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BOV Home Loans
At Bank of Valletta we know that whether you are a first time buyer or acquiring your second residence, the purchase of a new home requires careful consideration.
HomeLet
Are you looking for an investment property with the intention of renting it out? Then look no further. At Bank of Valletta, we can assist you with a HomeLet loan specifically designed for such a purpose, which can help you maximise to the full on your new investment. 
Overview
Benefits
Terms & Conditions
Apply Now

The HomeLet is specifically designed for personal customers who wish to invest in a residential property for letting purposes.

  

                 

The main benefits include:

A loan up to €500,000 to purchase and complete a residential property for letting purposes

• A maximum term of up to 20 years

• Rental income (actual or potential) can be considered for repayment purposes (terms and conditions apply)


Use our 
Home Loan Calculator to calculate the amount you can borrow, your monthly repayments and more.

A minimum contribution of 30% of the purchase price and completion costs (where applicable) is required. The maximum loan amount cannot exceed 70% of the purchase price and completion costs (where applicable) or professional valuation of the property, whichever is the lowest.

Loans are subject to normal bank lending criteria and final approval from your BOV branch.

The term of the loan must not exceed 20 years and cannot go beyond retirement age. 

A 'European Standardised Information Sheet' (ESIS) will be provided from any BOV branch on inquiry. All relative charges, terms and conditions are quoted in the relative sanction letter.

This home loan product is a credit agreement and may be secured by a hypothec or privilege on residential immovable property and/or by a right related to residential immovable property.

In order to obtain the credit, you will also be required to pledge, in favour of the Bank, a life assurance policy covering the loan amount being financed, and a buildings replacement policy, the cost of which cannot be determined in advance.  

In the case of foreign currency loans, possible fluctuations of the exchange rate could affect the loan amount repayable.  In the event of non-observance of the commitments linked to the credit agreement, you may risk losing the immovable property.


 

A BOV Motor Loan means all this:
• a fast and flexible solution to obtain finance for your dream car or motorcycle; 
• an unsecured loan of up to €40,000; or a secured loan that would enable you to benefit from a discounted interest rate; 
• full finance for your motorvehicle; 
• you may pay off the loan at any time with no early repayment fee; 
• administer and monitor your account by means of BOV 24X7 Services

 Apply now and you’ll benefit from:

• All processing fees are presently being waived
• Loan term that may be extended up to 7 years for loan amounts of €7,000 or over

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If you want to learn more about this limited offer, you may click on the ‘Live Help’.  One of our representatives will be able to help you immediately.

You can also choose your next step from the options available below:
  • Visit the BOV branch of your choice for more details or to receive a personalised home loan quotation.
     
  • Call our Customer Service Centre on 2131 2020 between Monday and Saturdays, from 8.00am to 8.00pm (excluding Bank and Public Holidays)

  • Send us a blank sms on 79696975 (normal SMS tariffs apply) and we will return your call for further details

  • Send us an e-mail at customercare@bov.com

  • Click on the ‘Get in Touch’ icon on the right hand side and submit your query and contact details. We’ll contact you as soon as possible

         Use our Home Loan Calculator to calculate the amount you can borrow, your monthly repayments and more.
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BOV Property Form - ADV111
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).