Franksalt

First-Time Buyer Scheme’s Voucher Terms & Conditions

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OUR FIRST-TIME BUYER PARTNERS

Terms and Conditions

Discounts and vouchers will be available to first-time buyer clients of Frank Salt Real Estate for all promise of sale agreements signed up to the end of June 2025.

APS Bank plc is licensed by the Malta Financial Services Authority as a credit institution. Applications are subject to the Bank’s lending criteria.

Frank Salt (Real Estate) Ltd. (Enrolment No. C31667) is authorised under the Insurance Distribution Act to carry out Tied Insurance Intermediary activities for GasanMamo Insurance Ltd. as authorised under the Insurance Business Act. Both are regulated by the MFSA.

Frank Salt Real Estate is not responsible for the products and services purchased by clients from the participating outlets.

PARTICIPATING OUTLETS

GasanMamo

50% off towards your first year property insurance

  • Benefit from a 50% discount towards your first-year Home Loan Protect Insurance covering your Buildings from GasanMamo Insurance.
  • GasanMamo Insurance Limited will offer ‘Buildings Insurance’ for the first year at a basic rate of 0.08% of the sum insured excluding government duty and policy fee. Frank Salt Real Estate will apply a 50% discount on the basic rate for the first year only. Government Duty and Policy fee will be charged in full.
  • In order to benefit from this discounted rate, the policy for the Home Loan Protect Insurance needs to be purchased and issued through Frank Salt Real Estate acting as a Tied Insurance Intermediary of GasanMamo Insurance Limited.
  • The discount will be applied on presentation of the relevant voucher that will be delivered to the client at the signing of the promise of sale agreement.
  • For the voucher holders to be able to avail themselves of this offer by GasanMamo Insurance Limited, they need to be accepted as a policyholder for the Home Loan Protect insurance by GasanMamo Insurance Limited. This decision does not depend on Frank Salt Real Estate. Clients participating in the First Time Buyers Package scheme agree to indemnify and hold harmless Frank Salt Real Estate from any injury, damage, loss, delay, cost, expenses or inconvenience which may result should GasanMamo Insurance Limited not accept the client as a policyholder and the proposed risk as aforesaid.
  • Frank Salt (Real Estate) Ltd. (Enrolment No. C31667) is authorised under the Insurance Distribution Act to carry out Tied Insurance Intermediary activities for GasanMamo Insurance Ltd. as authorised under the Insurance Business Act. Both are regulated by the MFSA.
  • The voucher is not transferable.

B4 GROUP

30% discount on kitchens, 30% discount on bedrooms, 20% discount on fabrics, carpets and blinds

  • Discounts are applicable on presentation of the voucher.
  • The voucher is not valid with any other promotion, and cannot be used during sale periods.
  • Discounts do not apply on kitchen tops & appliances.
  • The voucher is valid for 24 months from date of issue and is not transferable.

JOINWELL

Spend € 15,000 (before discount) on your kitchen &/or bathroom from Joinwell and waterART Concepts and we will top up your discount to 30% of the total undiscounted value. You would then also automatically benefit from a 30% discount (on the undiscounted prices) on all the other furniture, bathrooms and sanitary ware you buy from Joinwell and waterART Concepts for the same property for up to 4 years from your first order confirmation.

  • The first order would need to come in by the 31st December 2023

 

 

FERRARACASA

20% off new orders.

The House of Homes – Up to 20% Off- Kitchens | Dining  | Living  | Bedrooms

  • 20% Off Ala Cucine Kitchens & Tv Units
  • 15% Off Zamagna Dining & Living
  • 15% Off Gierre Bedrooms & Tv Units
  • 10% Off Marka Bedrooms
  • 15% Off Stilfar Beds & Mattresses
  • 15% Off Kermes Sofas & Sofabeds
  • Home Furniture Packages starting at €6090
  • All Year-Round Stock offers also available 
  • Discount is valid upon presentation of voucher issued by Frank Salt
  • Discount is not applicable on sale items
  • Discount is applicable on original price
  • Discount is applicable on new orders, excluding pending or previous orders
  • Only one voucher is applicable per order
  • Voucher is valid for one time use only
  • Discount is not applicable on vat, delivery and installation
  • Voucher and offers valid till December 2024

Style Interni

Free mattress when purchasing complete bedroom; free dishwasher when purchasing kitchen & appliances; 25% off when purchasing table with chairs.

Our offers are available all through the year and they can use which offers they want. They can either choose one offer, two offers or even all the 3 offers. – OFFERS DO NOT HAVE AN EXPIRY. OFFERS ARE AVAILABLE ALL THROUGHOUT THE YEAR.

ITC

35% discount on white goods and 30% discount on lighting and water heaters

  • Benefit from a 35% discount on AEG and Electrolux white goods on presentation of the voucher.
  • Benefit from a 30% discount on light fittings and light accessories on presentation of the voucher.
  • The 35% voucher applies on built-in ovens, built-in hobs, built-in microwaves, built-in fridges and freezers, built-in washing machines, built-in dishwashers, cooker hoods, warming drawers, free-standing washing machines, free-standing fridge freezers and free-standing tumble dryers.
  • The 30% voucher can be used on the purchase of water heaters from Electrolux and light fittings from Eglo Leuchten and Ideal Lux, Italy and other lighting brands.
  • The voucher is valid for 6 months from the date of issue and is not transferable.
  • Discount will only be applied to goods purchased from ITC Limited at White House Buildings, Mountbatten Street, Blata l-Bajda.

APS BANK

Refund of booking and processing fees, waiver of legal fees and Bank architect fees, and contribution of up to €250 towards notary fees (subject to the following Terms and Conditions)

When purchasing your first home through Frank Salt Real Estate and, provided that you have been accepted for a home loan as a first time buyer with APS Bank plc, the Bank will refund the booking fee and processing fee, waive the legal fees and Bank architect fees, as well as make a contribution of €150 towards notary fees for a secured home loan of up to €300,000 or a contribution of €250 towards notary fees for a secured home loan of over €300,000, where the said secured home loans are taken out with APS Bank plc.

For a Frank Salt Real Estate client to be able to avail of this offer by APS Bank plc, a voucher will be given to the client upon signing of the promise of sale agreement. Such voucher must be presented to APS Bank plc together with the home loan application. The client must also satisfy banking criteria to be accepted as a home loan client by APS Bank plc – this decision does not depend on Frank Salt Real Estate.

The booking and processing fees are payable by the client upon the issuance of the sanction letter by APS Bank plc. Refunds of such fees shall be affected upon the signing of the final deed of sale.

The contribution towards notary fees may be requested by the client upon presentation of the respective receipts to APS Bank plc.

Clients participating in the First Time Buyers Package scheme agree to indemnify and hold harmless Frank Salt Real Estate from any injury, damage, loss, delay, cost, expenses, or inconvenience which may result should APS Bank plc not accept the client as a home loan candidate.

Voucher is not transferable. Only one voucher may be presented. The voucher has no monetary value and is not redeemable for cash. The voucher shall not be accepted if presented after the expiry date printed on the voucher.

APS Bank plc reserves the right to modify these terms and conditions, and/or to modify, discontinue and/or invalidate the vouchers, for any reason at any time at its sole discretion and without prior notice. APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994. Applications are subject to the Bank’s lending criteria.

CARMELO DELIA

35% on Kitchens, Bedrooms, Living rooms and Sofas

  • Discount is applicable on presentation of the voucher provided by Frank Salt Real Estate.
  • Discount is applicable on Gross Prices. Offer valid on complete Kitchens, Bedrooms, Living Rooms and Sofas. Gross prices are valid for one week from quotation date.
  • Offer valid if confirmed by placing deposit. Price rates are fixed for one year from first deposit.
  • Offer not valid with any other offer or discount.
  • Offer not applicable on tables, chairs, stools, work tops, accessories, appliances, mattresses, single armchairs if bought solely and coffee tables.
  • The voucher is valid for 12 months from the date of issue and is not transferable.

MITON

30% discount on kitchens, 30% discount on bedrooms, 20% discount on fabrics, carpets and blinds

  • Discounts are applicable on presentation of the voucher.
  • The voucher is not valid with any other promotion, and cannot be used during sale periods.
  • Discounts do not apply on kitchen tops & appliances.
  • The voucher is valid for 24 months from date of issue and is not transferable.

Chateau d'Ax

Speical reduced prices on Kitchens, Dining, Living, Bedroom, Appliances & Total discount package.

Kitchen & Dining: Fully outfitted kitchen including:

  • Kitchen hood with filters, Fitted sink and mixer, Cutlery tray, Kitchen top, Set of table and 4 chairs, 240cm TV Unit
  • Price – € 6,178 € 4,324

Kitchen Appliances

  • Kitchen hob, Oven, Fridge / Freezer unit
  • Price – € 2,141 € 1,705

Living

  • Sofabed model (Nizza)
  • Price –€ 1,300 € 998
Bedroom
  • Main Bedroom
  • Prices –€ 3703 € 2,594

     

Total discounted package value: € 13,322  €9621

Prices may be changed at any time without further notice. We reserve the right to change our product’s prices at any time without further notice.

Triple A

10% discount on all white goods packages when spending a minimum of €1000; 15% discount on all white goods packages when spending a minimum of €5000.

Details of our offer:

  • We are pleased to offer a:
  • 10% discount on all white goods packages when spending a minimum of €1000
  • 15% discount on all white goods packages when spending a minimum of €5000

 

T&Cs for our offer:

  • Offer is not valid on sale prices or special discounts.
  • Offer can only be redeemed on new orders by voucher holders only.
  • Offer can be only redeemed in goods and not cash refund.
  • Offer can be redeemed only at Triple A in Luqa, on Beko large appliances.

ORIENTA

35% discount on kitchens, 30% discount on custom fit bedrooms, 20% Discount on Sofas, 20% on Curtains & Blinds, 15% discount on home accessories and furnishings.

  • Discounts are not be used on addition to other discounts and promotions happening in store or online.
  • Kitchen discounts exclude appliances and surfaces.
  • Free delivery to ground floor.

FOCAL TECH

€20 voucher with every €100 spent at Focal Tech Malta on Home Security Solutions

PITRE BATHROMS

20% Pitre Bathrooms; 10% Pitre Hardware Ltd.

Sale only applicable on products not already on sale.

PHOTO CIANCIO

20% off on all Wall ART.

SEAMLESS

Get an additional 5% discount on kitchen tops over and above the discount you get from the Seamless sales team.

Not in conjunction with any other offer; Voucher must be presented physically on order; Only 1 voucher per client. Voucher only applicable on 1 order.

TOP CHOICE

5% off on all items from our store or 15% off on kitchen, home appliances & water heaters when spending €2,000 or more.

Offers not valid on sale items.

OXFORD HOUSE

Get up to 30% discount on all kitchens from Oxford House and benefit from further discounts when buying Bosch appliances with every kitchen purchased.

This offer is not valid in conjunction with any other offers / Validity: 31.12.2024 (must be amended to be valid for 12 months from date of issue).

HALLMANN

  • 15% discount on natural stone
  • 15% discount on ceramic tiles
  • 15% discount on sanitary ware / mixers
  • 15% discount on ceramic/quartz surfacing

 

This offer cannot be combined with any other discounts or special offers. For identification purposes, clients will need to present the physical voucher.

R LIVING

Get 10% off the full range of Quickstep parquet, vinyl, laminate and decking flooring solutions, when spending €500 or over. Offer includes a free site visit.

ESS

Save up to 30% on switches and sockets, up to 20% on designer lighting and electrical distribution equipment, and up to 35% on other lighting when presenting your discount voucher.

 

  • Discount is not redeemable during sale periods or on special offers.
  • The First Time Buyer Discount Pass can only be redeemed in-store within 12 months of the issue date.

 

B&M

20% extra discounts on Floorings, Bathrooms, Tiles & Fittings

  • 20% extra discount on gres floorings & bathrooms including tiles & fittings
  • Cannot be used in conjunction with any other offer; can only apply to min. of €500 purchases

ATRIUM

25% off Kitchens – 10% off on Furniture & Soft furnishings.

  • We will be offering up to 25% on STOSA kitchens and 10% off furniture & soft furnishings (discount not applicable on items already on offer). We will also make a note that extra discount will be offered on multiple purchases, depending on the value.
  • Discount not applicable on items already on offer, sale or any other promotion.

Distinct Homes

15% discount on wall arts.

  • Benefit from a 15% discount on wall arts with a minimum spent of €300

Fabulous Homes

25% off voucher on furnishings and soft furnishings.

Call Fabulous Homes for further T&C’s.

Want to save up to 15K? Get in touch.

first time buyer
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