Are the Malta home loan calculator results accurate?

The results are indicative estimates only. The calculator combines publicly available information and typical affordability rules from Maltese banks to help you understand what might be possible, but it does not replace a full assessment by a lender. Your actual approved loan amount, rate and terms may be higher or lower once a bank reviews your full financial situation.

Does the calculator support joint applications or a partner?

Yes. You can optionally add your partner’s age, income and commitments so the calculator can estimate a combined home loan affordability, similar to a joint application with Maltese banks.

Can I use this Malta mortgage calculator if I’m buying in Gozo?

Yes. The calculator focuses on income, commitments and typical loan-to-value rules, so it can be used for properties located in both Malta and Gozo. However, banks may still apply slightly different policies depending on the property type and exact location.

Malta Home Loan Calculator | Malta Mortgage Affordability & Bank Comparison

Q: How much can I borrow for a home loan in Malta?

The maximum amount you can borrow for a home loan in Malta depends mainly on your income, age, existing commitments and the bank’s internal policies. This Malta home loan calculator uses typical affordability rules from Maltese banks to give you an indicative maximum loan amount based on the information you enter, but your bank will always provide the final figure after reviewing your full profile.

Q: What deposit do I need to buy a property in Malta?

For many first-time buyers in Malta, banks typically finance up to around 90% of the property value, which means you may need a deposit of around 10%. This can vary depending on the bank, your circumstances, and whether the property is your main residence or an investment. The calculator shows you an estimated deposit amount based on common loan-to-value assumptions.

Built for Malta & Gozo
Based on typical rules used by Maltese lenders.
Single or joint applications
Add a partner’s details to see combined affordability.
Free & anonymous
No signup required. Use it as a starting point before talking to banks.

Your Details

Age *

Gross Salary (yearly) *

Other Commitments (monthly)

Include loans, credit cards, and other regular monthly payments.

Partner Details (Optional)

Partner Age

Partner Gross Salary (yearly)

Partner Other Commitments (monthly)

How this Malta home loan calculator works

This tool applies affordability formulas that are based on the same rules Maltese banks use in their own calculators and published criteria. It gives you a realistic starting point, but it does not replace a full assessment or quotation from the bank itself.

Enter your income & commitments

Add your salary, any existing loans or credit, and optionally your partner’s details.

We apply typical Maltese bank formulas

The calculator estimates your maximum loan, deposit and monthly repayment using formulas that mirror common affordability rules used by lenders in Malta.

Compare and talk to your bank

Use the indicative results as a benchmark when you speak to different banks or your advisor.

Malta home loan & mortgage FAQ

How much can I borrow for a home loan in Malta?

The maximum you can borrow depends on your income, age, existing commitments and the bank’s internal lending policies. This calculator uses common affordability rules from Maltese banks to give you an indicative maximum loan amount based on the details you enter.

What deposit do I need to buy a property in Malta?

Many first-time buyers are typically expected to contribute a deposit of around 10% of the property value, but this can vary by bank and property type. The calculator estimates the deposit based on typical loan-to-value ratios used in Malta.

Are these Malta mortgage results guaranteed?

No. Even though the calculator is built around the same type of affordability formulas that Maltese banks use in their own tools, the results are still indicative only. Each bank can update its rules, make exceptions, or interpret your profile differently, so you must always request a formal quotation and approval directly from the bank before making any decisions.

Can I add my partner to the calculator?

Yes. You can optionally enter your partner’s age, income and other commitments so that the calculator can estimate affordability similar to a joint application with a Maltese bank.

Can I use this for properties in Gozo?

Absolutely. The calculator focuses on income, commitments and general lending rules, so you can use it for properties located in both Malta and Gozo. Individual banks may still adjust their offers based on property type and location.

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