05/10/2026
Struggling to cover the 10% deposit on your first home? 🏠💶
Malta’s 10% Deposit Scheme is designed to help eligible buyers who qualify for a home loan but do not have the liquidity needed to pay the deposit when signing the Promise of Sale.
Here’s how it works 👇
💰 Up to €25,000 towards the deposit
The bank provides the 10% deposit through a personal loan, repayable over 25 years, while the Housing Authority covers the interest incurred.
🏡 Property value up to €250,000
The deposit loan can be up to €25,000, with the remaining home loan reaching up to €225,000.
✅ Who can apply?
Applicants must be between 21 and 39 years old, be Maltese or EU citizens, and meet the scheme’s employment, income and lending criteria.
📍 Important to know
The property must be used as your primary residence, and both the Housing Authority’s eligibility requirements and the bank’s lending and creditworthiness checks still apply.
Buying a home can feel like a big step, but understanding the support available can make the process much clearer. ✨
📩 Looking for an eligible property? DM The Elite and let us help you explore your options.