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Creating a future together

Are you buying your first property? Would you like to purchase a rental investment? We have got you covered.

 

We pride ourselves on making your home loan experience as easy as possible, with great interest rates, no processing fees and much more.

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Check out our Swift Home Loans Guarantee and earn extra cash!

Every reason to borrow

Speedy response times

Found your dream home and need to finalise your home loan ASAP? Look no further. Our specialised team of advisors are ready to meet your needs.

No processing fees

Fed up of paying extra fees at every financial institution you deal with? Not at MeDirect. We do not charge any processing fees.

Interest only option​

Buying a new home is exciting but also demanding. We are here to make life easier by offering the possibility to pay interest only during the initial months of your loan.

Customer centric service

Our team of advisors is here to help you and that means making every effort to tailor our service to your needs. Whether you prefer to communicate by phone or email, like to meet in person or online, let us know what’s best for you when it comes to communicating with us and we’ll adapt accordingly.
Customer centric advisors​
Seamless Process

Seamless Process

As a digital bank, we work hard to optimise all our processes. This also means we can get most of the paperwork done online. In fact, you’ll probably only need to come to our offices once, for the deed. All other documentation can be signed electronically, saving you time and supporting the green transformation by reducing the number of journeys on our roads.

Our Mortgage Products

Home Loans

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If you are looking to buy your primary or secondary residential property or want to refinance your existing home loan facility, we will quickly assess your eligibility for a Home Loan.

Green Home Loans

You can reduce your energy consumption and help contribute towards a greener world. To reward this efficiency, we will give you preferential rates on your Green Home Loan.

Home Equity Loans

Home equity is the difference between the value of your property and any existing home loans. You can unlock that value through a Home Equity Loan to purchase the car of your dreams or buy a boat, amongst other things.


Property Investment Loans

With a Property Investment Loan you can borrow money to purchase a property with the aim of growing your wealth through appreciation in the value of the property. You can also use the property to boost your income by renting it out.
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Borrow
Your
Way!

Frequently Asked Questions

How will I know if I am eligible for a MeDirect Home Loan?

At MeDirect we promise speedy response times and no processing fees on our home loans. If you are looking to buy your primary or secondary residential property or want to refinance your existing home loan facility, we will quickly assess your eligibility for a home loan. You need to be over 18 years of age, have an income and enough savings to cover at least 10% of the property cost for your primary residence. If you are purchasing a secondary residence, you will need to have saved at least 25% of the property cost.  Our team is on hand to help you finance all the costs in relation to the acquisition, construction and finishing of your property.

How much is the maximum amount I can borrow?

When assessing your borrowing capacity, we will look at your overall financial situation. This mainly includes:

  • Your current income
  • Your financial commitments

Our Eligibility Calculator will help you get a better understanding of the maximum amount you will be able to borrow.

How much would my initial deposit need to be?

This will be defind depending on which type of residence you are looking to purchase.

 Maximum Loan Amount of the
Total Project Cost
Initial Contribution 
of the
Total Project Cost
Acquisition of Primary ResidenceUp to 90%*10%
Acquisition of Second PropertyUp to 75%*25%

* Terms & Conditions apply.

More FAQs

Have any questions you would like to ask our home loans team?

Applications are subject to the Bank’s lending criteria. Terms and conditions apply and are available on request.

Experience better Banking

The sooner you start managing your money, your way, using the best-in-class tools, the sooner you’ll see results. 


Sign up and open your account for free, within minutes.

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We strive to ensure a streamlined account opening process, via a structured and clear set of requirements and personalised assistance during the initial communication stages. If you are interested in opening a corporate account with MeDirect, please complete an Account Opening Information Questionnaire and send it to corporate@medirect.com.mt.

For a comprehensive list of documentation required to open a corporate account please contact us by email at corporate@medirect.com.mt or by phone on (+356) 2557 4444.