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HomeOwner Loan

Use your property as security for your loan

Unlock the value of your property with a HomeOwner Loan

Your home is probably the biggest investment you've ever made. And if you've owned your property for a long time, it's likely that your home is worth much more than the outstanding balance of your home loan. The difference between the value of your home and the outstanding home loan balance is known as its equity.


With an HSBC HomeOwner Loan, you can use the equity in your property as security for a loan. This type of loan is therefore repayable over a longer term than a normal personal loan.

What you'll get

  • More time to repay
    Pay your loan back over a maximum of 25 years.
  • Lower interest rates
    Access lower interest rates than you'd get with an unsecured personal loan because the loan is secured against your home.
  • Larger loan amount
    Borrow large sums, depending on the equity you have in your home.
  • Flexible spending
    Use the funds from a HomeOwner Loan for practically anything you like.
  • 25% discount on fees

    Save 25% on our processing fees when you book an appointment online.

Things to consider

Loan amount: This will depend on your individual circumstances, the value of your property and outstanding home loan balance and your income. We can lend up to 80% of the value of your home, less any outstanding loan balances secured against it. So if your home is worth €120,000, we could lend €96,000. But if you owe €35,000 on your home loan, the maximum borrowing amount for a home equity loan is €61,000.

Interest rate: Home equity loans are offered at variable interest rates. It's important to consider the effect that interest rate changes could have on your budget.

Term: You can repay the loan over a maximum term of 25 years, up until retirement age.

Purpose: You can use a home equity loan for nearly any purpose - whether you're buying a car or boat, purchasing a property abroad or helping your children with their education. It can also be used for business purposes such as purchasing a fixed asset. If this is the case the loan term should reflect the life span of the item you're buying.

Life insurance: To ensure that your home equity loan is repaid in the event of death, having an adequate life assurance is essential. We can also provide a life policy to suit your needs.

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

Variable interest rates: The Variable interest rate may change over the duration of your HomeOwner loan.  We quote the rate as a margin over the Bank’s Base Rate.   If the Bank’s Base Rate changes, your variable interest rate will also change and will affect your monthly repayment.

Terms and conditions apply.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your home loan.

Loan example

The cost of a HomeOwner loan of €100,000, at a variable borrowing interest rate of 3.99% p.a. with an interest and capital repayment for a term of 300 months is illustrated as follows: The APRC will be 4.2% p.a. The loan will be repayable in 299 equal monthly instalments of €530.50 and one final instalment of €488.35. The total sum payable throughout the term of the loan assuming the interest rate remains unchanged will be €159,879.55.

Applicable charges on this loan are as follows - processing fee of €300; processing (legal) fee of €200; updating of searches fee of €41.70; fee for post-deed checking of hypothecary charge of €30; and fee for bank’s appointed architect of €200 (based on a property value up to €400,000).

The loan is to be secured by a first ranking hypothec and special privilege over the property being financed, 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 financed. If repayments are not maintained, the bank may take steps to sell the property financed following legal proceedings and the borrower may lose his property. Terms and conditions apply.

To apply for a HomeOwner Loan, you must:

  • own your own home
  • meet income and other criteria

To get an online quote you’ll need to be:

  • between 18 and 60 years old
  • a Maltese or EU citizen (or an HSBC Malta home loan customer, if another nationality living in Malta)

What you'll need to apply

  • evidence of income: Last 3 months' payslips and FS3 form if you're employed, or 2 income tax returns if you are self-employed
  • identity card or passport
  • deed of purchase of your home
  • a Bank Appointed Architect's valuation report on our standard valuation form (PDF 302KB)
  • details of any current borrowings
  • details for the second applicant, if you're applying jointly with someone else

Apply in branch

Get a quote over the phone

Give our lending specialists a call on

Lines are open from 08:00-16:00, except Sundays and public holidays.

Financial Difficulties?

At HSBC we're committed to supporting our customers through good times and bad. We understand that unexpected circumstances may impact your finances from time to time.

If you are concerned about your ability to meet your payment obligations with us, it is important that you let us know as soon as possible. We may be able to help.

Please send us an email on if you would like to discuss your situation with a member of our team.

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