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Bridging Loan

To apply call +356 2380 2380 or

Helping you move home


Income and other criteria will apply.

Loan Amount

This will depend on your individual circumstances, the value of the property you want to buy, the value of the property you want to sell, and your income.

We may normally finance up to a maximum of 90% of the lower of the purchase price or the valuation of the property you want to buy.

Term of loan

A bridging loan is normally to be repaid within a maximum term of 24 months.


Interest is to be paid on a monthly basis.

A bridging loan is normally to be repaid from sale proceeds of present residence, within a maximum term of 24 months.


There are no charges for making extra repayments on a bridging loan.

Documentation Required

The following documentation is required for a loan application:

  • Evidence of income; latest three months' payslips and FS3 form if you are employed, or three income tax returns if you are self-employed.
  • Architect's valuation report on our standard form.
Download the architect valuation report form
  • Identity Card; if you are not a Maltese citizen you also need to get your passport.
  • Preliminary agreement or deed of purchase of property.
  • Other documentation as we may advise.

Life Assurance

To ensure that your home loan is repaid in the event of death, having an adequate life assurance is essential.If you wish we can also provide a life policy to suit your needs.

Find out more

Building Insurance

You must take out adequate buildings insurance. This should cover the cost of rebuilding your residence and we recommend that you review the level of cover from time to time to protect your investment.

Personal Protector Plan

Have the peace of mind that your loved ones are protected.

Find out more


Connect with us

Listening to what you say about our services matters to us. It’s easy to share your ideas, stay informed and join the conversation.



Registered Address: 116, Archbishop Street, Valletta VLT 1444. Company No.:C3177

© HSBC Bank Malta p.l.c. 2018. All rights reserved.

Registered Address: 116, Archbishop Street, Valletta VLT 1444. Company No.:C3177

© HSBC Bank Malta p.l.c. 2018. All rights reserved.


What you need to know

  • You must be over 18 years old
  • We promise to get back to you within two working days

Information you will need

  • Personal details, eg names, date of birth, address, telephone numbers and citizenship
  • ID number or passport number
  • Salary and/or other income details
  • Details about the type of property you intend to purchase
  • Details of current borrowing
  • Second applicant's details if you are applying jointly with some else
  • If you are an Internet Banking user ensure that the correct details exist within Internet Banking. You may go to "Update Personal Details" and "Update Correspondence Addresses" within the "Services" section of the Internet Banking.

Variable Interest Rates

Variable interest rates are quoted as a margin over our Home Loans Base Rate.

If the Home Loans Base Rate changes the interest rate will change as well. This will have an effect on your monthly repayment.

There are no overpayment fees or early repayment fees on variable interest rate loans sanctioned since 1 January 2012.

Fixed Interest Rates

When taking out a home loan it is important to give some consideration to the effect that interest rate changes will have on your budget.

A Fixed Interest Rate will ensure that your repayments will remain constant for an agreed term.

Fixed Interest Rate offers are usually available for a limited period of time and each rate will apply for a specific term. We will issue such offers from time to time, with each offer having different rates of interest and duration. At the end of the fixed rate period your loan will be converted to a variable interest rate, unless you decide to opt for a new fixed rate if available.

Fixed Interest Rate options are available on Classic Home Loans and Home Loans for Non-Residents.

Fixed Interest Rates Terms and Conditions

  • Once your application has been agreed, you will be asked to pay a booking fee.
  • A nine-month drawdown period is allowed with the possibility of extending this period by a further three months at a fee.
  • Overpayments can be made without a charge, as long as the total of additional payments made during one calendar month do not exceed 50% of the regular monthly repayment.
  • If you repay the loan in full or switch to a variable rate before the fixed rate period has ended you will be charged an exit fee.
  • Most existing and new home loans may be converted to a Fixed Interest Rate although some restrictions may apply.

We promise a Home Loan decision in 48 hours

We pride ourselves with the speed and quality of service we give to our customers. As a Home Loan customer we promise you that:

  • Loan decision

    We guarantee a decision by the next working day subject to you submitting all the documentation required. This is our promise
  • Letter of approval

    We will issue our letter of loan approval within 1 working day of our informing you of our decision that your loan application has been approved.
  • Appointment of deed of loan

    We will establish an appointment for the deed of loan within 5 working days from receipt of full legal documentation from your notary and provided that you comply with all conditions on letter of approval.
  • Our promise

    We pledge that we will credit your account with €120 should we fail in any of our promises, which we invite you to bring to the attention of your branch manager.
  • Please note: Working days do not include Saturdays, Sundays and Public Holidays.