Self-Employed Home Loan Affordability Calculator
Estimate borrowing power from self-occupied net-profit income the way Maltese banks actually underwrite it — multi-year averaging, not a single payslip.
This is an estimate only. Actual lending criteria, income-recognition rules and affordability stress tests vary by lender — speak to a mortgage broker or lender for a precise figure.
How Maltese Banks Assess Self-Employed Mortgage Affordability
Maltese banks don't underwrite a self-employed mortgage applicant off a single year's income the way they might for a salaried employee's payslip. Because self-occupied net profit can swing year to year — and because Class 2 SSC itself is calculated on the PRECEDING year's income, creating its own one-year lag — lenders typically average net profit across multiple recent tax years to estimate a sustainable affordability figure, rather than taking the most recent (and possibly most favourable) year at face value.
What this calculator models
- Multi-year averaging of self-employed net profit, the way Maltese banks actually underwrite affordability
- The resulting affordable loan amount and monthly repayment at your entered interest rate and term
- A more realistic starting point than a standard bank mortgage calculator built around stable payslip income
