Home Loan Offer


You will be able to benefit from this Home Loan offer whether you are buying your first property or changing your existing home. You can also take advantage of this offer if you are buying your second residence, such as a summer home, as long as the purchased property will be used for residential purposes and is not rented out. 


How it works 

The loan can be taken for a term up until you reach the age of 65 years, thus giving you the possibility of repaying your loan throughout your working life.  This will help you have lower monthly repayments split over a longer loan term. You can take a maximum loan amount of €1 million1.

You will be requested to contribute 10% of the total cost of the project for amounts up to €700,000 and 20% of the total cost of projects above €700,000. You will be charged a fixed rate of 2.25% for a maximum period of two (2) years, from the date of the first drawdown of the loan and not exceeding 30th June 2020 and a variable rate of HLBR2 + 0.79% which makes up a final variable effective rate of 2.99%3 for the remaining duration of the loan. 

You have the possibility to repay this loan early, either fully or partially. Early repayments may only be effected through prior arrangement with the Bank. When a partial early repayment is made, the monthly repayment amounts and any applicable costs may be adjusted in order to reflect such partial early repayment. In the event of a partial early repayment, the term for the repayment of the loan shall remain unaltered. In the case of full early repayment during the fixed interest period, an early repayment fee of 1% will be charged on the balance that would have been due to the Bank if the Borrower affected repayments as scheduled. This means that any previous early payment will be added back when calculating the early repayment cost. 

Furthermore, in the case of full early repayment, no refund shall be given by the Bank of any one-time fees paid by the Borrower/s, and of any other fees referred to in this document such as processing and legal fees.

Moreover, in the event of a full early repayment, any amount discounted by the Bank on the processing fee or, on any other fees granted by the Bank to the Borrower/s upon signing the credit agreement, shall be paid to the Bank through the debiting of the Borrower/s’ current or savings account held with the Bank in the name of the Borrower/s, with an amount equivalent to the discount on the relevant fee/s.

We will offer you the choice of either appointing your own architect or of using the services offered by the Bank’s architect for property valuations with a value of up to €250,000. The Bank will send its own architect for property values above €250,000.

In addition to the Home Loan, you can take advantage of:

1.  a Personal Loan, which can be used to finance any4 personal requirements you might have, subject that this loan is taken together with the Home Loan. You can take the Personal Loan for a term of up to 10 years and a loan amount between €5,000 and €20,000. You will be charged 4.99%3 (BBR5 + 2.49%) in the case of a secured Personal Loan and 5.25%3 (BBR5 + 2.75%) in the case of an unsecured Personal Loan; and/or 

2.  an Equity Release Loan for a term of up to 25 years. You will be charged 3.99% (BBR5 + 1.49%). 


Come talk to us

If you're interested in getting a Home Loan, visit us at your preferred BNF Bank branch. Don't forget to bring:

  • your ID card
  • evidence of income:
    • last year's FS3 and the last 3 months' payslips, OR
    • if you're self-employed, last 3 years' Income Tax return, including the Profit and Loss account
  • bank statements of all accounts held with other banks and a signed copy of my new home's preliminary agreement.

We're ready to listen.


1 Loan requests above €1 million will be considered on a case by case basis.

2 HLBR stands for Home Loan Base Rate, which is currently set at 2.20%.

3 Final effective rate.

4 The Personal Loan cannot be taken to pay the 10% upfront Home Loan contribution.

5 BBR stands for BNF Base Rate, which is currently set at 2.5%.

Terms and conditions apply. Click here for further details on this loan product. The loan is subject to the Bank’s lending criteria. The Bank reserves the right to amend or withdraw this loan product from the market at any time, at its sole and absolute discretion and without any prior notice. BNF Bank plc is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994. Registered in Malta C41030 - 203, Level 2, Rue D'Argens, Gzira, GZR 1368, Malta.


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BNF Bank plc is a credit institution licensed by the MFSA to undertake
the business of banking in terms of the Banking Act 1994.