Mortgage Calculator
Estimate your monthly mortgage payments for property in Malta. Adjust the values below to fit your budget and find out how much you can afford.
How Mortgages Work in Malta
Malta's banks typically offer home loans of up to 80% of the property value (loan-to-value), though first-time buyers may qualify for up to 90%. Interest rates in Malta currently range from around 3% to 5% depending on the bank and whether you choose a fixed or variable rate. Most mortgage terms run between 25 and 40 years.
Key Points
- Minimum deposit is usually 10–20% of the property price
- Banks assess affordability based on your net income — monthly repayments typically cannot exceed 40% of your salary
- First-time buyers benefit from reduced stamp duty (1.5% on the first €175,000)
- Additional costs include notary fees, architect's report, and home insurance