Best Residency by Investment Programs in 2025

Residency by investment in 2025 is a way to secure stability, protect wealth, and open access to new opportunities worldwide.

From Europe to the Middle East, governments continue to refine their programs, offering investors and families different paths to long-term residence and, in some cases, citizenship.

The challenge is knowing which program truly fits your goals. Investment thresholds, timelines, tax regimes, and family rights differ widely between countries. That’s where Savory & Partners brings clarity.

With over 90 years of combined expertise, government authorisation in 21 jurisdictions, and 11,000+ approved applications, our insights reflect what actually works in practice, not theory.

Here, we present the 12 strongest residency options for 2025, measured against clear criteria: cost, speed, lifestyle quality, tax advantages, and long-term value.

Our Residency Program Evaluation Framework

Selecting a residency program is not about chasing the lowest cost or fastest approval. Each option comes with different legal, financial, and lifestyle implications.

That’s why our rankings are built on a framework shaped by direct government authorization and thousands of successful applications.

Our Credentials

• A British family firm with over 200 years of heritage in professional services
• More than 15 years focused solely on residency and citizenship planning
• 11,000+ approved applications for global investors and families
• Government-authorized in 21 jurisdictions
• Among the earliest firms recognised for both EU and Middle Eastern residency programs
• Consistently rated 4.9/5 by verified clients

Our 7 Evaluation Factors

We apply a structured review system to ensure every residency program is judged fairly and consistently:

• Investment threshold – the actual minimum capital required
• Processing time – how quickly residency status is granted
• Path to citizenship – eligibility and timeline for naturalization
• Tax advantages – residency-based tax-planning opportunities
• Lifestyle quality – healthcare, education, stability, and culture
• Family inclusion – dependent eligibility for spouses, children, and parents
• Renewal requirements – ongoing obligations such as physical presence or renewals

This framework allows investors to compare programs side by side and select the option that matches their financial structure, lifestyle plans, and long-term goals.

Top 12 Best Residency Programs in 2025

Residency-by-investment programs vary widely, from affordable entry routes in Europe to long-term stability options in the Middle East.

To make sense of the differences, we have compiled a complete comparison of the 12 strongest programs in 2025, measured across our seven evaluation factors.

What This Comparison Covers

• Investment ranges: from €50,000 to €500,000+
• Processing times: typically between 1 and 8 months
• Pathways to citizenship: some programs offer naturalization in as little as 5 years
• Tax considerations: from zero-income tax jurisdictions to EU treaty benefits
• Best-fit profiles: retirees, entrepreneurs, digital nomads, families, and investors seeking tax optimization

How to Use This Table

The table highlights not only the raw numbers but also our “Best For” category, whether a program is best suited to business expansion, family relocation, lifestyle improvement, or long-term wealth planning.

Regional Comparison: Europe vs Middle East

Residency-by-investment programs differ not only by country but also by region. Each region reflects its own approach to taxation, citizenship pathways, and lifestyle

Below is a structured overview to help compare the fundamentals.

Key Takeaways:

• Europe offers long-term integration and citizenship, but with higher entry costs.
• Middle East provides stability, tax efficiency, and global business reach, though without a citizenship option.
• Americas (for residency) remain less structured, with citizenship by investment dominating over residency models.

This comparison highlights why many investors build a dual strategy: EU residency for mobility and family benefits, combined with Middle Eastern residency for tax and business positioning.

Portugal Golden Visa: Best Overall EU Residency Value

Portugal remains one of the most sought-after residency-by-investment programs in Europe.

Despite regulatory changes in recent years, the Golden Visa continues to offer a balanced pathway of investment security, mobility, and eventual citizenship.

Key Features:

• Minimum investment: €500,000 (fund option)
• Path to citizenship: Eligible after 5 years of legal residency
• Residency rights: Full EU mobility within the Schengen Zone
• Processing time: 24+ months
• Family inclusion: Spouse, dependent children, and in some cases parents
• Tax benefits: Non-residents may avoid global taxation; Portugal also offers the NHR 2.0 regime for qualifying professionals

Best For:

• Investors seeking long-term EU citizenship
• Families wanting access to EU education and healthcare
• Entrepreneurs and professionals planning to expand in the European market

Practical Insight:

Unlike many EU programs, Portugal’s Golden Visa does not require continuous residence. A minimum stay of just 7 days per year is sufficient to maintain status, making it one of the most flexible programs for globally mobile investors.

Savory & Partners Experience:

With a Lisbon office and a history of successful Golden Visa cases, we have assisted hundreds of families in navigating the latest requirements, from fund investments to documentation and compliance with residency rules.

Explore Portugal Residency Program.

UAE Golden Visa: Best for Business and Tax Benefits

The UAE offers a long-term residency route with flexible categories for investors, entrepreneurs, and skilled professionals, plus a 0% personal income tax environment and world-class business infrastructure.

Key Features:

• Investment routes:
  • Real estate investor: property(ies) totaling AED 2,000,000 in value; mortgages permitted with NOC.
  • Public investments/funds: eligibility where AED 2,000,000 is deposited or invested through approved vehicles.

• Skilled professionals: generally eligible with a minimum monthly salary of AED 30,000 (sector-specific licensing may apply).

• Entrepreneurs: options include government-/incubator-endorsed projects; guidance from UAE authorities references revenue or valuation thresholds for “pioneering projects.”

• Validity: 10-year residency, renewable, with family sponsorship. Official categories and rules are consolidated on the UAE government portal.

Best For:

• Founders and executives seeking regional HQ status and easy banking/company setup
• High-earning professionals relocating to a tax-efficient jurisdiction
• Families prioritising education, safety, and global air connectivity

Practical Insight:

Unlike many RBI schemes, the UAE category set is broad, if you don’t fit the property route, the skilled professional or entrepreneur tracks may still qualify you.

Corporate tax (9-15%) applies at the entity level, but there is no personal income tax, which is why the UAE remains a favourite base for globally mobile earners.

Explore UAE Residency Program.

Greece Golden Visa: Best Budget EU Entry Point

Greece offers one of the most cost-effective entry routes into the European Union.

Its Golden Visa has long been favoured by investors seeking lifestyle benefits and secure EU access without the higher thresholds seen in other countries.

Key Features:

• Minimum investment: €250,000 in real estate (still the lowest EU threshold, though some regions may soon see higher requirements)
• Residency rights: Permanent residence for the investor and qualifying family
• Processing time: Approximately 3–6 months
• Path to citizenship: Eligibility after 7 years of residence, subject to integration requirements
• Family inclusion: Spouse, children under 21, and in some cases parents
• Lifestyle benefits: Access to Greece’s healthcare and education systems, plus EU Schengen mobility

Best For:

• Lifestyle-driven investors looking for a home in the Mediterranean
• Retirees wanting permanent residency without heavy physical presence rules
• Families seeking EU access at the lowest investment threshold

Practical Insight:

The Greek program is straightforward: property ownership is the qualifying investment, with no ongoing stay requirements.

Many investors use it as a “Plan B” EU residence, keeping the property for long-term value while enjoying secure residency status.

Explore Greece Residency Program.

Malta Permanent Residency Program: Best for Stability and EU Access

Malta’s residency program is one of the most structured and government-regulated in Europe.

It provides permanent residency from the start, with strong legal protections and access to the EU.

Read how relocating works in detail in our blog: Moving to Malta Guide.

Key Features:

• Minimum investment: Around €150,000 (government contribution + fees + property lease/purchase)
• Residency type: Immediate permanent residency (PR)
• Processing time: 4–6 months
• Path to citizenship: Separate process, spending a minimum 5 out of 7 years full-time in Malta
• Family inclusion: Spouse, dependent children, and parents/grandparents under certain conditions

Best For: Families seeking permanent EU residence with strong legal security and minimal renewal hassle.

Explore Malta Residency Program.

Cyprus Residency by Investment

Cyprus offers one of the most direct real estate-based residency programs in the EU, attractive for investors interested in property ownership with long-term growth potential.

Key Features:

• Minimum investment: €300,000 in new real estate
• Residency type: Permanent residency
• Processing time: 2–4 months (one of the fastest in Europe)
• Path to citizenship: Long-term residence (7+ years); not linked directly to this program
• Family inclusion: Spouse, dependent children, parents

Best For: Property investors who want a fast-track EU permanent residence through real estate.

Explore Cyprus Residency Program.

Hungary Residency by Investment: Best for Fast EU Entry

Hungary relaunched its residency program in 2024, creating one of the quickest and most accessible EU entry points for investors.

Key Features:

• Minimum investment: €250,000 (government bond option) or €500,000 (real estate option)
• Residency type: Renewable temporary residency leading to PR
• Processing time: 2–3 months
• Path to citizenship: Following 8 years of residency
• Family inclusion: Spouse and dependent children

Best For: Investors seeking a fast, low-bureaucracy entry into the EU with affordable thresholds.

Explore Hungary Residency Program.

Latvia Residency by Investment: Best for Cost-Effective EU Residence

Latvia provides one of the lowest-cost entry routes into the EU, though with more limited long-term pathways compared to Portugal or Malta.

Key Features:

• Minimum investment: €60,000–€250,000 (depending on option: real estate, business, or bonds)
• Residency type: Renewable temporary residency
• Processing time: 3–4 months
• Path to citizenship: 10 years, with stricter language/integration requirements
• Family inclusion: Spouse and children under 18

Best For: Investors seeking affordable access to Schengen mobility without high capital commitments.

Explore Latvia Residency Program.

Which Residency Program Matches Your Wealth Goals?

Every investor approaches residency with different priorities. The questions below can help narrow down the program that best aligns with your wealth structure and lifestyle objectives.

1. What’s your investment budget and liquidity preference?

• If you prefer lower capital commitment with property ownership, Greece (€250K) or Latvia (€60K–€250K) may be suitable.
• If you want long-term EU citizenship and don’t mind higher thresholds, Portugal (€500K) or Malta (€150K+) stand out.
• For non-EU residency, the UAE (AED 2M ($550K)) balances tax efficiency with global mobility.

2. Do you prioritize immediate travel freedom or long-term citizenship?

• Portugal offers citizenship after 5 years with minimal stay.
• Cyprus and Malta provide permanent residency from the start, but naturalization requires longer residence.
• The UAE has no citizenship track but offers immediate lifestyle and tax benefits.

3. Is tax optimisation a core part of your wealth planning?

• The UAE is the most attractive for entrepreneurs and professionals due to the 0% personal income tax.
• Portugal can be advantageous through NHR 2.0 for specific skilled professionals.
• EU programs like in Greece, Malta, Hungary, and Latvia follow standard EU taxation frameworks.

4. Will you relocate or maintain remote status?

• If relocation is planned, Portugal and Malta offer a strong quality of life and services.
• For a remote “backup residency,” Greece and Cyprus allow holding status without strict stay requirements.
• The UAE is ideal for business relocation or tax residency without the need for citizenship.

5. What about your family’s education and healthcare needs?

• Portugal, Malta, and Greece provide EU healthcare and education systems that are attractive for families.
• The UAE offers access to international schools and private healthcare, often rated among the best globally.
• Latvia and Hungary provide affordable EU access but with fewer premium options compared to Portugal or Malta.

The Savory and Partners Global Wealth Mobility Process

Securing the right residency program is more than a transaction. It’s about aligning investments, tax structures, and family priorities with long-term goals.

Our process is designed to remove uncertainty and deliver results with precision.

1. Comprehensive Consultation

We start by understanding your financial profile, lifestyle objectives, and long-term plans for mobility, investment, and family.

2. Program Optimization

Based on your goals, we evaluate multiple jurisdictions and select the residency programs that provide the best fit for cost, benefits, and citizenship potential.

3. Investment Structuring and Tax Coordination

Our team coordinates with trusted partners to ensure that your investment and residency plan integrates seamlessly with your broader wealth strategy.

4. Due Diligence and Documentation

We prepare and review all application materials to meet government requirements, minimising risk of delay or rejection.

5. Government Submission and Approval

Applications are submitted through official government channels. Approval timelines typically range from 2 to 8 months, depending on jurisdiction.

6. Post-Approval Support

Once residency is granted, we guide you through relocation (if applicable), registration, and practical setup such as healthcare, education, or banking.

7. Ongoing Relationship Management

Residency is not a one-time event. We provide renewal assistance, updates on regulatory changes, and pathways to citizenship where available.

Avoiding Costly Residency Program Mistakes

Even the strongest residency programs can become ineffective if chosen or managed incorrectly. Below are the most common pitfalls we see, and how to avoid them.

1. Ignoring tax obligations

Many investors focus on the residency permit itself and overlook tax residency rules. Moving your legal residence does not always remove global taxation unless the new jurisdiction explicitly offers that advantage.

2. Overlooking citizenship timelines

Not all programs lead directly to citizenship. Some are permanent residency only (e.g., Malta PR, Cyprus PR), while others, like Portugal, can provide a passport in 5 years. Choosing without considering your long-term goals can limit your options later.

3. Underestimating investment liquidity

Real estate or bond commitments may lock up capital longer than expected. If liquidity is important, programs with clear exit strategies should take priority.

4. Misjudging physical presence requirements

Some programs (Portugal, for example) require minimal stay, while others demand stronger integration. Overlooking this may result in losing residency rights.

5. Failing to plan for family changes

Residency decisions should anticipate future needs, such as children reaching adulthood or elderly parents requiring inclusion. Not checking dependent eligibility in advance can create gaps in coverage.

Secure the Right Residency in 2025 with Expert Guidance

Residency by investment is a decision that affects your wealth, mobility, and family for years to come.

With programs evolving and requirements changing, working with a government-authorized advisor ensures clarity and protection at every step.

Savory & Partners has helped more than 11,000 clients worldwide obtain residency and citizenship, with offices across Europe, the Middle East, and Africa.

Our role is to simplify the process, align your residency choice with your financial goals, and manage every detail until approval, and beyond.

Contact us today to discuss which residency program best suits your objectives in 2025.

FAQs on Residency by Investment in 2025

1. What are the minimum investment amounts in 2025?

Entry points differ by country. Greece (€250,000) and Latvia (€60,000–€250,000) are the most affordable in Europe, while Portugal (€500,000) and Malta (€150,000+) require higher outlays. In the Middle East, the UAE Golden Visa starts at around AED 2 million ($550,000).

2. How long does the application process usually take?

Most programs are processed within 2–8 months. Cyprus and Hungary are among the fastest, while Portugal and Malta can take longer due to demand and documentation requirements.

3. Do all residency programs provide a path to citizenship?

No. Portugal (5 years), Greece (7 years), and Hungary (8 years) offer a citizenship track. Malta PR and Cyprus PR provide permanent residency only. The UAE Golden Visa offers long-term residency but no citizenship option.

4. Can family members be included in one application?

Yes. Most programs allow you to add your spouse and dependent children. Some, like Portugal, Greece, and Malta, extend eligibility to your parents or grandparents.

5. What tax advantages do residency programs offer?

The UAE is tax-free on personal income, making it a strong choice for entrepreneurs. Portugal offers selective benefits under NHR 2.0 for skilled professionals. Other EU countries apply standard EU tax rules but provide treaty protection and access to EU markets.

References

Federal Authority for Identity, Citizenship, Customs & Port Security. (n.d.). Golden Visa Services. Retrieved from https://icp.gov.ae/en/services/golden-residency/Portuguese

Ministry of Foreign Affairs. (n.d.). Residency Permit for Investors (ARI). Retrieved from https://vistos.mne.gov.pt/en/ari-residency-permit-for-investors

UAE Government Portal. (n.d.). Golden Visa (Residency Visas). Retrieved from https://u.ae/en/information-and-services/visa-and-emirates-id/residence-visas/golden-visa

Federal Authority for Identity, Citizenship, Customs & Port Security. (n.d.). Golden Visa FAQ. Retrieved from https://icp.gov.ae/en/faq/