Pedament guide · Financing
See how much you can borrow, your monthly repayment and the deposit you'll need — using the same affordability rules Maltese banks apply.
Fill in your details and press Calculate. Switch tabs to estimate your borrowing power or the repayment on a specific loan.
Leave blank if applying alone
Loans must be repaid by age 65
Car loans, personal loans, etc.
Indicative variable rate
Two modes: estimate how much you can borrow from your income, or work out the monthly repayment on a loan amount you already have in mind.
The calculator has two tabs. “What can I afford?” starts from your income and works backwards to a maximum loan, property price and deposit — the way a bank sizes a mortgage. “Monthly repayment” goes the other way: enter a loan amount, term and rate and it shows the monthly payment and total interest over the life of the loan.
Both use the standard amortisation formula banks use, with the Malta-specific affordability rules described below. The figures are indicative and meant for planning, not a credit offer.
Roughly enough that repayments stay within 35% of gross income, stress-tested above the offered rate, with the loan ending by age 65.
Three rules drive the maximum loan a Maltese bank will offer:
10% as a first-time buyer (90% loan-to-value), 25% for a second home (75%) — plus closing costs on top.
Lenders advance a percentage of the property value, known as loan-to-value (LTV). First-time buyers can usually borrow up to 90%, so a 10% deposit. For a second home you’re typically capped at 75%, a 25% deposit. The calculator applies whichever matches the first-time-buyer box.
Remember the deposit is on top of stamp duty, notary fees and the other closing costs — budget for those separately.
A variable rate around 3.5% is typical, plus a processing fee of about 0.25% of the loan and bank legal fees (often waived for first-time buyers).
Maltese home-loan rates are usually variable and linked to the lender’s base rate. A typical variable rate is around 3.5%, with an APRC a little higher once fees are included — that’s the default here, but you can change it to match an offer you’ve received.
On top of interest, expect a processing fee of roughly 0.25% of the loan (minimum €100) and bank legal fees (around 0.325% of the loan plus VAT), the latter often waived for first-time buyers.
No — it's an indicative planning estimate. Get a formal pre-approval before making an offer on a property.
This tool models the headline rules, but a bank’s actual decision looks at your net income, employment stability, credit record, other commitments and the specific property. Two people with the same salary can be offered different amounts.
Use the estimate to set your search budget, then get a formal pre-approval (sanction letter) from a bank before signing a promise of sale.
Common questions
Maltese banks typically lend so that your total monthly loan repayments stay within about 35% of your gross income, stress-tested at roughly 1.5% above the offered rate, with the loan repaid by age 65. On a €28,000 salary that usually works out around €180,000–€200,000, depending on your age and any existing loans.
First-time buyers can usually borrow up to 90% of the price, so a 10% deposit. For a second home you're generally capped at 75%, meaning a 25% deposit. On a €250,000 home that's €25,000 as a first-time buyer or €62,500 for a second home — plus closing costs on top.
It defaults to 3.5% — a typical variable rate for Maltese home loans — but you can change it. Maltese home-loan rates are usually variable and linked to the lender's base rate, so the rate you're actually offered may differ.
Up to 40 years, but the loan must normally be fully repaid by retirement age (65). So your maximum term is the lower of 40 years and 65 minus your current age — a 40-year-old would get up to 25 years.
No. This is an indicative estimate to help you plan. A bank assesses your net income, employment history, credit record and the specific property before issuing a binding sanction letter. Always get a formal pre-approval before making an offer.
Beyond the deposit, expect stamp duty (reduced or waived for first-time buyers on the first €200,000), notary and searches, an architect's report, agency fees and bank processing fees of around 0.25% of the loan. See our cost-of-buying guide for worked totals.
Keep reading
0% stamp duty on the first €200,000, the €10,000 First-Home grant, eligibility, timeline and pitfalls — with live listings under €200k.
Read guideEvery cost beyond the listing price — stamp duty, notary, architect, agency, bank fees — with worked totals at €250k, €400k and €700k.
Read guideReplacement-of-residence refund up to €4,300, the 12-month sell-and-buy window, and how the scheme interacts with UCA and Gozo reliefs.
Read guideLive asking prices, weekly listing volume and locality breakdowns aggregated from 15+ Malta agencies, updated daily.
Read guideThis calculator provides indicative estimates for general information only and is not a credit offer or financial advice. Actual lending decisions, rates and terms are at each bank’s discretion. The anonymous figures you enter (including profession) may be used in aggregate to understand borrowing trends in Malta — no personal contact details are collected. Always consult a qualified professional before making property or borrowing decisions.
Found your number? Browse live listings across Malta and Gozo from 15+ agencies and filter to exactly your budget.
Browse properties for sale