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Home Equity Loans

Let your home lend a hand!

Unlocking the equity in your home could open up opportunities.

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home equity loan

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

What is Home Equity?

Home Equity is the value of the property that you actually own. 

In simpler words, your home equity is the difference between the market value of your home and what you owe.




Your equity can increase in two ways:

How Does a Home Equity Loan Work?

Home Equity Loans

Why with MeDirect?

If you would like further information about the MeDirect Home Equity Loan please contact us by clicking on the ‘Request more information’ button.

A representative from our Home Loan team will contact you to discuss further.

Important Information

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.


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.