How much can I borrow
How much can you borrow?
Enter your income and savings. See the largest home loan the rules allow, and the price of home that goes with it.
- Up to 90% of the price for a main home
- Repayments tested at +1.5 points
- Capped at 40% of net income
Your numbers
Everyone on the loan, after tax. Use a regular figure, not a good month.
Car loans, personal loans, hire purchase, and card repayments.
Loans should end by age 65 unless the lender agrees otherwise.
A longer term means a lower payment and a bigger loan.
The bank also checks your payment at a higher rate. That test is applied for you.
Cash you can put in. Stamp duty, notary and bank fees come out of this too.
Investment and second properties have a lower loan-to-value limit and a shorter term.
Most notaries charge 1% to 2% of the price, plus VAT.
Your own limit for the comfortable figure. Banks set theirs separately.
You could borrow up to
€199,696
- Property price up to€251,700
- Monthly repayment€831 / month
- Tested at 4.4%€1,000 / month
- Loan term30 years
Comfortable or maximum
Comfortable
€199,696
€251,700 home, €831 / month, 35% of your income
Maximum
€199,696
€251,700 home, €831 / month, 33% of your income
What limits you
- Incomelimit€199,696Room for €1,000 a month at the tested rate, after existing payments, within 40% of income.
- Savings and loan-to-value€368,550Lenders can lend up to 90% of the price. Your €60,000 must also cover stamp duty and fees.
- Term30 yearsA longer term lowers the payment, up to the legal and retirement-age limit.
Cash needed for the maximum
- Deposit21% of the price€52,004
- Stamp duty, notary and bank fees€7,939
- Total cash needed€59,943
NoteThis is an estimate, not an offer of credit. Banks also look at your job, credit record and the property, and may lend less.
See what that home really costs
Take the €251,700 comfortable price into the home calculator for stamp duty, fees and the full cost of the loan.
How this is calculated
- The Central Bank of Malta limits home loans. For a main home the loan can be up to 90% of the price. For an investment or second property it is 75%. Source: Central Bank of Malta, borrower-based measures.
- Repayments are tested at the loan rate plus 1.5 points. Existing debts plus that stressed repayment may not pass 40% of net income. Source: Central Bank of Malta, borrower-based measures.
- Terms are capped at 40 years for a main home and 25 years for an investment property, and should end by age 65. Source: Central Bank of Malta, borrower-based measures.
- The price is found by working out how much cash the deposit, stamp duty, notary and bank fees take, then taking the largest price your savings cover. Source: Pedament, Budget 2026 property guide, Pedament, cost of buying property in Malta.
- Assumptions to confirm: that the repayment test uses net income, and which purchases count as a main home. A bank may apply stricter limits of its own.
StatusFigures come from desk research and were last checked on 2026-10-28. Verify each one against the Commissioner for Revenue, the Central Bank of Malta, the Housing Authority, the Planning Authority and REWS before relying on it.