When considering a home loan, our experience gained over the years and frequent meetings with banking institutions will make what seems to be a complicated and burdensome procedure a very simple one.

We will guide you as to what the banking institutions are currently offering and indicate to you your best options.

The following are the documents you would require for any home loan. Having these prepared will give you a quick reply from the banks usually within 10 weeks.

Purchase and Property Documentation

Architect’s estimation of the property value
Copy of signed preliminary agreement (given to you by notary);
Approved plans and site plan by the Malta Environment and Planning Authority (provided by us);
Energy Performance Certificate (to be provided by Karkanja).

Personal Documentation

Recent pay slip and FS3;
Character reference (unless customer is already an account holder of the bank concerned);
Photocopy of ID card.

Karkanja Ltd.