Home Loan Packages


APS Bank Home Loans

Your APS Home Loan - Less Stress, the APS way.

APS Bank has the expertise and knowledge to assist you in financing your home with tailor-made home loan packages. We want you to unlock the door to the home of your dreams. Here are some of the things APS Home Loan packages enable you to do: 

  • Buy a plot of land, build your new home and add finishings to it
  • Finance the finishings in your newly purchased shell form property
  • Buy a finished property 
  • Renovate or upgrade your present property
  • Buy a second property or summer residence
  • Re-finance your home loan from another bank

Switch to an APS Home Loan Package

It’s never too late to become another satisfied APS Bank Home Loan customer. With no cost being charged by APS Bank to switch from your current bank, no processing or legal charges and very attractive interest rates, it is definitely worth considering this possibility to improve your situation. APS Bank pays up to €700 of your notary fees to make switching even easier.

Representative example of a Fixed Interest Rate Home loan

On a fully utilised Fixed Interest Home Loan (FIRHL) of €150,000 at a fixed borrowing interest rate of 2.5% p.a. for the first 24 months and a variable borrowing interest rate of 3% p.a. for the remaining 456 months, the APRC will be 3.05% p.a. The loan will be repayable in 24 equal monthly instalments of €497.55, followed by 456 equal monthly instalments of €538.81 over a term of 40 years. The total sum payable throughout the term of the loan will be €257,788.56 (being capital of €150,000, interest of €107,638.56 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 €259,478.40. The FIRHL rate could result in savings of up to €1,839.84 in interest.

All FIRHL are subject to the final approval from your APS servicing branch.

*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 24 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 and second-time home buyers acquiring their first residential unit. 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.

Terms and conditions apply and are available on request.

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Home Loan Calculator

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Pre-contractual General Information Sheet


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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