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Investing in Scottish property from Malta

In short: Gauci Magri & Partners is a Maltese property firm with offices in Qormi, Malta, and in Glasgow. We help Maltese investors buy, refurbish and let buy-to-let property in Glasgow and Edinburgh, hands-off, with every deal costed for its return before you commit.

For many Maltese investors, the home, the business and the savings all depend on one small economy. A flat in Glasgow earns rent in pounds, in a far larger market, and sits in your own name. Entry prices in Glasgow can be lower than for a comparable flat in Malta, so the same capital may go further, either buying outright or alongside a mortgage. You meet us in Malta, face to face if you prefer, and we do the work in Scotland.

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How does it work when you live abroad?

You never have to fly over. We meet you by video call, agree your brief and your budget, and search Glasgow and Edinburgh for you. Every property we put forward has been viewed by us or a trusted partner, with the Home Report read and the price, purchase tax, works, likely rent and running costs worked out. You choose. A Scottish solicitor handles the purchase and the title, and you sign remotely. If the flat needs work, we run the refurbishment with contractors we have used for years, and then a registered letting agent finds the tenant and looks after the property. Investors in Malta deal with one point of contact at Gauci Magri from start to finish.

What will it cost you to buy?

In Scotland the purchase tax is Land and Buildings Transaction Tax (LBTT), run by Revenue Scotland. The residential bands for 2026 to 2027 are 0% up to £145,000, 2% from £145,001 to £250,000, 5% to £325,000, 10% to £750,000 and 12% above that. On top, the Additional Dwelling Supplement (ADS) of 8% is charged on the whole price if, after the purchase, you own more than one home anywhere in the world and the price is £40,000 or more. Most overseas investors already own their own home, so they should plan for ADS.

One point in Scotland's favour: unlike England and Northern Ireland, Scotland charges no extra surcharge because a buyer lives outside the UK. Add solicitor's fees, any mortgage costs, the refurbishment and our sourcing fee, and you have the real cost of getting the property let. Our LBTT and ADS calculator works out the tax for you in seconds.

Money, currency and checks

Your price, the tax and our fees are set in pounds, so the euro cost moves with the exchange rate between the day you agree a purchase and the day you complete. Many investors fix the rate for the completion date with their bank or a currency provider. Rent arrives in pounds. You can keep it in a UK account or send it home, and it pays to compare the cost of each transfer.

UK solicitors, lenders and letting agents must check who you are and where your money comes from, under the UK money laundering rules. So do we. Have your passport, proof of address and evidence of the source of your funds ready, and the purchase moves faster.

Tax points to check before you buy

The UK and Malta have a double taxation convention, in force since 1995, so the same rent should not be taxed twice in full. UK rental profit is taxable in the UK. While you live abroad, the letting agent normally deducts basic-rate tax from the rent under HMRC's Non-Resident Landlord Scheme, unless HMRC approves you to receive the rent gross and file a UK return yourself. How Malta then treats that income depends on your residence and domicile status, so speak to a Maltese accountant before you buy. Read our guides to the Non-Resident Landlord Scheme and how overseas investors buy UK property.

Why Glasgow and Edinburgh?

We work in two cities only, because we know them street by street. Glasgow gives lower entry prices and strong rental demand from students, young professionals and families. Edinburgh costs more to buy but has deep demand and a long record of holding value. Both have universities, hospitals and transport links that keep homes let. Our rent estimates come from what similar homes in the same streets actually let for, not from a brochure. See our portfolio for recent client projects, and why investors choose UK property for the wider case.

Please note. We source and refurbish property, and we introduce clients to registered letting agents, who let and manage it. We are not financial, tax or investment advisers, and nothing on this page is a recommendation to buy or tax advice. Tax depends on your own circumstances and on the law of the country you live in, so take advice from a qualified accountant in both countries. Property investment carries risk, including the risk to your capital, and currency movements can work against you as well as for you. Past performance is not a guarantee of future returns.

Common questions

Can a Maltese resident buy property in Scotland?

Yes. There is no restriction on buyers from Malta. You pay the same Land and Buildings Transaction Tax as a Scottish resident, plus the 8% Additional Dwelling Supplement if you will own more than one home anywhere after the purchase.

Do I need to travel to Scotland?

No. We meet you by video call or in person in Malta, view the properties for you, and a Scottish solicitor handles the purchase remotely. Many of our clients never visit before they own the flat.

Is there a tax treaty between the UK and Malta?

Yes. The UK and Malta double taxation convention has been in force since 1995. Ask a Maltese accountant how it applies to you before you buy.

Who is Gauci Magri & Partners?

A Maltese firm, registration P1389, with offices in Qormi, Malta, and in Glasgow. We source and refurbish buy-to-let property in Glasgow and Edinburgh and introduce clients to registered letting agents.

Tell us your budget and what you want the property to do for you. You will get a straight answer on what we can find, by video call, wherever you are.

Book a free 30-minute call
Sources

Checked on 13 November 2026.

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Glasgow and Edinburgh property, explained for investors abroad

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