This is a matter of finances and personal circumstances. Most Maltese opt to own property rather than rent, with owner-occupancy rates in excess of 80 per cent. The market is buoyant and has remained robust despite the global financial crises and housing market collapses in the early 21st century. It is best to shop around or seek advice from a real estate agent and your bank manager to get a good idea of what options your financial situation gives you.