Step 1 — Find a property
Open GEXCAP and search by street, town or reference, or scan the QR code on a listing. Every property page shows the asking price, the area, the bedrooms and bathrooms, the tenure, and the energy rating where one is on file. The map view shows where each listing sits on the island.
Step 2 — Read the numbers
Before anything else, read the Dashboard and Numbers tabs. Gross yield is the annual rent divided by the price. Net yield deducts the running costs and insurance. Cash flow is what is left each month after the mortgage payment at the stated rate and term. Cash-on-cash return relates that cash flow to the money actually put in — the deposit plus an estimate of stamp duty and notary fees. All four are computed by the platform, with the assumptions shown.
Step 3 — Verify your identity
Sign in with a one-time code or with Google. Before you can hold units in any vehicle, your identity must be verified; this is checked from the database on every subscription, not from a cached session.
Step 4 — Subscribe
On an open offer, choose the number of units. GEXCAP shows the total, checks the minimum ticket, and gives you a unique payment reference with the issuer’s bank account. Pay by bank transfer. Your units are recorded once the payment is reconciled.
What to check before investing in Malta
- Tenure. Freehold, perpetual emphyteusis or temporary emphyteusis. On a temporary emphyteusis, how many years remain.
- Ground rent (ċens), if any, and who it is paid to.
- Documents on file. Title deed, land registry, energy certificate, permits. What is missing matters as much as what is present.
- The offer terms. Unit price, minimum ticket, the share of the property on offer, the distribution schedule, and when the round closes.
- The issuer. Who is issuing the units and whose bank account receives the payment.
- Liquidity. Redemptions are queued, not instant. Invest only what you can leave in place.
What to invest in Malta
GEXCAP lists residential, commercial and land properties. Which is right for you depends on your horizon and your tolerance for vacancy and maintenance; the platform gives you the same computed figures for each so the comparison is on equal terms. It does not recommend one over another.