APS Green Home Loan

Rewarding your efforts

Sustainability is at the heart of our purpose and in line with this we are introducing the APS Green Home Loan.

With the APS Green Home Loan, we are rewarding those individuals who opt for a more sustainably designed home by reducing their energy consumption requirements.

What is the APS Green Home Loan?

The APS Green Home Loan offers discounted interest rates to those buying a property which is energy efficient.

What are the benefits of the APS Green Home Loan?

You will benefit from a discounted fixed interest rate of 1.00% for the first 5 years of the home loan, which will be followed by a variable interest rate for the remainder of the loan’s duration.

Am I eligible for the APS Green Home Loan?

If your future home has a valid and low scoring asset-rated Energy Performance Certificate (EPC) rating, then you are likely to be eligible for the APS Green Home Loan. The lower the Energy Use and Carbon Dioxide Emissions scoring, the better.

What if I already have a home loan with another Bank?

If your home has a low scoring asset-rated EPC rating, then you may be eligible for the APS Green Home Loan. In that case, you can shift your home loan to APS and benefit from the discounted rate.

Contact us to set an appointment and we will confirm whether your EPC rating is eligible for the APS Green Home Loan.


A Representative Example of the APS Green Home loan

On a fully utilised APS Green Home Loan of €150,000 at a fixed borrowing interest rate of 1.00% p.a. for the first 60 months and a variable borrowing interest rate of 2.90% p.a. for the remaining 420 months, the Annual Percentage Rate of Charge (APRC) will be 2.33%* p.a. The loan will be repayable in 60 equal monthly instalments of €380.27, followed by 420 equal monthly instalments of €512.78 over a term of 40 years. The total sum payable throughout the term of the loan will be €238,333.80 (being capital of €150,000, interest of €88,183.80 and a booking fee of €150). The total sum payable throughout the term of the loan if the fixed rate was not available would be €255,428.40. The APS Green Home Loan’s fixed rate could result in savings of up to €16,944.60 in interest.

*The APRC calculation is based on the following assumptions: The consumer lending bank base rate (currently at 2.25%) remains unchanged during the variable borrowing interest period of the loan. No loan prepayments are done during the first 60 months and the loan is repaid as scheduled for the full duration of the facility. The facility is utilised in full within the first 3 months after being sanctioned. A processing fee (0.25% of the loan amount) will be collected at the time of issuing the sanction letter and will be refunded in full at the time of signing the contract. Bank legal fees (0.325% of the loan amount + VAT) will be waived for first time home buyers. The credit agreement is to remain valid for the period agreed between the Bank and the consumer, and that both parties will fulfil their obligations under the term and by the dates specified in the credit agreement. The APRC calculation is based on the total cost of the credit to the consumer, expressed as an annual percentage of the total amount of credit.

The worked example does not include the following items since such costs cannot be determined in advance: A life assurance policy covering the amount of the facility and a building replacement policy which are to be pledged in favour of the Bank and periodic updating of searches since such fees would incur Public Registry and Lands Registry fees.

Life and property insurance are obligatory in order to obtain the loan. The loan is to be secured by a first ranking general and special hypothec and special privilege over the property being financed in Malta, a first ranking pledge over a life assurance policy covering the whole loan amount and a buildings insurance policy for the replacement cost of the property being end-financed. In the event of non-observance of the terms and conditions, including non-adherence to the loan repayments, the Bank may take steps to sell the property financed, following legal proceedings, and you may lose the property.


Approved and issued by APS Bank plc, APS Centre, Tower Street, B’Kara BKR 4012. APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994. Applications are subject to the Bank’s lending criteria. Terms and conditions apply and are available on request.

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APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994 and to carry out Investment Services activities under the Investment Services Act 1994. The Bank is also registered as a Tied Insurance Intermediary under the Insurance Distribution Act 2018.