How savers maximise returns while preparing for their first home

Apr 22, 2026

For many first time buyers in Malta, the journey toward homeownership begins long before signing a promise of sale. Rising property prices and longer search periods mean that savers are becoming more strategic about how they manage their funds while preparing for this major milestone. Instead of leaving money idle, more individuals, including couples saving together, are choosing to place their funds in accounts that offer higher interest and predictable growth during the months or years leading up to a purchase. This saving phase has long been a natural part of the homebuying journey, with many individuals and couples setting funds aside well before committing to a property. Some are actively searching for the right home, others are building up their deposit, and many are waiting for construction timelines to progress. In all cases, the funds reserved for a future home can work harder when placed in structured savings options that offer stability and competitive returns.

At Easisave, we see this every day. Savers are looking for a simple, efficient way to grow their money while preparing for long term goals such as purchasing their first home. That is why Easisave is designed to make the process as straightforward as possible. Everything begins online, with customers receiving their Easisave IBAN Account at the start of the process. There are no queues, no appointments, no parking concerns, and no unnecessary steps. Whether saving gradually or making a larger one off deposit, interest begins to accrue once onboarding is completed and the transferred funds reach the account. Ease of use is only part of what makes Easisave appealing. It also offers highly competitive interest rates. At present, customers can earn 2.65% gross per annum on a one year fixed term deposit, or 1.50% gross per annum on the Easisave Savings Account. Both individual and joint accounts can benefit from these rates, making Easisave a practical solution for couples working together towards savings for their first home.

Easisave is a digital savings platform operated by FIMBank plc, a financial institution with more than 30 years of banking expertise in Malta. FIMBank is licensed by the Malta Financial Services Authority and listed on the Malta Stock Exchange. All eligible deposits placed through Easisave are protected under the Malta Depositor Compensation Scheme. Customer support remains an important part of the Easisave experience. Even though the platform is fully digital, assistance is always provided by real people who offer clear, friendly, and timely guidance whenever needed. To learn more please visit www.easisave.com or call 2132 2102.