Home Loan Calculator
We have provided a home loan calculator that can give you a good indication of the loan you can afford.
It’s a great place to get started in understanding how much you can
borrow, and what property you can afford.
Eligibility Details
Your Estimate
This calculator is provided for illustration purposes only, and is subject to our Disclaimer Policy.
Figures shown are estimates based on general assumptions and do not represent a loan offer or commitment from any bank.
Actual eligibility, rates, and repayments depend on your individual financial situation and the terms set by lenders.
Please contact a licensed bank or home loan advisor for personalised assistance.
Additional Information on Home Loans
Please take note of the following general conditions that may apply to home loan agreements in Malta (subject to each bank’s terms):
- Bank legal fees (typically 0.325% of the loan amount plus VAT) are often waived for first-time and second-time home buyers.
- The borrower has the right to repay the loan in full or in part before the end of the agreed term.
- If the loan is fully repaid or reduced by 30% or more within the first three years, any waived or refunded bank fees may become payable.
- The credit agreement remains valid for the duration agreed between the bank and the borrower, and both parties must adhere to their contractual obligations.
- Life and property insurance are mandatory as security for the loan. The loan is generally secured by a first-ranking hypothec over the financed property, a pledge over a life assurance policy covering the entire loan amount, and buildings insurance for the replacement value of the property.
- In cases of non-compliance or missed repayments, the bank may, following legal proceedings, seek to sell the financed property, which could result in the loss of ownership.