Holiday properties for sale in Cyprus

Find your holiday home in Cyprus

Zentima offers holiday apartments and villas suitable for your own use and rental. Our listings include only verified new homes in Paphos, Larnaca, Ayia Napa, and Limassol. Together, we’ll choose the right property, guide you through every step of the purchase, and advise you on renting it out if you’re interested. As a buyer, you don’t pay for our services.

Selected new homes in Cyprus

Explore current developments, available apartments and houses by the sea, and their prices. For each development, you’ll find details about the location, amenities, and options for using the property.

Not sure where to start?

We’ll discuss your lifestyle, budget, and preferences, then help you choose a destination and property that suit you.

Paphos, Larnaca, Ayia Napa or Limassol?

Golf and coastal walks, everyday life in a seaside city, or family holidays close to sandy beaches—each area offers a different way to enjoy Cyprus. We’ll help you compare locations and choose one that fits your plans.

Paphos

Golf and an outdoor lifestyle. Paphos and nearby Coral Bay combine coastal living with golf courses, walking routes and access to the Akamas area. It suits buyers who want an active second home, with town amenities and space to explore beyond the beach.

Larnaca

Everyday coastal living with easy airport access. Around Finikoudes, Mackenzie and nearby residential neighborhoods, Larnaca brings together beaches, local shops and services. It suits buyers who want a practical base for frequent visits or longer stays, with a seaside city on their doorstep.

Ayia Napa

Beach holidays and time with the family. Ayia Napa and nearby Protaras offer sandy beaches, water sports and restaurants, with Cape Greco close by for walks and boat trips. It suits buyers whose priority is a holiday home for regular beach breaks.

Limassol

A lively city by the sea. Limassol combines its marina, waterfront and old town with restaurants, shops and entertainment. It suits buyers who want a second home with an urban lifestyle, whether for short visits or longer stays, with countryside and wine villages within reach.

Why buy property in Cyprus?

Cyprus combines Mediterranean beaches, golf and coastal cities with access through Larnaca and Paphos airports. EU membership and the euro also make it a familiar setting for European buyers. Official data show that new home prices were 9.8% higher in the second quarter of 2026 than a year earlier. Cyprus recorded 4.53 million tourist arrivals in 2025, up 12.2% from 2024. Arrivals during January–September 2026 were 5.6% lower than in the same period of 2025. Tourism creates demand for holiday accommodation, while your home’s rental income and future value depend on its location, purchase price, rental permissions and running costs. Sources: CYSTAT house prices Q2 2026 · CYSTAT tourism 2025 · CYSTAT arrivals August 2026

How much does it cost to buy and own property in Cyprus?

The purchase price is only part of the budget. Before you choose a home, it helps to know what you’ll pay in taxes and fees, and what it will cost to own each year.

At purchase: For a new holiday home, allow 19% VAT if it is not already included in the price, plus approximately 1.5% for all other standard purchase fees combined. On a €300,000 price before VAT, this brings the estimated total to €361,500. The reduced 5% VAT rate is for qualifying primary residences. Furniture and financing costs are extra. We’ll confirm the full budget for your chosen property before you reserve. After purchase: Budget for communal fees, waste collection and sewerage where applicable, utilities, municipal charges, insurance and maintenance. For a villa, include private pool and garden care. If you rent it out, add management fees, booking-platform commissions, cleaning, registration costs and any tax on rental income. Our recommendation: Before you reserve a property, we’ll put together an estimate of the full purchase cost and expected annual expenses and potential rental revenues.

Personal use or rental of your property in Cyprus?

You may want to use your holiday apartment with your family during school breaks, spend longer periods by the sea, or rent it out while you’re away. It helps to decide how you’ll use it before you start looking, because this affects the choice of location, development, and property.

For you and your family: We’ll consider your preferences, the development’s amenities and facilities, nearby beaches, and local services to find a property that suits your lifestyle. For personal use and rental: We’ll check whether short-term rental is possible for the property, which local rules apply, and whether the development or homeowners’ association has rules about rentals. Professional management and rental: If you’re interested and the property is suitable for rental, we’ll connect you with a trusted local partner. They’ll handle listings on Booking.com and Airbnb, pricing, reservations, guest communication, cleaning, and maintenance.

How we work and the services Zentima provides for free

Before we list a property, we check the project and the developer, along with the available information, including prices and financial projections. Selected properties also go through Verifiq+™, our comprehensive verification process.

1. First step: Understanding your needs We’ll get to know your needs, expectations, and goals. We’ll discuss your budget, preferred locations, how you’ll use the property, and other priorities for your future second home. 2. Selection of suitable projects We’ll compare locations, developments, prices, purchase terms, and options for using the property. 3. We guide you through the entire purchase process Buying property abroad involves a different legal system, local regulations, and paperwork in another language. We’ll coordinate the process between you, the developer, and everyone else involved, so you know what comes next at every step. 4. Help with financing and rental If you’re interested, we’ll connect you with trusted partners who can assist with a mortgage, property management, rental, and maintenance.

Frequently asked questions about buying property in Cyprus

Can foreigners buy property in Cyprus?

Yes. EU citizens can buy property in the Republic of Cyprus without the property-acquisition permission required for non-EU buyers. Non-EU buyers generally need approval from the relevant District Administration and face limits on the number and type of properties they can acquire. You’ll also need identity and source-of-funds checks.

What are the additional costs of buying a new-build property in Cyprus?

For a new holiday home, allow 19% VAT if it is not already included in the price, plus approximately 1.5% for all other standard purchase fees combined. Furniture and financing costs are extra. We’ll confirm the full budget for your chosen property before you reserve.

Can I get the reduced 5% VAT rate on a holiday home in Cyprus?

No, not simply because it is a new home. The reduced 5% VAT rate is for a qualifying primary and permanent residence, subject to approval and size and value limits. A property bought for holidays or rental normally attracts 19% VAT.

What are title deeds, and will my new home have one?

A title deed is the official Land Registry document confirming registered ownership. For a new development, separate deeds for individual homes are issued after construction and the required approvals.

Can I get residency by buying property in Cyprus?

Non-EU buyers may qualify for permanent residence by purchasing an eligible new home for at least €300,000 plus VAT. The qualifying investment must be paid from abroad before applying. Applicants also need annual income from abroad of at least €50,000, with additional amounts for dependents. A spouse and eligible dependent children can also qualify. Approval is required, and the investment must be maintained. EU citizens follow different residence rules.

Can foreigners get a mortgage in Cyprus?

Yes. Some Cypriot banks offer mortgages to foreign buyers, with financing of up to 70% of a holiday property’s value. For a new-build holiday home, plan to have around 51% of the price before VAT available in your own funds. This covers the remaining 30% of the price, 19% VAT and approximately 1.5% in other purchase costs. You may need more if the bank lends less or values the property below the purchase price. Financing costs and furniture are extra. We’ll connect you with our financing partner to explore your options. If you’re applying for investment-based permanent residence, separate funding rules apply.

Can I rent out a holiday property in Cyprus?

Yes, but the rules depend on the property and the type of rental. Short-term holiday rentals must meet the requirements for tourist accommodation, including registration. Long-term rentals are subject to the property’s rules and a rental agreement. Before you buy, we’ll help you check whether the property is suitable for your rental plans. Non-EU buyers should also ask their lawyer to check any conditions attached to their purchase permission.

What are the annual costs of owning property in Cyprus?

Regular costs include communal fees, waste collection and sewerage where applicable, electricity, water, internet, municipal charges, insurance and maintenance. Villas may also need private pool and garden care. Renting adds management, booking-platform fees, cleaning, registration costs and any tax on rental income. Tax treatment depends on your circumstances, and your home country may also require reporting. We’ll prepare a budget for the specific property.

How does buying a new-build property in Cyprus work?

Once you choose a property, you’ll usually sign a reservation agreement, pay a reservation deposit and complete identity and source-of-funds checks (KYC). You then sign the sale contract, which is deposited with the relevant District Lands Office of the Department of Lands and Surveys, commonly called the Land Registry. This helps protect your rights until ownership is transferred. Non-EU buyers also need purchase approval. If the property is under construction, further payments follow the agreed payment schedule. You’ll receive the keys when the home is ready, and ownership can be transferred once the individual title deed and required approvals are available.

Do I need an independent lawyer when buying property in Cyprus?

We strongly recommend one. An independent Cyprus lawyer reviews ownership, mortgages or other claims on the property, planning and building permits, the contract, VAT treatment, payment terms and handover conditions. They also arrange the contract deposit and advise on title transfer and any foreign-buyer approval. Your lawyer should work for you, independently of the developer or seller.

How are my payments protected when buying off-plan or under construction in Cyprus?

Cyprus does not generally require developers to provide a bank guarantee for off-plan payments. Protection depends on the sale contract and any guarantees offered for the project. Depositing the contract with the Land Registry helps protect your rights but does not guarantee that the property will be completed or your payments refunded.

Do I pay Zentima for help with my purchase?

No. Zentima’s services are free for buyers. You’ll pay the taxes and fees associated with the purchase, as well as the services of other professionals, such as your lawyer or mortgage lender.

Book a free consultation

You’ll receive a personal selection of suitable properties, a comparison of locations, prices, and purchase terms, and a realistic overview of all costs. During a free, no-obligation consultation, we’ll discuss your plans, budget, and how you want to use the property, whether for your own stays, rental, or both. We can meet online or in person. Email: sales@zentima.com Tel.: +357 959 83712 Tel.: +44 736 159 0808

What our clients say

We originally wanted an apartment in Spain, but now we're thinking about the Dominican Republic instead. After talking to the Zentima team, we got a clear picture of what's realistic, and they showed us other options in different countries too. They listened to what we wanted instead of just pushing our original idea. Highly appreciated!

Larissa M., BRA (Google Reviews)

We're looking into buying an apartment in Mauritius and the Zentima team walked us through the different coastal areas - the good and bad points, the prices, and what to expect as foreign buyers. They also explained why certain areas would suit us better based on what we told them we wanted.

Brano P., SK (Google Reviews)

Thanks to the Zentima team, we were able to understand a market we knew absolutely nothing about. From the very beginning, they were very attentive, responded quickly to all our questions, and were always willing to help us. Just the support we needed.

Patricia G., MEX (Google Reviews)

Zentima’s team made a confusing process feel simple. Buying property abroad seemed like a huge task before we spoke to them, with legal questions and currency issues. They walked us through the process step by step and always kept updated.

Katya K., IT (Google Reviews)

A dedicated team who seek to understand the client’s needs and service them comprehensively and to a high standard

Daniela N., UK (Google Reviews)

I wanted to buy a property in Paphos, Cyprus, but I didn’t have much time to research it properly. Zentima provided all the information I needed, suggested suitable properties, prepared the numbers, and matched everything to my requirements. They basically handled everything I didn’t have time to do myself. I would recommend them to anyone in a similar situation.

Mariana B., AT (Google Reviews)

Very serious agency, they helped us in everything, professional approach, we recommend them 100% and we are looking forward to our new property...

Pekrat E., SK (Google Reviews)

I would highly recommend Zentima for your next adventure. Zentima is easy to work with, they are friendly and always happy to help! Zentima has plenty of options to choose from to meet your needs or desires! Wherever your next adventurous move takes you, use Zentima, you’ll be glad you did!

Jeffery P., USA (Google Reviews)