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

29 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

NGO Donation
Make a donation of €2,000 to a local philanthropic, cultural, scientific, artistic, sport or animal welfare NGO registered with the commissioner of voluntary organisations.

Donation amount

EUR 2,000

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 Residency Permit | Savory & Partners
  • 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

29 Countries & Territories

Visa-free access (29 countries & territories)

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

Client Success Stories

A Safe and Bright Future

The Challenge

Our Indian client was a successful business owner and single parent who found himself at a crossroads. He had built a thriving business in India, but as a single father, his top priority was ensuring a secure and promising future for his daughter. He dreamed of providing her with access to world-class education and a safe environment to grow up in, but relocating would disrupt his business. On top of that, the complexities of obtaining the necessary documents for his daughter after a recent divorce made the process even more challenging.

Our Solution

Understanding the weight of his situation, we set out to find a solution that would offer both personal and professional stability.

Portugal: The Ideal Destination

We recommended the Portugal Golden Visa program, a tailored residency-by-investment route that allowed him to maintain his business in India while fulfilling Portugal’s flexible residency requirements (just seven days per year). This program also ensured his daughter could relocate immediately, gaining access to world-class schools and a safe environment.

To meet the program’s criteria, our client chose the EUR 500,000 investment fund option, channeling his resources into a venture capital fund committed to boosting businesses in Portugal. This fund, designed with a minimum five-year maturity and a portfolio with at least 60% of investments in Portuguese companies, aligned perfectly with his vision of contributing to a growing economy.

The process required meticulous planning. Together, we navigated the legal documentation, secured a taxpayer number, and opened a local bank account. After finalizing the investment and submitting the necessary documents, his application was successfully processed by the government.

Business Growth Across Europe

To ensure his application’s long-term viability and foster local economic growth, our client created five permanent jobs within the Portuguese business landscape. This not only fulfilled a critical requirement for the program but also underscored his dedication to making a meaningful impact in his new home.

Supporting the Journey

From the start, our team at Savory & Partners took a hands-on approach to ensure everything was in place. We helped gather all the necessary documents for both him and his daughter, ensuring a smooth process from start to finish. Our experts made sure every requirement was met for a successful residency application, including due diligence and timely submission.

The Result

Today, our client and his daughter are enjoying their lives in Portugal. He has not only secured a brighter future for her, with access to top-tier education and a safe, stable environment, but he’s also expanding his business across Europe.

Why Choose Portugal Golden Visa?

Portugal’s Golden Visa program is designed to provide individuals and families with a pathway to residency while offering numerous lifestyle and business opportunities. Here’s why it’s the right choice:

  • Flexible investment options that allow you to secure residency by investing €500,000 in an eligible investment fund or venture capital fund.
  • EU citizenship after five years with minimal residency requirements (seven days per year).
  • World-class education, healthcare, and safety.
  • Strategic location and business-friendly environment to grow your ventures across Europe.
  • Ability to relocate with your family and ensure access to top-tier education and a secure environment for your loved ones.

For those considering the Golden Visa, here’s a closer look at the available investment pathways and the application process:

Investment Options

  • €500,000: Invest in private equity or venture capital funds
  • €250,000: Support arts or cultural heritage.

Application Process

Apply remotely or in person by selecting an investment, opening a bank account, and submitting documents. After a biometric visit, you’ll receive a two-year renewable residence permit. Citizenship or permanent residency can follow after five years.

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

315 km²

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POPULATION

569,900

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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 (2025)

USD 45,730

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GDP – TOTAL (2025)

USD 25.75 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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