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Twilight in Valletta, Malta | Savory & Partners
Crest of Malta

program

Malta Residency by Investment

Program Overview

Minimum Investment

€455,000

Minimum Investment

Real Estate N/A

Time to Residency

3-4 Months

Visa-free Access

26 Countries

Malta Residency by Investment Requirements

The Maltese Residency by Investment program started accepting applicants in 2016.

To be eligible to apply for this program, you must be over 18 years old, in good health and without a criminal record.

Applicants are also required to contribute to the economic development of Malta, own or lease property in the country and invest in government stocks or bonds.

Main Applicant Requirements

  • 18+ years of age
  • Good health
  • No criminal record
  • Successfully pass due diligence checks
  • Confirmed investment sources

Eligible Dependents

  • Spouse of the main applicant
  • Children (biological or adopted) under 29 years
  • Dependant parents of 55 years of age or above

Malta Residency by Investment Benefits

Dual residency

Health & Education

You and your family are entitled to study in schools or universities in Malta. You will also have access to world-class healthcare systems and services.

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Permanent resident status

As a resident of Malta, you will enjoy living in a stable political climate in a highly respected country.

Health & Education

Dual Residency permitted

There is no need to renounce your current citizenship(s), and your home authorities are not notified of your new citizenship.

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Guaranteed by law

The program is based on the law & is guaranteed by the government since 2016.

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Tax relief

Malta has one of the lowest taxation rates in Europe with no foreign income tax, inheritance tax and withholding tax on interest earned.

Legal Basis

MALTA | Residency by Investment

Legal Basis

Citizens of good standing and their families may be granted full Malta Permanent Residency under an amendment passed in November 2013 to the Maltese Citizenship Act, Chapter 188 of the Laws of Malta. Applicants are required to contribute to the economic development of Malta, to provide proof of one-year residence in Malta and proof of title of the residential property in Malta.

Costs of Malta Permanent Residency

The MPRP requires applicants to make a qualified investment, however, the process in Malta is a bit more flexible as it allows applicants to customize their investment portfolio as long as they meet the minimum in each band. Malta requires applicants to invest in a hybrid setup of investments, consisting of a real estate investment and a government contribution. The real estate part of the investment is the most vital, as an applicant's choice here will affect the government contribution amount. Applicants can choose to purchase or rent real estate, and based on that decision, they will also pay a higher or lower government contribution as follows:
Purchase real estate

Minimum Property Investment

EUR 375,000

Property rent per annum

EUR 14,000

Government Contribution

If purchasing a property

EUR 30,000

If leasing a property

EUR 60,000

Administration fees

Main applicant

EUR 50,000

Dependents (per person)

EUR 10,000

Applicants must first meet the financial eligibility criteria, where there are two options for asset requirement:

Option 1: Total assets of at least €500,000, with a minimum of €150,000 in financial assets.

Option 2: Total assets of at least €650,000, with a minimum of €75,000 in financial assets.

Application Process For Malta Permanent Residency

The expected timeframe for the application process is 3-4 months. The first stage of the document collection can differ in length depending on the applicant’s ability to gather the documents. Our team guides this process with samples and best practice advice. The reviewal stage is subject to the respective government schedule and can be impacted by factors which we, as authorised agents have no control over. Savory and Partners collaborates with the government throughout the entire process, and we aim to provide the quickest and smoothest experience for the applicant.

Application Process

3-4 months

*Sample of Residence Visa document
Malta PR ID
  • Step 1
    Savory & Partners will pre-screen your passport copy for Government pre-approval to ensure fast processing. A down payment of the professional fees will be required to open your application. Savory & Partners will help and advise you on collecting the documents required in the checklist and completing the government forms.
  • Step 2
    Savory & Partners will guide you to the Maltese property that fully satisfies your requirements and start preparing the property purchase or rent documentation required to be presented for your Residency application.
  • Step 3
    The application and the supporting documents are submitted and some of them will be subject to due diligence checks. You’re required to pay EUR 5,500 to cover the costs (this amount is included in the one-time administrative fees)
  • Step 4
    The due diligence will be performed by the Maltese government and on completion, a decision will be made to either grant permanent residency, decline or request further documentation from the applicant before deciding.
  • Step 5
    An approval in a principal letter will be issued by the government if successful.
  • Step 6
    You’re required to pay the remaining part of the administrative fee. Additionally, you will need to purchase or rent property in Malta. Savory & Partners will prepare property rent or purchase documents to complete on the purchase.
  • Step 7
    A trip to Malta is required to submit your biometric data. Malta’s permanent residence cards are granted for five years with the possibility of extension.
  • Step 8
    You will no longer be obliged to cover the maintenance costs for your property after five years and if necessary, you will be able to terminate your rental contract or sell your Maltese property.
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PORTUGAL | RESIDENCY BY INVESTMENT

READY TO APPLY?

Visa-free Countries for Malta Residency

When you become a permanent resident of Malta, you get visa-free circulation in the Schengen Area.

Visa-free and visa-on-arrival countries

26 Countries & Territories

Visa-free access (26 countries & territories)

  • Austria
  • Belgium
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland

Client Success Stories

World-Class Healthcare as an EU Citizen

The Challenge

Our client, a Pakistani entrepreneur, had always dreamt of providing his family with a better future, both in terms of opportunities and quality of life. After hearing about Malta's Residency by Investment program, he decided to take action.

In 2022, he successfully secured residency for himself, his wife, and their elderly parents. This allowed them to live in Malta while enjoying the benefits of an EU residency. The program promised eventual citizenship after one year of residency, which was exactly what they hoped for.

However, shortly after they moved to Malta, the client's mother was diagnosed with breast cancer. The news came as a shock, and the gravity of the situation hit hard. His mother, who had always been a source of strength for the family, now faced a life-threatening illness.

With her health at risk, the family’s immediate concern became securing the best possible treatment. This meant having access to world-class medical facilities without delay, as they didn’t have the luxury of time to wait for appointments or referrals.

The client knew that Malta's healthcare system was ranked among the best in Europe, but he wasn’t sure how quickly they could get the care his mother urgently needed. He reached out to us for guidance, hoping we could help expedite her treatment in this crucial time.

Our Solution

We immediately got to work, leveraging our extensive knowledge of Malta’s Residency by Investment program. Thanks to his status as a resident, our client had already been granted access to Malta's renowned healthcare system.

The country ranks 5th globally in healthcare quality according to the World Health Organization. It was a relief to know that his mother would receive top-notch treatment, but now we had to make the process as smooth and quick as possible.

We guided our client through the available healthcare options, helping him navigate the local medical landscape to ensure his mother could get the immediate care she required.

We recommended one of the top breast care clinics in Malta, known for its cutting-edge treatments and specialized care. She was able to get an immediate consultation, and the team quickly devised a treatment plan to address her condition.

During this time, our client’s family was in the process of completing their citizenship application, which they were eligible for after just one year of residency. As soon as they were granted citizenship, our client and his parents could travel across Europe more easily. This proved invaluable when the family made the decision to seek additional treatment in France, one of the leading countries in cancer care.

The Result

With the support of Malta’s exceptional healthcare system, the client’s mother successfully completed her treatment. Now fully recovered, the family has returned to Malta, enjoying the security of citizenship, access to free public healthcare, and the social benefits of living in a safe and vibrant country.

Why Choose Malta Citizenship?

Malta's Citizenship by Investment program offers a multitude of advantages that make it an ideal choice for investors and their families:

  1. Access to Malta’s top-tier healthcare system, ranked among the world’s best
  2. Visa-free travel to over 160 countries, including the USA and Canada
  3. Ability to live, work, and study anywhere within the EU
  4. Long-term security with family inclusion options
  5. Free public healthcare, education, and social services
  6. Stable and growing economy with opportunities to establish a business

Investment Requirements:

  • A contribution of at least €750,000 for a minimum residency period of 12 months and €600,000 for 36 months.
  • Property Investment: Minimum of €700,000 for purchasing a property or €16,000 annual rental agreement.
  • Donation: €10,000 to a charitable cause designated by the government.
  • Residency Requirement: 12 months of residency before applying for citizenship.

Download brochure

Content

  • Malta Country profile
  • Benefits of the program
  • Investment requirements
  • Investment process

Length

4 pages

Language

English & Arabic

size

1 mb

ABOUT MALTA

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CAPITAL

Valletta

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TOTAL AREA

316 km²

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POPULATION

436,947

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LANGUAGE(S)

Maltese, English

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CURRENCY

Euro (EUR)

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EXCHANGE RATE

1 USD = 0.92 EUR

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GDP – PER CAPITA (2022)

USD 34,127

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GDP – TOTAL (2022)

USD 18.13 billion

About Malta

The small historic island of Malta lies in the heart of the Mediterranean. The country has a very rich history with a great number of historic sites related to its succession of leaders including from the Phoenicians, Carthaginians, Romans, Byzantines, Moors, Normans, French and British. After 160 years of British rules, The Country obtained its independence in 1964.

  • The 2 official languages of Malta are English and Maltese.
  • It is a constitutional republic and parliamentary democracy, and the Prime Minister is the head of the government.
  • The country is a member of the major international organisations including the United Nations and the Council of Europe, the International Monetary Fund and is a member of the European Union as well as the Eurozone and the Schengen Area.
  • The currency is the Euro.
  • The island’s international airport is modern and efficient; connecting the island to most European cities via major airlines.
  • The country has a warm Mediterranean climate with hot dry summers, short mild winters and a warm sunny spring, and autumn with adequate rainfall. The temperature is very stable.
  • The capital of Malta is Valletta, which is the smallest national capital in the European Union.

Where is Malta?

Malta is an island in Southern Europe. It is the largest and most populous of the three major islands that constitute the Maltese Archipelago. The island is situated in the Mediterranean Sea, directly south of Italy and north of Libya.

MALTA | Residency by Investment

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