First Time Buyer Scheme’s Voucher Terms & Conditions

first time buyer voucher

OUR FIRST-TIME BUYER PARTNERS

GASANMAMO INSURANCE

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.

BT COMMERCIAL

10% discount on Solar (PV) Panels, Air Conditioners and Heat Pumps

  • Discounts are applicable on presentation of the voucher provided by Frank Salt Real Estate.
  • The voucher is valid for 24 months and is not transferable or redeemable for cash.
  • The voucher cannot be combined with any other coupons or any other offer or discounts or promotions.
  • A maximum of one of each of the vouchers is redeemable per product range and only one voucher can present at any one time.

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.

VELLA FALZON

€1,000 discount on a minimum purchase of €5,000, €2,000 discount on a minimum purchase of €10,000, and €5,000 discount on a minimum purchase of €20,000

  • Benefit from a €1,000 gift voucher on a minimum purchase of €5,000 OR a €2,000 gift voucher on a minimum purchase of €10,000 OR a €5,000 gift voucher on a minimum purchase of €20,000.
  • The vouchers can be used on tiles, bathrooms, furniture and hardware from Vella Falzon Home.
  • The vouchers must be presented before any issue of the quotation.
  • Vouchers on Hardware can be redeemed from Vella Falzon Home warehouse at Triq il-Bankiera, Qormi, whilst voucher on tiles, bathrooms and furniture can be redeemed from Vella Falzon Home at Valley Road, Msida.
  • The vouchers are not valid with any other promotion, and cannot be used during sale periods.
  • The vouchers are valid for 24 months from date of issue and are not transferable.

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

Waiver of all fees and up to €250 towards notary fees

  • Benefit from a contribution towards your notary fees from APS Bank when purchasing your first home through Frank Salt Real Estate.
  • APS Bank plc will waive commitment fees, as well as make a contribution of €150 towards notarial fees for secured home loans of up to €300,000 and a contribution of €250 towards notarial fees for secured home loans of over €300,000, where the said secured home loans are taken out with APS Bank plc and the property is purchased through Frank Salt Real Estate.
  • For a Frank Salt Real Estate client to be able to avail himself/herself of this offer by APS Bank plc, he/she needs to present the relevant voucher to APS Bank that will be delivered to client at signing of the promise of sale. 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.
  • Clients participating in the First Time Buyers Package scheme agree to indemnify and hold harmless FSRE from any injury, damage, loss, delay, cost, expenses or inconvenience which may result should APS Bank Limited not accept the client/s as a home loan candidate.
  • Voucher is not transferable and should be redeemed within 3 months of the time of signing the contract. APS Bank plc is licensed by the Malta Financial Services Authority as a credit institution. Applications are subject to the Bank’s lending criteria.

DINO FINO HOME

35% reduction on all kitchens, furniture and home accessories

  • Discounts are applicable on presentation of the voucher provided by Frank Salt Real Estate.
  • The voucher is valid for 24 months from the date of issue and is not transferable.
  • The voucher cannot be redeemed in conjunction with any other promotions

ONE TWO ONE INTERIORS

15% discount on all fabrics, curtains, blinds and home decor.

  • Discounts are applicable on presentation of the voucher provided by Frank Salt Real Estate.
  • The voucher is valid for 24 months from the date of issue and is not transferable.
  • The voucher cannot be redeemed in conjunction with any other promotions

BARTOLINE PAINTS

20% off on all Bartoline paints

  • 20% discount applies on all types of interior and exterior paints which can be ordered in the colour of your choice – eg, water paint, acrylic emulsion, anti mould paint, textured and smooth exterior paint as well as roof compound and liquid membrane.
  • Paint is to be ordered and collected from:
    Conquest Ltd. A13A Industrial Estate Marsa (behind Bortex Factory) between 7.30am and 2.30pm from Monday to Friday.

BIG MAT

10% off on selected items from BigMat

  • Discount available for a period of one year with unlimited purchases.
  • The 10% discount offer excludes ‘non discountable items’.
  • Offer also excludes already discounted items such as sale and promotional items.
  • Clients must present a valid Frank Salt letter to Big Mat cashiers in order to redeem the discount.
  • Cashiers may also ask for an official identification document such as an ID card.

CYNERGI

1 full access Day Pass to Cynergi Health and Fitness Club, including to the clubs’ pool and spa facilities.

  • Valid until the date stipulated on the voucher

EUROSPORT

€20 off with a minimum spend of €50

  • Valid only from all EUROSPORT, ADIDAS, SKECHERS & DISRUPT stores
  • Valid up till June 2022
  • Discount applicable across all brands.
  • Discount applicable on original prices only.
  • Discount not applicable in conjunction with any other offer.
  • One voucher can be used per purchase.
  • Voucher not applicable on Garmin watches, nutrition supplements, exclusive sneakers and third-party products.
  • Eurosport reserves the right to stop the offer at any time.

HOME TRENDS

One time voucher of €100 when spending €500 or more

  • Purchase must be of €500 or more for €100 to be deducted from final bill.
  • Voucher will be valid for 1 year.
  • This voucher cannot be used in conjunction with any other voucher (one voucher per person/couple, i.e. one voucher per purchase).
  • This voucher cannot be used in conjunction with any other offer or during a sale period and cannot be exchanged for cash.
  • This voucher can be used at Our Home Trends – Home & Garden department in San Gwann.

LIVING WELL

20% off on a 6 or 12 month Living Well membership and 6 complimentary guest passes when a membership is purchased

  • Discount is only applicable on 3 or 6 month memberships.
  • Memberships are non-transferable.
  • LivingWell membership terms and conditions apply.

MYOKA

20% off on treatments over €200

  • The discount cannot be utilized in conjunction with any other offer or promotion.
  • This discount is not valid for retail sales, gift vouchers and packages.
  • The voucher must be shown at the time of appointment.
  • This voucher is valid for a period of one year, beginning date specified on the voucher letter.

OK HOME

20% off on selected lights, indoor and outdoor furniture

  • Items to be in stock.
  • Discount not valid during sale periods.
  • Discount not valid on any items which are already discounted.
  • Total amount spent needs to be over €1,000 for 20% discount to apply.
  • If less than €1,000 is spent, then 10% discount will apply.

PHOTO CIANCIO

20% off on all Wall ART

  • Offer redeemable for online purchases only from https://photociancio.com/product-category/wall-art/
  • Offer redeemable online via coupon code: FS20
  • Offer Valid until January 2023

PISCOPO GARDENS

€5 voucher with every purchase of €50

  • These will be honoured on all purchases of €50.00 each. i.e. €5 will be deducted on every bill over €50.00
  • These vouchers are not valid with any other ongoing offers, as no loyalty points will be given on this specific purchase.
  • Vouchers cannot be redeemed on livestock.
  • Vouchers are valid for a period of 1 year and dates are specified at the back of the vouchers.

SKY BEACH INTERCONTINENTAL

A bottle of prosecco at dinner in SKYBEACH or WATERBISCUIT

  • Dinner at SKYBEACH is available from 14 June till end of summer season.
  • Dinner at WATERBISCUIT is available for the winter season.
  • Bookings in advance are essential.
  • Not combinable with any other offers or promotions.
  • In order to claim the offer, voucher must be handed over to the outlet.
  • Voucher is valid till 31st December 2022.

THE HOUSE SHOP

10% off on furniture

  • This offer is valid for 12 months.
  • Discount cannot be redeemed during sales or in connection with any other promotional offer.

GWARNIC

15% discount on wall arts

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

CASAFINI

25% discount on tiles, bathrooms, & sanitary ware and 30% discount on furniture

  • Vouchers are not valid in conjunction with any other promotion Casafini may run from time to time
  • Vouchers are valid for 24 months from the date of issue and are not transferable
  • Vouchers must be presented to Casafini Sales staff before quotation is issued