Investment Advisory in Cyprus
Our Services
We are providing an A to Z service package to our clients with the minimum possible inconvenience caused:
- We understand the client and his/her profile,
- We discuss with the client his/her future plans and intentions,
- Subject to 1 and 2 above, we provide our client with recommended projects which we have in advance examined and any foreseeable risks have been eliminated,
- Subject to 3 above, we proceed with implementation of the investment through means that our client is secure at maximum.
Frequently Asked Questions
What is the best city in Cyprus for property investment in 2026? 2026
It depends on your goals. Limassol offers the highest demand and capital values (avg apartment €398,000). Paphos provides the best lifestyle-rental combination with strong expat demand. Larnaca has the lowest entry costs with marina-driven growth potential. Famagusta recorded the strongest price uplift in Q1 2026.
What rental yield can I expect?
Average gross yields are 5.45% for apartments, 2.96% for houses, and 5.58% for offices (RICS Q4 2025). Net yields after management, maintenance, and vacancy are typically 1–1.5% lower. Holiday rentals in tourist areas can achieve higher seasonal yields.
How does the 2026 Tax Reform affect rental income? 2026
From July 2026, all rent payments must be made electronically — no cash transactions allowed. Landlords must declare rental income through a new digital reporting system. Rental income is taxed as regular income (progressive rates up to 35%). However, there is no annual property tax, and mortgage interest on investment properties is deductible against rental income. These changes increase transparency but also formalize the rental market.
Is Limassol or Paphos better for investment?
Limassol offers higher absolute demand and capital appreciation but requires €300,000–€500,000+ entry for quality apartments. Paphos provides better value with strong demand from retirees and lifestyle buyers, with quality apartments from €200,000–€350,000. Paphos recorded 3,567 contracts in 2025 — 20% of the national market.
Can property investment qualify for permanent residence?
Yes. A €300,000+ investment in new property from a developer qualifies for permanent residence (fast-track, 2–6 months processing). This covers spouse and children under 18, is valid for life, and provides a route to citizenship after 8 years of residence. The property must remain in your ownership for the duration of the permit.
What are the total costs for investors in 2026? 2026
Beyond purchase price: VAT 19% on new properties (or transfer fees 3–8% on resale with 50% exemption), legal fees 1–1.5%, no stamp duty (abolished January 2026), no annual property tax. Ongoing costs include management fees (8–12% of rent for managed properties), maintenance reserve, and insurance. The stamp duty abolition saves investors up to €20,000 per transaction.
Should I buy off-plan or ready property?
Off-plan offers 10–20% price advantages and flexible payment schedules but carries developer risk and 1–3 year waiting periods. Ready property provides immediate rental income, known condition, and faster returns. For first-time Cyprus investors, ready property with existing tenants reduces risk.
What is the capital gains tax on property sales?
Capital Gains Tax (CGT) in Cyprus is 20% on the profit from property sales. However, there are significant exemptions: the first €17,086 of lifetime gains is exempt, and if the property was your primary residence for 5+ years, an additional €85,430 exemption applies. Inflation indexation is applied to the original purchase price. Non-residents are also subject to CGT on Cyprus property.
Is the Cyprus market overvalued in 2026? 2026
The Central Bank of Cyprus states there are no signs of widespread overvaluation. Prices are supported by genuine demand (18,100+ transactions in 2025), limited supply in prime areas, and expanding mortgage lending. However, prices have risen ~27% since 2020, so independent valuation before purchase remains essential.