|me> home loan

Build your future

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

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 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 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).

Primary residence

Secondary residence

Important Information

Minimum eligible age is 18 years and pensionary age is assumed to be 65 years.

1

Home loans are applicable for the acquisition of property (primary or secondary residence), construction, completion, home improvements and refinancing of existing home loans.

2

The documentation required to obtain a quote and/or to proceed with your Home Loan application can be found at the following link.

3

The Bank and its products are regulated by the Malta Financial Services Authority.

4

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%