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Home Loans

Build your future

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

Book an appointment

get your dream home

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

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.

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.

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

Primary residence

Secondary residence

Important Information

New Hope Scheme

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New Hope Scheme

MeDirect is part of the Housing Authority’s New Hope Scheme. This scheme is designed to help people who qualify for a home loan but are unable to obtain a life insurance policy due to previous or current health or disability issues.

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.