A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
€21,600
Other buyer ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
€462,209Deposit
€72,328Buying costs
€32,672Monthly repayment
€2,154If rates rise 1%
€2,425Savings used
€105,000A rough guide from common lending limits in Malta (repayments up to about 40% of income, at most 90% of the price, terms up to 40 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
From PropValue Calculator
Advertise here
Reach people working out the cost of buying in MaltaFor lawyers, brokers, surveyors and agents serving Malta. Shown only on these pages, labelled as sponsored.Where are you buying?
Tap a country to load its taxes, regions and buyer types.
Next steps
Partner links: we may earn a fee if you use them, at no cost to you. They never change your result, and we don't recommend any lender or adviser.
Questions
Lenders in Malta usually keep the mortgage repayment under about 40% of your gross income, checked as if interest rates were higher than you'll pay. Enter your income above to see what that means for you.
Lenders usually lend up to about 90% of the price to people who live in Malta, so you need a deposit of at least 10%. On top of that, buying costs come to about 6.2% of the price. If you live abroad, many lenders lend at most 75%.
Other buyer: stamp duty is about €17,500. All buying costs together come to about €21,600, or 6.2% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in Malta. Some rules on who can buy, or which rate applies, can still depend on where you live.
No permit needed.
A Maltese notary. A Maltese bank account.
We last updated the figures on 14 Oct 2026 and checked them against official sources on 14 Oct 2026. We check every country every week, and show a warning if a check is overdue.
Guides
Looking for a bargain?
CasaAlpha Deals checks and rates thousands of repossessions, auctions and price-cut homes every night. Free to join.
We use essential cookies to make the site work. With your permission we'd also use advertising cookies so Google can show ads that keep the site free. We count visits without cookies. Cookie policy · Privacy