I bought my home within the last 5 years

If you’ve lived in your home for around 5 years, you’re going to be nicely settled and will probably have some ideas of improvements you would like to make to the property. They could include renovation, landscaping, redecoration, embellishment, extension or something else.

APS provides property loans for such an occasion, or you could apply for an APlus account if you don’t already have one. Both are cost-effective ways of financing big property projects on your home.

Home embellishment

We all love our homes when we purchase them and we sure do love upgrading our homes. Most things can be achieved with a little saving, but larger projects may need a little more cash. Extensions to add a new bedroom, more living space or a garage will need a significant amount of money to achieve a high standard.

We can help. Popular home embellishment projects include:

  • Underfloor heating
  • Bathroom remodelling
  • Kitchen improvements
  • Complete redecoration

If you have lived in your home for a few years and are feeling the urge to improve, join the thousands of happy customers of APS. Our ethical lending ensures you get the finance you need without overstretching yourself. Visit us to learn more!


Bored with your current décor? Want something new and exciting? Don’t have the cash at hand? We can help. Having your home redecorated is a real treat. Redecoration can including anything from repainting a room, wall murals, exterior improvement, or a complete home makeover.

Whatever your aspirations, whatever your ambitions, APS can help. You provide the imagination, we’ll provide the funds.

Home extension

If you’re fortunate enough to have some land with your home, you might consider enlarging the property to provide more living space, an extra bedroom, a home gym, garage or something else.

When your family grows, you might find yourself in need of more living room. If you have the space, don’t move, improve. There are some great architects and builders in Malta that can design and construct some fantastic home additions.


Mortgage refinancing is a simple way to acquire the cash needed to settle more expensive debts, make your mortgage more affordable, raise money for investment or other uses.

It is possible to remortgage at a lower interest rate or for a longer period. Both, if done correctly, would lower your monthly mortgage payments and help make home ownership more affordable. You could also use the money to pay off other debts.

If you’re considering investing in a venture or need to raise considerable capital for other uses, refinancing may be suitable. Much depends on the equity in your home, the affordability of the new loan and what you’re going to be using the money for.

Refinancing isn’t a quick fix, it’s a long term plan so careful consideration is essential. If you would like more information or want to switch to an APS mortgage, contact us today to schedule an appointment with one of our mortgage experts.


Landscaping can be a good option for improvement should your house have extra land available. Having a professionally designed garden can provide many moments of relaxation, provide a sanctuary for you and can be a great place to invite friends over.

How about that pool you always wanted? Our summers can get quite hot, making your own pool an attractive investment. Not only will it give you many years’ faithful service and offer relief from the heat, it can also increase your property value if done well.

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