Finance House

Finance House plc is a Maltese lending company that arranges loans for vehicles and other purchases, mostly through a simple online application. It was incorporated and licensed by the Malta Financial Services Authority in January 2013, first as a car loan provider, and now offers car, motorbike, boat and other personal loans to individuals and businesses. The office is in the Agora Business Centre on Valley Road in Msida. Despite the directory heading, the company is a consumer lender rather than a mortgage broker, and it appears in our list of mortgage advisors in Malta for that reason.

Over its first twelve years it has helped more than 16,000 customers. The stated vision is to be a leading, dependable and trusted financing provider, with personalised, efficient and competitive solutions and a high standard of service.

Loans on offer

The main products are car loans and motorbike loans, with boat loans and other personal loans also part of the portfolio. The site includes a loan calculator and a quick check of loan options, and mentions an offer of no deposit for eligible applicants. Interest rates vary with the loan term and the amount requested, and terms and conditions apply, so check the contract before you sign.

Repayments are made by direct debit or standing order, and borrowers can make extra payments or repay in full early without extra fees. Funds are normally paid straight to the supplier named on your invoice, so the money goes to the dealer rather than to you. The first bill falls due on the 5th of the month after signing or the month after that, depending on the signing date. A tariff sheet shows the fees, and a representative example is on the FAQ page.

Applying and what you need

You can apply online or by visiting the office. The company aims to give an initial reply within four days, excluding Sundays and public holidays, once all details and paperwork are in. It checks affordability and credit rating and follows Know Your Customer and anti-money-laundering rules.

Applicants send a valid ID card or passport, the vehicle driving licence, a rental agreement where relevant, and the latest three payslips with the previous year's FS3 tax statement. Self-employed borrowers supply profit and loss accounts and tax statements for the last two years. Non-Maltese nationals may be asked for proof that they have lived in Malta for more than two years, along with details of occupation and permanency, which is worth knowing for British residents. Our relocation guide for Malta and the Malta tax guide for UK nationals explain residence and tax basics.

Regulation, board and team

Finance House p.l.c. is a financial institution regulated by the Malta Financial Services Authority under the Financial Institutions Act and authorised to carry out lending activities. For background on the sector, see our guide to financial services in Malta.

James Zammit is Managing Director, David Curmi is Chairman and Maria Micallef is a Board Director. Ivan Cacciattolo is Chief Operations Officer, Karl Fenech Adami is Chief Financial Officer and David Collins is Credit Control Manager. Businesses that need accounting alongside finance can look at nearby firms such as 3a Malta, A4 Services Limited and Accounting Services, or at CLA Malta for broader corporate help. The corporate tax structure guide covers company tax.

Visiting the Msida office

Msida sits at the head of Marsamxett harbour between Valletta and Gżira, and the guide to Malta gives wider context for newcomers. Opening hours are Monday to Friday, 8:30 to 15:30, so plan a visit within the working day. Use the VisitMalta.co.uk enquiry form on this page and we will pass your message to Finance House plc.