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First-Time Buyer Scheme’s Voucher Terms & Conditions

first time buyers
Discover our First-Time Buyer Value Pack

OUR FIRST-TIME BUYER PARTNERS

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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.
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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.
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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

 

 

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WaterART

Spend € 15,000 (before discount) on your kitchen &/or bathrooms and sanitary ware 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
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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.
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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.
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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.
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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.
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C. FINO & SONS - Chateaux 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.

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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.
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BAJADA NEW ENERGY

Offers on Reverse Osmosis, Water Heater , PV Panels & AC’s

  • Offer1: Reverse osmosis  €50 off  + free filter.
  • Offer2: Solar water heater €150 off + free pre-filter.
  • Offer3: PV – 5% off + free service.
  • Offer4: AC – 5% off.
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DIMECH

Offers on Doors, Outdoor furniture, railings and more …

  • Get 6% off the full range of internal doors from Dimech Enterprises Ltd.
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PHOTO CIANCIO

20% off on all Wall ART.

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BT Commercials

10% discount on solar (PV) panels, air conditioners, heat pumps and appliances

  • This voucher is valid for First Time Buyers who purchase through Frank Salt Real Estate only.
  • This voucher is valid for 24 months from the voucher date of issue.
  • Installation of goods must be on the same newly purchased property.
  • Please present a printed copy of the discount voucher to our staff on arrival at BT Commercial premises in Mriehel
  • BT Commercial LTD offers 10% discount on following product ranges which is currently being sold at BT Commercial premises in Mriehel: Solar (PV) Panels , Air Conditioners, Heat Pumps, Appliances.
  • The voucher is not transferable and is not redeemable for cash and cannot be combined with any other coupons or any other offer or discount or promotion offered by BT Commercial.
  • A maximum of one of each of the vouchers is redeemable per product range and only one voucher can present at any one time.
  • The voucher has no monetary value.
  • A voucher is redeemable in its entirety only and may not be redeemed incrementally.
  • A voucher does not cover additional tax, service charge or gratuity.
  • All offers are subject to availability.
  • The voucher is not valid for commercial use.
  • BT Commercial reserves the right to withdraw or cancel the voucher for any reason at any time
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ONE PERCENT

25% on all of the following brands:

  • Calligaris
  • Pianca
  • Mobilstella
  • Record / The Cut
  • Crosswater
  • Scavolini
T&C’s
  • Validity of offer – 1 year from voucher date
  • Not to be used in conjunction with any other offer or promotion
  • Other terms and conditions may apply
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SCAVOLINI

25% on all of the following brands:

  • Kitchens,
  • Bathrooms,
  • Living room furniture
  • Closets

T&C’s

  • Validity of offer – 1 year from voucher date
  • Not to be used in conjunction with any other offer or promotion
  • Other terms and conditions may apply
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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
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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.
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GWARNIC

15% discount on wall arts.

  • Benefit from a 15% discount on wall arts with a minimum spent of €300
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Want to save up to 15K? Get in touch.

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