HOME LOANS

With the hundreds of products to pick from, and constant change to policies and interest rate offerings, our team at Sammut Finance can offer their professional guidance to ensure your loan suits your needs with leverage in to 35+ lenders who we are accredited with.

Home buyers can often experience stressed, confused and sometimes even uncertain when filtering the many offers in the lending market. Our service will ensure that you feel supported each step of the way. We will guide you through the many options available and suitable to you, and ensure you understand the details of each product presented so that, jointly a sound and well thought decision is made.

Decoding on a loan is the first step of the loan process. Then there is all the paperwork that follows. At Sammut Finance we ensure that we remove all the stress attached to filling out and gathering the required documentation needed to process a loan. We will be your representatives, working for you before, during and after the loan has settled.

Whether it's Your First Home, Your Next Home or Renovating...

Buying a new home can be a mixture of feelings including overwhelming and exciting. Sammut Finance offers you an all-round solution, covering off every component that is involved in purchasing your home. Regardless of whether you are a first home buyer, or looking at refinancing, Sammut Finance can provide you a complete service taking care of all your financial needs.

Moving out of your current home and into your next home? Sammut Finance can help coordinate the alignment on timings of funds from one property to be used to purchase the next property.

If it's renovating your existing home that is what you want to do, then there are various ways in order to fund the project through finance.

• Using the equity in your home, a fast and low cost solution to fund your renovation is to redraw of your current mortgage to use towards renovating your home, given you have the equity there.
• Apply for a Personal Loan. Alternatively, if you do not have enough equity in your home, another option is to fund your project through applying for a personal loan.
• Decide between a normal loan vs. construction loan to renovate your property. Depending on the scale and scope of your project, it may be an idea to explore the possibilities of applying a construction loan to your renovation dream. Your experienced broker at Sammus Finance will work with you to determine which is best suited for you. For further information on construction land, please refer to the  construction loan section.

Did you know that you do not need to sell your existing home before you buy another? Bridging loans remove the stress from such a situation as it allows you to stay in your current home by using the equity in your loan to finance your new home. This eliminates the need to take out a second loan for the new property, by leveraging the equity in your loan to finance the new home. So technically you will ultimately have two homes and two loans, but will be paying the one loan allowing for the repayments to say the same until you sell your home.