Malta Mortgage Calculator

Estimate your monthly repayments, stamp duty, and total buying costs based on current indicative rates from Maltese banks.

Property price€250,000

€50k€2M

Deposit€25,000 (10.0%)

€0€250,000

Loan term25 years

5 yrs40 yrs

Interest rate4.50%

1%10%

Select a bank below to use their indicative rate, or enter a custom rate.

First-time buyer

FTBs are exempt from stamp duty on the first €200,000 of the property value.

Monthly repayment

€1,250.62

Loan amount€225,000

LTV ratio90.0%

Total interest€150,187

Total repaid€375,187

PrincipalInterest

Estimated buying costs

Deposit€25,000

Stamp duty

€2,500

Notarial fees (~1.5%)€3,750

Total upfront€31,250

Year 1 interest: ~€10,125

Early years are interest-heavy. Over time, more of each payment reduces the principal.

Current indicative rates — Maltese banks

As of April 2026 · verify directly with each bank

Bank	Rate	Type	Max LTV	Monthly (your loan)
MeDirect Competitive rates, apply online	4.40%	Variable	85%	€1,237.89/mo	Apply
APS BankSelected Up to 90% LTV for primary residence	4.50%	Variable	90%	€1,250.62/mo	Apply
BOV Up to 90% LTV for first-time buyers	4.75%	Variable	90%	€1,282.76/mo	Apply
Lombard Bank Up to 80% LTV	4.85%	Variable	80%	€1,295.74/mo	Apply
HSBC Malta Up to 80% LTV	5.00%	Variable	80%	€1,315.33/mo	Apply

Deposit requirements

Most Maltese banks require a minimum 10% deposit for first-time buyers on their primary residence (90% LTV). For investment or second properties, expect a minimum 20% deposit.

Stamp duty in Malta

The standard rate is 5% of the property value. First-time buyers pay 0% on the first €200,000 and 5% on the remaining balance. Rates are subject to change — check with a notary.

Other costs to budget

Notarial fees (~1–2%), architect fees if needed, bank arrangement fee (varies), and home insurance. Non-EU buyers also need an AIP permit (~€233).

For guidance only. All figures are estimates based on indicative rates and standard assumptions. Actual rates, fees, and stamp duty may vary. Interest rates shown are variable and subject to change at any time. Stamp duty calculations are based on 2025 Maltese legislation and may not reflect all applicable schemes or exemptions. Always consult a licensed notary and your chosen bank before making financial decisions.