HSBC Home Loan

When you instantly feel at home, go with it. However ambitious your plans are, we want to help make them a reality. That`s why at HSBC we`re providing:

  • Competitive interest rates
  • Specialised lending managers to guide you through the application process
  • Quick decision

HSBC Home Loans, ready for your every unexpected.

Loan to value (LTV)
Initial interest rate
Initial interest rate period Followed by a variable rate,  currently
Overall cost (APRC)
90% 2.45%*

Fixed until

           30 September 2022

2.9% 2.9%
Loan to value (LTV)
Initial interest rate
Initial interest rate period

Fixed until

           30 September 2022

Followed by a variable rate,  currently
Overall cost (APRC) 2.9%

Classic Home loan – Fixed Rate Option

Representative example of a Classic Home Loan based on a loan amount of €170,000 for a term of 360 months being made available to a home loan buyer by HSBC Bank Malta p.l.c. at a fixed borrowing interest rate of 2.45% for the first 30 months and a variable borrowing interest rate of 2.9% p.a. for the remaining 330 months.

The APRC will be 2.9% p.a. The loan will be repayable in 30 equal monthly instalments of €670.44, 329 equal monthly instalments of €708.32 and one final instalment of €773.43. The total sum payable throughout the term of the loan assuming the variable interest rate remains unchanged will be €254495.61.  Applicable charges on this loan are as follows - processing (legal) fee of €200, booking fee of €100, updating of searches fees of €41.70, a fee for post-deed checking of hypothecary charge of €30, and a Bank’s appointed architect fee 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.

How can a HSBC Home Loan help you?

At HSBC we offer a range of products to help meet your needs. With expert help from our lending specialists and home loans with competitive interest rates on the market, it's never been easier to make your dreams come to life. 

Our products

  • Classic Home Loan
    Our standard home loan suiting your needs.
  • HomeStart
    Pay interest only for the first 3 to 5 years on classic home loans.
  • Bridging Loan
    Finance the purchase of a new property and pay off the loan through the sale of your existing property.
  • Interest Only Home Loan
    Pay the loan interest monthly, settle the capital amount later.
  • HomeOwner Loan
    Use your equity as security for a long term loan.
  • Buy to Let Loan
    Looking to buy a residential property to let, we can help you with a Buy to Let Loan.

Contact us about HSBC Home Loans

In branch

By phone

Call us on +356 2380 2380.

Lines are open from 8am to 8pm excluding Sundays and Public Holidays.


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