Green Home Loan

Financing energy efficient homes

We offer a range of home loans designed to be in your best interest!

Why a Green Home Loan?

You can reduce your energy consumption and help contribute towards a greener world. 

Some simple steps towards a more sustainable home are to use LED lights, purchase white goods that are energy efficient and use renewable energy sources. By doing so, your property will be more energy efficient which will be reflected in your Energy Performance Certificate (EPC) score.

To reward this efficiency, we will give you preferential rates on your home loan!

Why with MeDirect?

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.

Capped refund of notarial costs

Are your notarial fees too much to handle? Not to worry. At MeDirect we not only do not charge any processing fees but we also refund part of your own notary fee!

Our Interest Rates

Use our Green Home Loan Calculator to estimate your monthly loan repayment and maximum loan term. Loan value is calculated on the basis of the inputted annual gross income and age of one or two home loan applicants, together with any monthly financial commitments. You will also be able to test different loan values by adjusting the suggested loan results.

 

If you would like further information, wish to request a detailed quote or proceed with a green home loan application, please contact us by using the ‘Request more information’ button. A representative from our Home Loan team will contact you to discuss further

Here you may find a representative example which provides a typical loan scenario including respective Annual Percentage Rate of Charge (APRC).

Have any questions you would like to ask?

Important Information

Frequently Asked Questions

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

If you are looking to either purchase your primary or secondary residential property or else refinance your existing home loan facility, we would be able to assess if we can offer you our home loan product.

You would 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 or at least 15% if you are looking to buy your secondary residence.

We will  guide and help you finance all the costs in relation to the acquisition, construction and finishing 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 defined 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 Residence

Up to 90%*

10%

Acquisition of Second Property

Up to 75%*

25%


* Terms & Conditions apply.

More FAQs

More Information

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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.