Buy-to-Let Loan

Buy-to-Let Loan

Buy-to-Let has become a popular way to invest, as it is attracting better yields than other types of investments. The Buy-to-Let Loan provides you with the required finance to purchase an investment property with the intention to rent it out. You may be just one step away from being able to invest in an additional residential property which could produce favourable financial rewards.

Benefits of a Buy-to-Let Loan:

  • A loan up to €700,000
  • A very competitive interest rate (please refer to the Home Financing Brochure for the relevant APR)
  • Part of rental income considered for repayment purposes
  • The option to finance furnishings as part of the loan
  • The option of rolling part of the notarial fees and stamp duty, up to a maximum of €2,500
  • A maximum repayment term of 25 years


Main features:

  •     Borrow up to a maximum of 70% - You may borrow up to 70% of the total cost of the property, which can include the acquisition, construction, finishing and furnishings, provided that your gross annual income is at least €35,000.
  •     Furnishing your property - Up to 10% of the value of the property can be made available for the purchase of furniture, domestic appliances, soft furnishings and energy saving domestic systems, retaining the same low interest rate as the rest of the loan. This part of the loan can be of a maximum of €20,000.
  •     Repayment over 25 years - This facility may be repaid over a maximum term of 25 years or upon reaching retirement age (whichever comes first.
  •     Rental income considered for repayment purposes - Part of the rental income received from the purchased property will be taken into consideration for repayment purposes over and above your employment income.


Download brochure

Home Loan Calculator

Pre-contractual General Information Sheet


Book an appointment here


Copyright © 2017 APS Bank Ltd
APS Bank Ltd is licensed to undertake the Business of Banking and to conduct Investment Services business by the Malta Financial Services Authority and is enrolled in Tied Insurance Intermediaries List under the Insurance Intermediaries Act 2006