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What is the Borrower-Based Measures Directive and how will it affect me as a borrower?

The Borrower-Based Measures Directive was issued by the Central Bank of Malta (CBM) in March 2019. It aims to protect both the banks and the borrowers from potential financial risks associated with purchasing property.

The Directive sets limits on the amount of money you can borrow and the maximum number of years you have to fully repay the loan.

After taking into consideration what property you will be purchasing and whether you hold any other home loans, you will be classified in one of the two categories determined by the Directive. Each category with its own limitation.


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.