Home loans and buying costs
What will your home really cost?
Monthly repayment, the cash you need up front, and what the loan costs over its whole life.
- First-time buyers: no stamp duty on the first €200,000
- Up to 90% of the price can be borrowed
- Loan terms up to 40 years
Your numbers
The latest 12-month NSO figure shows an average declared sale price of €307,940.
First-time buyers can borrow up to 90% of the price.
APS Bank uses 2.9% variable in its example. New variable-rate home loans averaged 2.53% in August 2026 (Central Bank of Malta).
Lenders offer up to 40 years or to retirement age.
Most notaries charge 1% to 2% of the price, plus VAT.
Valuation, life cover and home insurance for the first year.
Monthly repayment
€1,161/ month
- Loan amount€279,000
- Total interest€139,061
- If rates rise 2 points€1,481 / month
- Net income needed€3,318 / month
Cash needed up front
- Deposit10% of the price€31,000
- Stamp dutyFirst-time buyer: 0% on the first €200,000, 5% above€5,500
- Notary fee1.5% of the price€4,650
- VAT on notary fee18%€837
- Searches and registrations€400
- Bank processing fee0.25% of the loan€698
- Other setup costs€1,200
- Total cash needed€44,285
NoteA 1% provisional stamp duty is paid at the konvenju and sits inside the stamp duty above. The €10,000 First-Home grant for eligible first-time buyers is paid over ten years and is not deducted.
Local suppliers
Get quotes from notaries and home insurers
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How this is calculated
- Standard stamp duty is 5%. First-time buyers pay nothing on the first €200,000 (permanent since 28 Oct 2025). Buyers replacing their home get a refund on the first €86,000, up to €4,300, until 31 Dec 2026. Urban Conservation Area and long-vacant property pays nothing on the first €750,000. Source: Pedament, Budget 2026 property guide.
- Notary fees run 1% to 2% of the price, plus 18% VAT, plus a few hundred euros for searches and registrations (this page uses €400). Source: Pedament, cost of buying property in Malta.
- Banks charge a processing fee. APS Bank charges 0.25% of the loan and refunds it to first-time buyers. The page includes it for everyone. Source: APS Bank home loan calculator.
- Placeholders to replace with real data: €400 for searches and €1,200 for other setup costs.
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.