Home purchase costs

See what buying a home in Cyprus costs on top of the price under the 2026 rules: reduced 5% VAT on a new main home, the transfer fee on a resale, mortgage registration; stamp duty is gone.

Reduced VAT5% on 130 m², €350,000
Transfer fee3/5/8%, halved
Stamp dutyabolished in 2026
Rules checked October 2026

The home you buy

Your result

About €15,050 on top of the price

VAT
€15,000
Land Registry transfer fee
none (VAT paid)
Mortgage registration
€0
Lodging the contract
€50
Stamp duty
abolished from 2026

5% VAT on €300,000, 19% on the rest.

Lawyer fees are agreed with your lawyer and are not included.

A guide based on published rules, not tax advice.

How it works

  1. 1

    New or resale

    A new home carries VAT and no transfer fee; a resale carries the transfer fee.

  2. 2

    Reduced VAT

    5% on the first 130 m² and €350,000 of a main home up to €475,000 and 190 m²; the rest at 19%.

  3. 3

    Mortgage

    1% of the loan to register it, plus small certificate fees.

Questions

Are lawyer fees included?

No: they are agreed with your lawyer. We do not publish a figure.

Can non-EU buyers get 5% VAT?

The law sets no nationality condition; non-EU buyers also need a permit to acquire property.

Sources and limits

A model of published rules, not tax advice. Rules checked October 2026; we confirm them for your case before you act.

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