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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 .

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.

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 Donations Donations of Immovable Property A donation is the transfer of property from one individual to another without remuneration. As with most transfers of immovable property, donations incur duty on documents tax for the receiver of the property and property transfer tax for the person donating the property. However there are exceptions to this rule. For example, when property is donated by a parent to a child, no payment of property transfer tax is due by the parent, however payment of duty on document tax may be due by the child. In cases where the following criteria are met; the property is donated solely for the purpose of establishing residence and the child does not own any other immovable property at the time and it consists of the first donation between the parent and the child then no payment of duty on documents tax is due by the child on a portion of the value of said property. Note that the above information is provided for reference only and may change subject to applicable laws. Always consult the Notary for most recent changes. 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 Emphyteusis or Cens Emphyteusis or Cens We provide the services involved with property Emphyteusis. 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. Services Provided Wills Wills We provide the services involved with the drafting of personal wills. More information to follow. Contact us for additional information.

Christine Harmer Cert. CIB, FdSc Christine Harmer Cert. CIB, FdSc KYC Compliance Analyst Scan for Business Card Ta' Mliet Court, Office 2 Gorg Borg Olivier Street Victoria, Gozo VCT 2519 MALTA Tel: Email: +356 2156 4832 x1004 CHarmer@GozoNotary.com Christine is an experienced financial services professional with background in KYC and AML-CFT. She has over 13 years of banking experience having worked with two of the major banks in Malta. She assists clients with anything in relation to the collection of data and documents and the filling in of KYC forms. She believes in a work-life balance and values the time she spends with her family. She enjoys good food and travelling to remote places. Christine has travelled to various countries on voluntary missions but she currently resides in Gozo.

T&C, Disclaimer & Anti-Money Laundering Information Download KYC form for Individuals Download KYC form for Entity Download our T&C's and Policies Identification & Verification Explaination Please note that the information and materials contained in this web site are not, nor are they intended to be, legal or financial advice. You should consult a Notary, Lawyer or Financial Advisor for individual advice regarding your own situation. Prior results and conditions do not guarantee a particular outcome. Gozo Notary - Dr. Anna Maria Mizzi does not guarantee that any information on this website is complete or up-to-date. Transmission of the information contained in our web site is not intended to create a relationship with our office or any of its individual employees. What is CDD / AML / KYC? At the outset of a new transaction we will require some detailed information from all the parties which is either obligatory or deemed necessary for the proper discharge of particular obligations. In terms of Legal Notice 372 of 2017 Prevention of Money Laundering and Funding of Terrorism Regulations, our office, Gozo Notary - Dr. Anna Maria Mizzi and related staff are a Subject Person and we are legally bound to ensure that proper Customer Due Diligence (CDD) and Anti-Money Laundering (AML) procedures are followed through by having our client complete a "Know Your Client" (KYC) form, which provides us with the details that the Financial Intelligence Analysis Unit (FIAU ) requires we collect. Identification & Verification The Law requires subject persons to obtain satisfactory evidence of the identity of the parties and sometimes people related to them. This is because particular transactions involving a subject person may be used as a vehicle by criminals in order to legitimize their illicit gains. In this regard, we will ask for evidence of your identity as soon as possible upon your first meeting and will make copies of certain documents for identification purposes. For an individual, it is important to present yourself with a valid identification document (identity card, passport, driving license, etc.). We may also require a confirmation of your permanent residence by means of additional documentation, such as a recent utility bill. For an Entity, It is therefore important to: establish who are the qualifying beneficial owners or beneficiaries of the Entity (the qualifying beneficial owners or beneficiaries are those natural persons who, either own or control 25% or more of the shares or voting rights in the Entity or otherwise exercise control over the management of Entity); identify who are the directors or persons who manage the Entity; establish whether any beneficial owner, director or other person who manages or controls the Entity is a Politically Exposed Person. For these reasons the legal representatives or company secretary of the Entity are being requested to complete this form and to provide all documents required in terms hereof. Valid identification documentation (identity card, passport, driving license, etc.) of each one of the persons identified in this form must be provided. We may also require a confirmation of the permanent residence by means of additional documentation, such as a recent utility bill. Remittance of Funds For Transferees, some information about the source of such funds is required and the subject person may ask for any documentary evidence as deemed necessary. Should any part of a payment be made by a third party (a relative, a partner, etc.) the subject person is required to carry out the same CDD procedures on the third party. Forms and Documentation Our office, Gozo Notary - Dr. Anna Maria Mizzi is obliged by Law to keep a record of the procedures undertaken and will thus hand out specific forms to be filled in by all the parties in order to collect as much information as possible at one go. Our office may also require additional information or documentation deemed necessary in the context of the particular transaction. All the information and documentation obtained in the course of the discharge of these obligations is strictly confidential.

Monique Camilleri LL.B (Hons.), LL.M (Not.) Monique Camilleri LL.B (Hons.), LL.M. (Not.) Notarial Assistant Ta' Mliet Court, Office 2 Gorg Borg Olivier Street Victoria, Gozo VCT 2519 MALTA Tel: Mob: Email: +356 2156 4832 x1009 MCamilleri@GozoNotary.com +356 7765 0474 Monique joined our office as a Notarial Assistant in 2024 and has acquired first-hand experience in our office dynamics. She helps in the day-to-day running of the office, in particular the drafting of both deeds and the post-deed procedures, amongst other tasks. Her goal is the eventual attainment of the Notarial Warrant, conferred upon the conclusion of two years of hands on practice, allowing her to practice as a Notary Public with our office. Receipient of the Best Student in the Master of Notarial Studies 2023-2024 , Monique has also formed part of the Gozo University Group for two years, where she filled the roles of Public Relations Officer and Secretary General. She considers herself motivated to always learn and is passionate in all that she does.

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 Private Writings Private Writings We provide the services involved with the drafting of private writings. More information to follow. Contact us for additional information.