A €6.5 million investment aimed at assisting more than 900 families was announced Thursday, with targeted improvements to three housing schemes focusing on first-time buyers, separated individuals, and those in need of social accommodation.
Parliamentary Secretary for Social Dialogue and Housing Andy Ellul outlined the measures during a press conference, describing them as a balanced package designed to respond to evolving social realities. The reforms are intended to increase the supply of social housing, support individuals struggling to rent or buy following separation, and help younger people access homeownership.
The government will strengthen and extend three existing schemes: Nikru Biex Nassistu (NIK), the Housing Benefit Scheme (HBS), and the Equity Sharing Scheme (ESS).
Under the Nikru Biex Nassistu scheme, which involves partnerships between the state and private property owners, more than 1,400 families have already been housed. With an additional €5 million investment, revised rental rates will be introduced to make participation more attractive, offering long-term stability, upfront payments, and tax benefits. The changes are expected to provide housing for a further 500 families.
Adjustments to the Housing Benefit Scheme will introduce a new category for separated individuals aged 55 and over. The maximum annual subsidy for this group will increase from €4,200 to €6,000, while the income eligibility threshold will rise from €21,900 to €34,900. Around 400 current beneficiaries are expected to gain from these changes, along with new applicants.
Meanwhile, the Equity Sharing Scheme will be expanded to include applicants aged 25 and over, lowering the previous minimum age of 30. The scheme allows buyers to purchase at least 50% of a property, with the Housing Authority covering the remainder. Additional provisions will support separated individuals aged 40 and above seeking to acquire their former matrimonial home, with a property value cap set at €350,000.
Ellul said the measures reflect a more targeted approach to housing policy, acknowledging that challenges differ across age groups and life circumstances. He emphasised that housing is not only about buildings, but also about stability, opportunity, and dignity.
Housing Authority CEO Matthew Zerafa added that ongoing reforms are aimed at making schemes more efficient and ensuring that benefits reach people more quickly.