Malta Mortgage Guide 2026
Everything you need to know about getting a home loan in Malta.
Understanding Mortgages in Malta
A mortgage (konut kredisi) is a loan secured against property, allowing you to purchase a home while repaying over an extended period. Malta's banks offer competitive mortgage products with terms typically ranging from 5 to 40 years.
Minimum Deposit Requirements
10% Minimum Deposit
In Malta, banks typically require a minimum deposit of 10% of the property's purchase price, meaning the maximum Loan-to-Value (LTV) ratio is 90%.
A higher deposit offers benefits:
- Lower monthly payments
- Potentially better interest rates
- Reduced total interest over the loan term
- More equity from day one
Interest Rates
Mortgage interest rates in Malta vary between banks and depend on several factors:
| Rate Type | Description |
|---|---|
| Variable Rate | Fluctuates with the ECB base rate. More common in Malta. |
| Fixed Rate | Locked for a period (1-5 years typically), then converts to variable. |
| Tracker Rate | Follows ECB rate plus a fixed margin. |
As of 2026, typical mortgage rates in Malta range from 3.5% to 5.5% depending on the bank and loan conditions.
Additional Costs
Beyond the deposit, budget for these additional expenses:
- Stamp Duty: 5% of property value (exemptions for first-time buyers)
- Notary Fees: Typically 1-1.5% of property value
- Bank Fees: Arrangement fees, valuation fees
- Insurance: Building insurance is mandatory
Eligibility Criteria
Banks assess your application based on:
- Income: Stable employment or business income
- Debt-to-Income: Monthly repayments shouldn't exceed ~30-40% of net income
- Credit History: Clean payment history
- Age: Loan must typically be repaid before retirement age
Malta Calculator Editorial Team
Financial Content Specialists | Malta Tax & Employment Experts
Our team specializes in Maltese tax law, social security contributions, and employment regulations. All content is reviewed against official sources from the Malta Commissioner for Revenue and the Department of Social Security.
Official Sources
Data verified as of 1 January 2026. Rates and thresholds are subject to change based on Malta government budget announcements.
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the mortgage calculator on this site is amazing! helped us figure out what we can actually afford. looking at about €180k which limits options in malta but at least we know now
Good overview. I'd recommend shopping around between banks - rates can vary by 0.5% or more which adds up to thousands over the life of the mortgage. Don't just go with your current bank!
Solid guide. One tip: most banks require at least 10% deposit for Maltese residents and up to 30% for non-residents. Start saving early and keep good financial records for the application.
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