer these questions for you!

After bills are paid, money is transferred into the pension and some extra set aside for savings or investments, I always make sure there is a little bit left over to donate to those who need it. You never know what is around the corner and our fortunes can change at any moment, so rack up those karma points and give when you can, as you never know when you might be the one on the other end.

During a global pandemic, 3 weeks before Christmas has to be the worst time to be looking for a new job in 2020, so I’ve writing this post hoping to offer some tips and advice on what to do next.

There are some things I like about the property purchase process in Malta, like the promise of sale period, where the property is taken off the market and cannot be sold to someone else, whilst you arrange everything from architects reports to getting the loan. What I do not like is that NO ONE that you deal with will be transparent or knowledgeable. No one will be able to tell you what the process looks like or entails or costs from start to finish. No one will be proactive and once each step is complete you’ll need to continually chase your loan manager to find out what’s next.

I recently bought a apartment and my biggest frustration along the way was not know WTF was going on. No one could really spell out to me, before I started, what the exact steps are and what this shit is going to cost me. All I knew was what deposit amount I needed to save for and the monthly repayments I’d be signing up to. So I decided to collect everything I experienced during the process and list it here to help the next poor sod trying to plan for this massive investment.