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Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. Services Provided Other Services Provided Other Services Provided There are a number of other services that our office provides. More information to follow, or contact us for additional information.

Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. Services Provided Property Rental Leases Property Rental Leases Malta and Gozo have become popular destinations for both retirees as well as foreigners seeking to live in a warm Mediterranean climate surrounded by the beauty of our islands! As such, renting or leasing a property is usually an attractive alternative to purchasing. With the new legal amendments by the local Government, both landlords and tenants are afforded a good level of protection when signing a rental lease. Most leases are long term, which is defined as being no less than 1 year and have certain conditions. In a 1 year lease, the first 6 months are mandatory, afterwards the Tenant may cancel the lease with a 1 month notice In a 2 year lease, the first 9 months are mandatory, afterwards the Tenant may cancel the lease with a 2 month notice In a 3 year or longer lease, the first 12 months are mandatory, afterwards the Tenant may cancel the lease with a 3 month notice. In call cases, if the Landlord decides not to renew the lease, the Tenant must be informed at least 3 months prior to the expiration, otherwise the lease is automatically renewed at existing terms, conditions and pricing. Our office is well versed in the law regarding leases and can provide the services involved with the drafting of Property Rental leases, the signing of such leases as well as the registration of the lease with the Housing Authority. If you have any questions regarding Rental Leases, you can speak to someone in our office .

Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. Services Provided Loans Loans In Malta, bank loans are commonly used for property purchases, and they are closely intertwined with the property purchase contract, which is typically formalized through a Notary Public. Here's a breakdown of how bank loans and property purchase contracts work together: 1. Bank Loans for Property Purchases in Malta: Loan Approval : To purchase property, most buyers will approach a bank for a loan. The bank will assess the buyer’s financial situation, creditworthiness, and the value of the property being purchased to determine the loan amount and conditions. Loan Types : Banks offer different types of loans, such as fixed-rate or variable-rate loans, with repayment periods generally ranging from 15 to 30 years. Down Payment : The buyer is typically required to provide a down payment (usually around 10% of the property’s value), while the bank finances the rest of the purchase price. Security : The property being purchased serves as security for the bank loan. If the buyer fails to repay, the bank has the right to foreclose on the property to recover the loan amount. 2. The Role of the Notary Public: Contract of Sale : The property purchase in Malta must be formalized through a Notarial Deed of Sale, which is prepared and executed by a Notary Public. The Notary ensures that the transaction is legal, binding, and properly recorded. Verification of Loan : If the buyer is using a bank loan to finance the purchase, the Notary will ensure that the loan agreement is properly incorporated into the sale contract. This includes verifying that the loan amount and terms are clearly stated and understood by all parties involved. Bank’s Involvement : The bank requires a copy of the signed purchase contract, and the Notary coordinates with the bank to ensure that the loan is properly registered. The Notary ensures that the loan is recorded in the Public Registry to guarantee the bank’s interest in the property. Disbursement of Funds : After the signing of the deed of sale, the Notary will instruct the bank to disburse the loan amount to the seller. 3. Important Steps in the Process: Pre-Contract Stage : Before the deed is signed, the Notary ensures that all documents are in order, including the bank loan sanction letter. They may also conduct due diligence on the property (e.g., checking for legal encumbrances or other liabilities). Signing the Deed : On the day of signing, the buyer, seller, bank and Notary meet to execute the contract. The bank will provide the loan amount to complete the transaction. Loan Registration : The Notary will also handle the registration of the loan in the public registry, securing the bank’s right over the property as collateral for the loan. 4. Legal Protections: Security for the Bank : The loan is secured by the property, and the Notary ensures that the bank’s interests are legally protected by registering the loan. Buyer's Legal Protection : The Notary also safeguards the buyer’s rights, ensuring that the transaction is fair, transparent, and complies with all legal requirements. In summary, when a buyer in Malta is securing a bank loan for a property purchase, the Notary Public plays a central role in ensuring that both the sale and the loan are legally executed, with proper documentation and registration. This ensures that the buyer, seller, and bank are all protected in the transaction. Contact us for additional information.

Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. Services Provided Power of Attorney Power of Attorney We provide the services involved with the drafting of Power of Attorney. More information to follow. Contact us for additional information.

Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. See what our team has to offer. Our Team The skills behind the practice Dr. Anna Maria Mizzi B.A., LL.D, LL.M. Notary Public Dr. Loretta Grech Lateo LL.B. (Hons), LL.M. (Not.) Notary Public Anthony Mizzi AAS, B. Tech Office Manager Christine Harmer Cert. CIB, FdSc KYC Compliance Analyst Monique Camilleri LL.B (Hons.), LL.M. (Not.) Notarial Assistant

Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. Services Provided Buying and Selling Property Buying and Selling Property We provide the services of drafting the necessary deed and processing the paperwork involved with the purchase and sale of property. More information to follow soon. Contact us for additional information.

Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. Services Provided Services Provided Our office provides the following services: Buying and Selling Property Property Rental Leases Emphyteusis (Cens) Donations Loans Wills Power of Attorney Private Writings Other services More information to follow soon. Contact us for additional information.

Anthony Mizzi AAS, B. Tech Anthony Mizzi AAS, B. Tech Office Manager Scan for Business Card Ta' Mliet Court, Office 2 Gorg Borg Olivier Street Victoria, Gozo VCT 2519 MALTA Tel: Mob: Email: +356 2156 4832 x1000 +356 79564864 AMizzi@GozoNotary.com After spending the past 27 years working as a technician and consultant in the field of computer technology, Mr. Mizzi decided he needed a change of career. With his past experience of having founded and run three different companies, he was able to apply his skills to managing the day to day operation of Dr. Mizzi's practice, while implementing the technology needed to make her office efficient and cutting edge. Anthony also handles property Rentals.

Dr. Anna Maria Mizzi B.A., LL.D., LL.M. Dr. Anna Maria Mizzi B.A., LL.D., LL.M. Notary Public Scan for Business Card Ta' Mliet Court, Office 2 Gorg Borg Olivier Street Victoria, Gozo VCT 2519 MALTA Tel: Mob: Email: +356 2156 4832 x1001 +356 79564863 DrMizzi@GozoNotary.com Dr. Ann Marie Mizzi holds a Doctor of Laws degree from the University of Malta and a Master of Laws degree from the Benjamin N. Cardozo School of Law in New York. Before returning to Malta, she had worked in New York City law firms for over six years where she specialized in the area of U.S. Citizenship and Immigration Law.

Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. About our Practice Professional Service since 2008 Milestones Practice started in 2008 By 2012, we've assisted over 1000 clients In 2014, we opened a second temporary office in Ghajnsielem In 2014 we provided training to two University students In 2015 we hire our first employee, Anthony Mizzi In 2019, we make a major investment in technology, upgrading all computers to dual monitor, adding IP telephony and international call-in numbers from UK and USA. In 2020, Loretta Grech Lateo begins her Notarial practice as a University student. 2021, Loretta Grech Lateo joins our team full time as a Notarial Assistant, pending her warrant. In 2022 we enhance our Due Diligence procedures with the introduction of Diligex's KYCMatic and employ a KYC Compliance Analyst to process the data. Do you accept credit cards? Sorry, no. At this point in time we do not accept credit cards. However, you can effect payment to us via internet banking. Contact us at amizzi@gozonotary.com for our banking details. Do you open on weekends? No, we do not open on weekends, with the exception of emergencies. It is our policy that everyone needs some time off! What is a Certified True Copy? This is where the Notary will see an original document, such as an ID card, Drivers License, Passport, birth certificate, etc, A copy of this original document is then made, and copy of it is stamped and signed by her, confirming that the copy if an exact of the original. A copy cannot be certified as a true copy unless the Notary has compared it to the original. I have a copy of the original document, can you certify it as a True Copy? No. We can only certify a document as a True Copy if we have seen the original. What information is needed for the Promise of Sale? Prior to meeting for the promise of sale, the Buyers and Sellers must provide: - ID Cards or other identity documents - A copy of the deed showing how the Sellers purchased the property that they are now selling. - If the sellers received the property through inheritance (wirt), then a copy of the Transfer Causa Mortis must be provided Once the Notary has these documents as well as the details of the property in hand, she can draft the Promise of Sale. At which point, an appointment will be scheduled with the Buyers and Sellers to finalize the fine points and sign the document. What documents are needed to sign the lease agreement? When coming to our office for a lease agreement, it is important that all parties provide their identity documents.

Dr. Loretta Grech Lateo LL.B (Hons.), LL.M (Not.) Dr. Loretta Grech Lateo LL.B. (Hons.), LL.M. (Not.) Notary Public Scan for Business Card Tel: Mob: Email: Ta' Mliet Court, Office 2 Gorg Borg Olivier Street Victoria, Gozo VCT 2519 MALTA Tel: Mob: Email: +356 2156 4832 x1006 LGrechLateo@GozoNotary.com +356 7956 4864 Loretta graduated from the University of Malta with a Bachelor of Laws (Honours) Degree in 2020 and a Master of Notarial Studies in 2021. Having sucessfully obtained her Notarial Warrant in 2024, Loretta continues to work with Gozo Notary as a Notary Public. She is an avid volunteer worker, having spent time in Guatemala doing volunteer work, and is fluent in Maltese, English, Italian and Spanish.

Providing a high quality and reputable notary service in Gozo, Malta. Deeds, wills, contract of sale, donations, bank loans, leases, power of attorney and successions are a number of the services we offer. About Malta & Gozo More than just sun and beaches. Milestones 121 square miles (316 squared km) Population of just over 516,000 8th most densely populated country in the world, 4th in Europe Maltese and English are official languages Uses the Euro 230 volts, 50Hz electric, using UK 3-pin plug An average daytime temperature of 23 C and a low of 12 C, with an average of 8.4 hours of sunlight per day Approximately 1.6 million tourists visit annually Over 90% of population is Roman Catholic and over 365 churches Capital city of Valletta A number of banks, including HSBC, Bank of Valletta and APS banks Driving is on the Left Telephone country code of +356 Ample mobile and internet coverage Regular and fast ferry between Malta and Gozo Popular filming location for big budget productions (Gladiator, U571, Game of Thrones, World War Z) Malta is home to 10 UNESCO World Heritage Sites Malta's Megalithic temples are older than Stonehenge About Malta and Gozo With a population of only 516,000, the Republic of Malta is one of the smallest members of the European Union, but one of the most popular vacation locations by Europeans since English is one of the official languages and also a member of the eurozone monetary union. This archipelago island country, which is located just 50 miles south of Sicily, boasts some of the Mediterranean's most beautiful beaches, dive sites and some of the oldest free-standing megalithic temples in the world. With our Mediterranean climate of mild winters and hot summers, Malta makes a popular destination for retirees. From a retirees perspective, Malta enjoys a low tax and VAT rate, no property tax and an advanced economy with all the amenities related, such as access to top quality products and services at reasonable cost. Healthcare is publicly funded and private healthcare is also available. Investing in local property is also a plus, as the local value of real estate rises steadily. Malta boasts year round activities, from the local village Festas in the summer, to assorted Christmas and Easter activities in the winter months. Restaurants and bars abound. From a business perspective, Malta is considered as a highly attractive jurisdiction by foreign investors who wish to relocate a business to the island. Such advantages include geographical location, tax benefits and double taxation treaties, investment immigration opportunities, strong workforce, fiscal and social benefits, low incorporation costs, distinctive lifestyle and a stable economic ecosystem.