Austen Morris Associates in a recent article in Personal Finance, state that they are advising all their clients to invest with their heads and not their hearts and to invest as much of their money elsewhere in the world.

They are also advising that people should keep their house and their pension as their only assets in South Africa and the rest should be invested in hard currency assets abroad.

The rand has lost a third of its value against the US dollar in the past 5 years and remains under pressure. House prices in South Africa are in real terms, 20% lower than at the end of 2007, less than half the rate of inflation.

South Africans need to be more proactive.

Growth has stagnated in South Africa growing at a rate of hopefully 1.7% this year. The rest of the world is growing at a rate of more than twice that number. This is partly due to political corruption, high unemployment and the contraction of the economy.

Rather than being unpatriotic it is more a realistic assessment to look to investing offshore, protecting yourself against the effects of a dramatic fall in currency, which results in social unrest or hyperinflation, as seen recently in Venezuela.

Malta has become a real estate hotspot for investors. A recent report from Knight Frank shows that Malta’s property market is the most lucrative in the world, edging out Hong Kong as having the the highest residential price gains.



Malta’s economy is projected to grow the fastest in the European Union, real GDP growth has reached 6.2% in 2018 according to the European Commission’s Winter 2019 Economic Forecast.

Some of the reasons why the Malta property market is so attractive

  1. If you are looking for a low-involment investment, Maltese property has been appreciating at well above the EU average
  2. The low interest rates on bonds ( 3.2%), makes it cost effective for investors to acquire a portfolio valued well above their current wealth.
  3. The buy-to-let tables published by WorldFirst show Malta as the third most attractive location, after Ireland, for such investment. The table compares cost of real estate and income yield, showing an investor that you would have had a return of 6.6% in Malta,6.43% in Portugal and 6.27% in the Netherlands.
  4. Malta’s residential property’s steady capital growth, year-on-year, is between 6 % to 9%.
  5. No rates and taxes
  6. Influx of foreign nationals moving to Malta, be it to relocate, retire or to work, has paved the way for a golden opportunity- rental investment.
  7. Maltese property market is traditionally solid, being one of the only European countries showing consistent capital growth


Bugibba city is one of the most favourite resorts in Malta, that offer magnificent views, comfortable accommodation and cozy places for leisure walks


When buying property for investing, location, location, location is the most important factor. Unlike other investments, real estate is dramatically affected by the condition of the immediate surrounding area and local factors.

Malta’s investment potential is two-fold, that being holding a property as a secure investment that will retain and appreciate its price and secondly, a steady stream of income in the form of rental income.

Factor in the excellent choice of good value properties, the attractive interest rates on home loans, investors would be wise to take Malta very seriously as a property investment destination.

Look for properties in Malta