Best Mortgage Lawyers in Malta

Share your needs with us, get contacted by law firms.

Free. Takes 2 min.

Free Guide to Hiring a Real Estate Lawyer

Or refine your search by selecting a city:

Sciberras Advocates
Birkirkara, Malta

Founded in 2020
10 people in their team
Maltese
English
Our StorySciberras Advocates is a boutique legal practice based in Malta composed of an experienced team of lawyers coming from different business backgrounds who is ready to listen and service you in the best way possible.  We understand that everyone at some point needs legal advice...
Notary Pierre Cassar
Valletta, Malta

English
Notary Pierre Cassar offers comprehensive notarial services from offices in Valletta and Paola, Malta. The Valletta office, located at 51, Old Bakery Street, flat 1, operates Monday through Thursday from 9:30 AM to 2:00 PM by appointment. The Paola office, situated at 21, Church Avenue, is open...
Chetcuti Cauchi Advocates
Valletta, Malta

Founded in 2002
200 people in their team
Maltese
English
Chetcuti Cauchi is a professional services group providing legal, immigration, tax, and fiduciary services to businesses and private clients worldwide. With roots in Malta’s emergence as a prominent offshore financial centre, Chetcuti Cauchi started in the 1990s and has since established a solid...
GVZH Advocates
Valletta, Malta

Founded in 1972
200 people in their team
Maltese
English
GVZH Advocates is a modern and sophisticated legal practice composed of top-tier professionals, firmly rooted in decades of experience in the Maltese legal landscape. Built on the values of acumen, integrity and clarity, we are dedicated to providing the highest levels of customer satisfaction,...

Founded in 2002
English
Chetcuti Cauchi Advocates - Malta Law Firm is a multidisciplinary practice renowned for delivering comprehensive legal and business advisory services to an international clientele. The firm stands out for its broad expertise across key areas, including corporate law, employment, intellectual...

Founded in 2014
English
SMM Group | Malta Law Firm - Advisory | Legal | Corporate delivers comprehensive legal solutions across a diverse range of practice areas within the Maltese jurisdiction. The firm’s team of seasoned attorneys provides specialized counsel in family law, divorce, employment matters, insurance...

Founded in 2004
10 people in their team
Maltese
English
Calleja & Associates is a boutique commercial and civil law practice that provides bespoke services to a select clientele. We provide custom and personalised legal advice and personally assist our clients in all litigation and other dispute resolving fora.Calleja & Associates Advocates is...
GTG

GTG

Valletta, Malta

Founded in 1997
50 people in their team
Maltese
English
Since its founding in 1997, GTG has been at the forefront of Malta’s legal profession, blending together established private practices into a centre of expertise and excellence. Based in Malta’s capital city of Valletta, our ever-growing team of industry specialists is internationally ranked...
InariLaw
Birkirkara, Malta

English
InariLaw is a distinguished Maltese law firm renowned for delivering comprehensive legal services to both local and international clients. The firm specializes in facilitating daily operations, managing complex cross-border transactions, and resolving intricate issues across various industries....
AS SEEN ON

About Mortgage Law in Malta

Mortgage law in Malta governs the process of obtaining a loan secured by a property or real estate. It is a key legal area that ensures the rights and obligations of both the borrower and the lender are protected.

Why You May Need a Lawyer

You may need a lawyer for mortgage-related issues such as contract review, negotiations with lenders, foreclosure defense, or legal disputes. A lawyer can provide legal advice, represent you in court, and help protect your rights throughout the mortgage process.

Local Laws Overview

In Malta, mortgage law is primarily governed by the Civil Code, the Hypothecary Action Act, and the Banking Act. It is important to understand these laws to ensure compliance with legal requirements when obtaining a mortgage in Malta.

Frequently Asked Questions

1. Can a foreigner obtain a mortgage in Malta?

Yes, foreigners can obtain a mortgage in Malta subject to certain restrictions and requirements.

2. What is the typical mortgage process in Malta?

The typical mortgage process in Malta involves applying for a loan, property valuation, loan approval, signing the mortgage deed, and registration with the Land Registry.

3. What are the key factors considered by lenders when approving a mortgage in Malta?

Lenders in Malta consider factors such as income, credit history, property valuation, loan amount, and loan-to-value ratio when approving a mortgage.

4. What are the implications of defaulting on a mortgage in Malta?

Defaulting on a mortgage in Malta can result in legal action by the lender, foreclosure proceedings, and potential repossession of the property.

5. Are there any government schemes or incentives for first-time homebuyers in Malta?

Yes, the Maltese government offers various schemes and incentives for first-time homebuyers, including reduced stamp duty rates and grants.

6. How can a lawyer help me with my mortgage in Malta?

A lawyer can provide legal advice, review mortgage contracts, negotiate with lenders, represent you in court if needed, and help protect your rights throughout the mortgage process.

7. What are the costs associated with obtaining a mortgage in Malta?

The costs of obtaining a mortgage in Malta include legal fees, notarial fees, stamp duty, property valuation fees, and potentially mortgage broker fees.

8. How long does it take to complete the mortgage process in Malta?

The mortgage process in Malta can vary, but typically takes a few weeks to a few months from application to loan approval and property registration.

9. Can I renegotiate the terms of my mortgage in Malta?

Yes, you can negotiate with your lender to modify the terms of your mortgage in Malta, such as interest rates, repayment terms, or loan amount.

10. What are my rights as a borrower in Malta?

As a borrower in Malta, you have rights such as the right to fair lending practices, the right to privacy of financial information, and the right to challenge unfair or predatory lending practices.

Additional Resources

For additional information on mortgage law in Malta, you can contact the Malta Financial Services Authority, the Chamber of Advocates in Malta, or consult legal resources such as the Civil Code and the Hypothecary Action Act.

Next Steps

If you need legal assistance with your mortgage in Malta, the next step is to consult with a qualified lawyer who specializes in mortgage law. They can provide legal advice, review your mortgage contract, and represent you in any legal proceedings related to your mortgage.

Lawzana helps you find the best lawyers and law firms in Malta through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Mortgage, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Malta - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.