Date: 25th October 2025

WHY BUY OFF-PLAN ?
This guide explains in the key advantages of buying off-plan properties in Cyprus to  provide peace of mind to buyers. Market data for 2025 shows that there is a stable and growing demand from overseas and local buyers, with new-build properties taking the lead in transaction volumes. Here are some reasons why buying off-plan from a reliable property developer can be good investment opportunity for smart investors:  

• Lower Price and Capital Appreciation
  The most significant advantage of buying off-plan is the 'early bird' lower price. The buyer can buy at the pre-construction price, which is often 15-35% below its future market value. As construction progresses and the building nears completion, the developer's selling price will increase. This means the 'early bird' buyer can benefit from significant capital gains before taking final ownership of the property.

• Customization and Modern Features 
  Unlike resale properties, buying off-plan gives the buyer the chance to select colours, finishes, fixtures, and the layout of the property, so that it aligns with his/her personal taste. Most off-plan properties are built with the latest construction standards, featuring modern designs, smart home technology, and enhanced energy efficiency. 

• Phased Payment Schedule
  Most developers offer staggered payment schemes linked to independently verified construction milestones, which means you do have not to pay the full price upfront. This gives the buyer the possibility to manage his funds and arrange loans if this is required.

• First Choice 
  By investing early, the buyer can choose from the best-positioned unit in a building or villa development. For example, you can choose the unit with the best view or the best garden or the best swimming pool. These premium units with the most desirable features will command higher rental yields and future capital appreciation.
   

MARKET OF STRONG GROWTH AND HIGH RETURNS
In recent years, Cyprus has been a favourite investment destination due to its solid economic health and strategic position. In the first half of 2025, the economy recorded the 3rd highest GDP growth in the EU, a testament to the dynamic sectors of tourism, financial services, technology, and property development. 

The real estate market is a direct beneficiary of this growth. In May 2025, Cyprus saw its highest monthly property sales total in 17 years, with a 30% year-on-year increase. This robust activity is a clear indicator of strong investor confidence. The Residential Property Price Index (RPPI) for the first quarter of 2025 showed an annual growth of 4.8%, with apartments seeing a 3.5% increase and houses an impressive 5.6%. Here are some reasons why investors can expect good returns from this sector: 

• Capital Appreciation
  While price growth is becoming more stable, it remains on a clear upward trajectory. For example, in the first quarter of 2025, properties in Limassol stood out with a 9.1% annual price increase for residential properties, due to sustained demand from overseas buyers.

• High Rental Yields
  The combination of a strong economy, increasing tourist arrivals, and an increasing number of staff in forex and fintech companies, has fueled high demands in the rental market. Apartments in Limassol area, now offer the highest rental yields, averaging a strong 5 to 7% return. This makes new-build apartments an excellent choice for a buy-to-let investor, providing a steady passive income while the asset appreciates in value.

• Permanent Residency Permit
  In addition to above, for non-EU investors, purchasing property over €300,000 provides an easy path to a Cyprus Permanent Residency permit. This Category 6.2 'fast-track' programme offers overseas investor and his/her immediate family, the stability of a permanent residency permit and the possibility of future Cyprus citizenship (if he physically lives in Cyprus for a number of years)

​

BUYING OFF-PLAN WITH PEACE OF MIND
As explained above, the off-plan real estate market is full of potential, but the secret to success is buying from a reputable and reliable developer, in order to reduce the risks of making a bad investment with low returns or losses. This is where Zartec can help you. We provide customized real estate consulting services, where we help buyers every step of the way. From recommending vetted developers who ensure a secure and transparent process, to referring surveyors for valuations, and lawyers for legal guidance. 

​

UK CITIZENS BUYING PROPERTY IN CYPRUS - POST BREXIT
UK citizens, as non-EU nationals, have one extra step compared to EU citizens. They must
obtain permission from the Cyprus Council of Ministers before the title deeds to a property can be transferred to their name. In practice, this is just a formality and issued in a few weeks after applying. The application is submitted after you sign the contract of sale, and approval is almost always granted for legitimate residential purchases. 
 

BUYING PROCESS AND COSTS
The process involves appointing a lawyer, conducting due diligence, signing contracts, and paying associated taxes and fees. Given the legal complexities and the requirement for Council of Ministers' approval for non-EU nationals, professional guidance is essential for a secure investment. 

​

By choosing to work with us, investors gain access to a good quality properties from reliable developers, with good prospects for rental returns and potential capital appreciation. Contact us for more information, if you want 'peace of mind' that comes from working with a trusted and experienced professionals.