Mortgage affordability calculator
How much you might borrow and what that could buy, from your take-home pay, deposit, age and term.
Last checked 2 Nov 2026. An estimate only. Ask a notary, your bank or the Commissioner for Revenue before you rely on it.
Result
Fill in the form and choose Calculate to see the result.
Rates and limits used
- Loan-to-value, first home90%
From 26 Mar 2026 · Source: Central Bank of Malta: borrower-based measures (Directive No. 16, as amended)
Needs verificationRead in Market research notes (unverified); not yet checked against the official text.
- Loan-to-value, other buyers75%
From 26 Mar 2026 · Source: Central Bank of Malta: borrower-based measures (Directive No. 16, as amended)
Needs verificationRead in Market research notes (unverified); not yet checked against the official text.
- Repayments as a share of take-home pay40%
From 26 Mar 2026 · Source: Central Bank of Malta: borrower-based measures (Directive No. 16, as amended)
Banks also test repayments at a higher "stressed" rate, so their figure can be lower.
Needs verificationRead in Market research notes (unverified); not yet checked against the official text.
- Longest term, first home (years)40
From 26 Mar 2026 · Source: Central Bank of Malta: borrower-based measures (Directive No. 16, as amended)
40 years for a first home. For other buyers the Central Bank limit is 25 years (next rule).
Needs verificationRead in Market research notes (unverified); not yet checked against the official text.
- Longest term, other buyers (years)25
From 26 Mar 2026 · Source: Central Bank of Malta: borrower-based measures (Directive No. 16, as amended)
Applies when "This will be my first home" is not ticked.
Needs verificationRead in Central Bank of Malta borrower-based measures page (unverified against the Directive text); not yet checked against the official text.
- Age by which the loan must be repaid65
From 26 Mar 2026 · Source: Central Bank of Malta: borrower-based measures (Directive No. 16, as amended)
The Central Bank limit is the official retirement age (65 if you were born after 1961). Some banks lend beyond it in exceptional cases. Ask yours.
Needs verificationRead in Lender practice; varies by bank (unverified); not yet checked against the official text.