Applying for Maltese residency is a major step, one that opens doors to residing in a European country and provides a secure base for international living, business, and family planning. But the application process is complex, and mistakes can be costly. At ACC Immigration, we’ve seen how seemingly small errors can derail an application or lead to long delays. Since a rejection under the Malta Permanent Residence Programme cannot be appealed it is crucial to submit a complete application with all the required documentation and explanations.
In this article we explore the most common pitfalls and how our legal team helps you avoid them with confidence.
Choosing the Right Advisor
Selecting a trusted advisor is the most important step. Many fall into the trap of using unlicensed agents or marketing-driven consultants without legal authority or deep knowledge of Maltese immigration law.
At ACC Immigration, our team consists solely of licensed Maltese lawyers authorized to represent clients directly before the Residency Malta Agency. We lead every case from start to finish, ensuring legal accuracy, risk management, and full compliance.
Residency and citizenship in Malta is a core focus — not a sideline.
Importance of a Tailored Legal Strategy
There is no one-size-fits-all strategy when it comes to Maltese immigration. Each applicant has a unique background, nationality, family setup, source of wealth, and risk profile. Standardised approaches often lead to unnecessary queries, delayed processing, or even rejections.
We begin each engagement with a personalised eligibility assessment, allowing us to anticipate issues and tailor the strategy around your specific circumstances. Our legal insight ensures your application meets not only the letter of the law — but the practical expectations of the agency and assessors overseeing the application file.
Documentation Standards and Legal Formalities
One of the most common and avoidable mistakes is submitting incomplete or improperly prepared documentation. Missing legalisations, incorrect translations, outdated forms, or inconsistencies in your documents can lead to serious delays.
Our legal team applies meticulous attention to detail by reviewing, preparing, and verifying every document to ensure it aligns with current agency standards. Where standard documentation such as birth certificates or police records are unavailable, we advise on suitable alternatives that are still compliant.
We don’t just file paperwork — we provide legal oversight at every step to ensure that nothing is left to chance.
Value Local Presence
Many international service providers work through intermediaries in Malta, often with limited local knowledge or presence. This can slow things down and increase the risk of miscommunication with the agency.
At ACC Immigration, we are a Malta-based firm with a core team of Maltese-born lawyers who live and work here. We engage directly with the relevant authorities and resolve matters in real time. Our deep familiarity with local systems and strong relationships with key stakeholders allow us to act swiftly, navigate cultural nuances, and avoid common bureaucratic pitfalls.
In addition, our team includes professionals who speak a range of languages, enabling us to support clients from diverse backgrounds while maintaining the benefit of strong local grounding.
Protect Confidentiality
Immigration applications require sensitive disclosures about personal, financial, and family matters. Working with licensed lawyers means you benefit from strict lawyer-client privilege under Maltese law.
This confidentiality covers all correspondence, calls, and documents, ensuring your information remains secure and private throughout the process.
Attention to Tax and Financial Planning
Maltese residency and citizenship are not just legal statuses — they have far-reaching implications for tax, succession, and international reporting.
We adopt a holistic approach that integrates immigration, tax structuring, and private client planning. Our legal team works closely with in-house tax advisors and wealth planners to ensure your move is not only legally secure, but also financially strategic and compliant with global requirements.
Why Choose ACC Immigration?
At ACC Immigration, we combine legal expertise with deep local insight to provide an end-to-end, fully compliant service with discretion, professionalism, and results at its core.
We are proud to be:
- Local & Licensed: Based in Malta, authorised to act directly before Komunita Malta and Residency Malta Agency (Licence AKM-ACCA).
- Recognised Experts: Our lawyers are ranked in Legal 500, Chambers & Partners, and Who’s Who Legal for private client, immigration, and citizenship law.
- Multilingual & International: We speak your language. Our team includes native speakers of English, French, Italian, Arabic, Chinese, Ukrainian, and more.
Ready to Apply for Permanent Residency in Malta?
Whether exploring options or preparing to apply, our Malta-based team is ready to guide you with clarity and confidence.
Contact ACC Immigration today to schedule a confidential consultation and take your first step toward Maltese residency.
In a world where mobility, security, and lifestyle are paramount, Malta stands out as a premier destination for High-Net-Worth Individuals seeking a stable, comfortable and strategically located second home, rich in history and culture. Here’s why:
Safety and Stability
Malta consistently ranks as one of the safest countries in Europe. With very low violent crime rates, a strong rule of law, and reliable and efficient emergency services and health care system, residents enjoy peace of mind whether strolling through historic Valletta or relaxing in coastal towns.
Family-Oriented and Family-Friendly
Malta is a haven for families. From top-tier international schools and English-speaking education to family-friendly neighbourhoods like Mellieħa and Sliema, the island offers a nurturing environment for children and a vibrant lifestyle for all ages.
High Standard of Living
Malta offers a Mediterranean lifestyle with modern comforts. The cost of living is very competitive when comparing to the U.S. and other EU countries – while still providing access to excellent healthcare, quality housing, and a thriving expat community.
English as an Official Language
English is one of Malta’s two official languages, used in government, education, and business. This makes integration seamless for international residents and simplifies everything from legal processes to daily life.
Vibrant Property Market
Malta boasts a dynamic and resilient real estate sector, making it an attractive destination for property investment. Over the past decade, property prices have shown consistent growth, driven by strong demand, limited land availability, and a steady influx of foreign investors and residents. Prime areas like Sliema, St. Julian’s, and Valletta offer high-end apartments and luxury villas, while quieter towns and villages provide charming alternatives with strong value appreciation.
Under all residency routes, applicants have the option to either rent or purchase a qualifying property. This flexibility allows individuals to tailor their investment based on personal preferences, lifestyle needs, and long-term plans. Whether choosing to rent a stylish apartment in Valletta or invest in a modern villa in Mellieha, Malta offers a wide range of properties to suit every taste.
Whether purchasing or leasing, investors benefit from a stable market with long-term potential and strong rental yields.
Inclusive and LGBTQI+ Friendly Society
Malta has earned global praise for its commitment to LGBTQI+ equality and inclusion. Ranked first in Europe for LGBTQI+ rights by ILGA-Europe since 2015, the country offers one of the most comprehensive legal frameworks protecting sexual orientation, gender identity, and expression. Same-sex marriage has been legal since 2017, and discrimination protections have been in place for over a decade.
Beyond legislation, Malta fosters a welcoming and respectful environment for LGBTQI+ individuals and families. Pride events are celebrated with strong public and governmental support, and the community is visible and embraced across Maltese society. For High-Net-Worth Individuals seeking a destination that values diversity and human dignity, Malta offers not just tolerance—but genuine acceptance
What Residency Options are available?
Malta offers a suite of residency programs tailored to different profiles:
- Malta Permanent Residence Programme (MPRP): A residency-by-investment route for non-EU nationals, offering permanent residency and visa-free Schengen travel.
- Global Residence Programme (GRP): Designed for non-EU nationals seeking tax-efficient residency with a flat 15% tax on foreign income remitted to Malta.
- Nomad Residence Permit: Ideal for digital entrepreneurs and remote workers, allowing them to live in Malta while working for overseas clients.
- Highly Qualified Persons Rules (HQP): Offers a 15% tax rate for professionals in finance, aviation, and gaming sectors.
- The Residence Programme (TRP): For EU/EEA/Swiss nationals, offering favorable tax treatment with a flat 15% tax on foreign income remitted to Malta and the right to reside in Malta.
- Malta EU Residence Permit (Right of Freedom of Movement): Designed for EU/EEA/Swiss nationals who wish to establish themselves in Malta and enjoy favourable tax rates.
Competitive Edge in the EU
Compared to other EU countries, Malta offers a cost-effective unique blend of tax efficiency, lifestyle, and accessibility. Its residency programs are streamlined, transparent, and supported by a robust legal framework—making it a standout choice for discerning investors.
Malta offers a unique blend of accessibility, lifestyle, and legal certainty that sets it apart from other EU residency destinations. One of the standout features of the Malta Permanent Residence Programme (MPRP) is that permanent residency status is truly permanent—it is not revoked after a set number of years, provided the applicant continues to meet the program’s requirements. Importantly, children included in the application retain their residency status even after they marry or commence their employment, offering families long-term peace of mind and continuity across generations. This level of security is rare among EU residency programs and showcases Malta’s commitment to family unity.
Another key advantage is the flexibility to either rent or purchase a qualifying property. Applicants are not obligated to buy real estate, which lowers the entry threshold and allows for greater personal and financial flexibility. Whether leasing a stylish apartment or investing in a classy villa, the residency options accommodate a range of preferences and investment strategies.
Furthermore, in accordance with the latest MPRP programme updates, Malta PR applicants may also apply for a temporary residence card, which grants them immediate access to the Schengen Area, while their Malta PR application is being processed.
How We Can Help
We are a multi-service law firm with extensive expertise in immigration, corporate law, and private client advisory. Our holistic approach ensures that High-Net-Worth Individuals receive tailored, end-to-end support when establishing residency in Malta. Our services include:
- Personalized consultation to identify the most suitable residency route
- Legal and tax advisory through licensed professionals
- Assistance with property acquisition or leasing
- Application preparation and submission
- Ongoing support post-residency, including relocation services and compliance guidance
- Corporate structuring and company formation services for business interests in Malta or the EU
- Succession planning, wealth structuring, and family governance solutions for long-term security and legacy
In a significant ruling delivered on 29 April 2025, the Court of Justice of the European Union (CJEU) provided guidance on Malta’s citizenship by investment regulations, concluding proceedings initiated by the European Commission regarding the legislation which was introduced in 2020.
The Court reiterated that while Member States retain sovereignty in setting their own nationality laws, that competence must be exercised in a manner that respects EU law. The ruling focused on Article 20 of the Treaty on the Functioning of the European Union (TFEU), which defines Union citizenship, and Article 4(3) of the Treaty on European Union (TEU), which outlines the principle of sincere cooperation between the EU and its Member States.
Key Legal Arguments
The European Commission’s main contention was that Malta’s laws, which grant nationality in exchange for predetermined investments, could impact the integrity of Union citizenship by not requiring a genuine connection between the applicant and the State. The Commission argued that this approach could affect mutual trust among Member States and the essence of EU citizenship.
In response, Malta defended its framework, stressing that nationality matters fall squarely within national sovereignty, a principle protected under Article 4(2) TEU. The Maltese government pointed out that its programme is not automatic but discretionary, subject to stringent due diligence and compliance procedures.
The Court’s Deliberations and Judgment
The Court reaffirmed that while Member States enjoy wide discretion over nationality matters, they must exercise this power with due regard for EU law, both when granting and withdrawing citizenship. Referencing established case law (Michelletti, Rottmann), the Court stressed that nationality must be underpinned by a “special relationship of solidarity and good faith” between the State and the individual.
The judgment confirmed that naturalisation procedures which are transactional in nature, hence where nationality is granted in exchange for predetermined payments or investments may not align fully with the principles of sincere cooperation and mutual trust that underpin EU citizenship, in the absence of genuine connections.
The Court concluded:
“By establishing and operating an institutionalised citizenship investment scheme, which implements a transactional naturalisation procedure in exchange for predetermined payments or investments and thereby amounts to the commercialisation of the grant of the nationality of a Member State and, by extension, that of Union citizenship, the Republic of Malta has not fully complied with its obligations under Article 20 TFEU and Article 4(3) TEU.”
Malta’s Official Response
Following the judgment, the Government of Malta issued a formal press release (PR250702), confirming its full respect for the Court’s decision. The government stated that it is currently studying the legal implications of the ruling to ensure that the legislative framework is aligned with the principles outlined by the Court.
The government highlighted that it has consistently maintained that nationality falls within the exclusive competence of Member States, a position it has defended robustly since the start of proceedings in 2020. This stance was supported by the Advocate General’s opinion of 4 October 2024, which concluded there was no case against Malta.
While acknowledging the judgment, Malta pointed out that the Court reaffirmed the principle of national competence over citizenship matters. The government also clarified that all citizenships granted under both the current and previous frameworks remain valid and fully recognised.
The Maltese authorities took the opportunity to emphasise the positive economic impact of the programme, which has contributed significantly to a national investment and savings fund designed to benefit both present and future generations.
Next Steps
The Government of Malta has confirmed that it is currently analysing the judgment in detail and will be amending the citizenship regulations to ensure alignment with the principles outlined by the Court. We will keep you updated with further developments as they unfold.
Licence number: AKM-ACCA
The Court of Justice of the European Union (CJEU) has set 29th April 2025 as the date for its long-awaited ruling in Case C-181/23, the infringement proceedings brought by the European Commission against the Republic of Malta over its Citizenship regulations.
This ruling will mark the culmination of a legal process that began in October 2020, with formal proceedings launched in March 2023. At the heart of the dispute is Malta’s Naturalisation for Exceptional Services by Direct Investment Regulations, a framework that allows up to 1,500 individuals (with a cap of 400 main applicants annually) to acquire Maltese citizenship through investment.
Background to the Case
The European Commission alleges that Malta is in breach of Article 20 and Article 4(3) of the Treaty on the Functioning of the European Union (TFEU). According to the Commission, citizenship should only be conferred upon individuals who have a real and meaningful connection to Malta.
Malta, in response, maintains that the decision to grant citizenship is a matter of national sovereignty. Moreover, Malta emphasises that its citizenship framework incorporates a mandatory residence requirement of either 36 or 12 months before submitting a citizenship application, mandatory requirement to establish connections with the Island, along with a rigorous due diligence process designed to ensure applicants are reputable and of good standing.
Advocate General’s Opinion
On the 4th of October 2024, Advocate General Collins issued his opinion on the case, recommending that the Court dismiss the Commission’s action and that the Commission bear its own costs and those of Malta.
Quoting from his opinion, Collins stated:
“Member States have decided that it is for each of them alone to determine who is entitled to be one of their nationals and, as a consequence, who is an EU citizen.”
While Advocate General opinions carry significant weight, they are not binding on the Court and the final decision rests solely with the CJEU
Judgement Date
The CJEU’s decision on 29 April 2025 is expected to bring legal clarity and a final decision by the Court of Justice on Malta’s citizenship by investment regulations.
Our Maltese Citizenship by Investment Services
We offer the following services in relationship to Malta Citizenship by Investment:
- advising you on your eligibility and your chances of success before filing your application;
- guiding you with the preparation and forwarding of the necessary documentation;
- vetting and preparing all supporting documentation for submission;
Applications for Maltese Citizenship by Investment are to be made to and processed wholly by Agenzija Komunita Malta. Dr Priscilla Mifsud Parker is a Licensed Agent, holding licence AKM-ACCA.
Are you an American citizen dreaming of a second passport that offers visa-free travel to over 190 countries, the right to live and work across Europe, and a gateway to new financial and lifestyle possibilities, all without surrendering your American citizenship? Malta, a Mediterranean gem and EU member state, offers one of the most appealing dual citizenship options for Americans. Whether through investment or ancestry U.S. nationals have several routes to securing Maltese citizenship.
In this comprehensive guide, we’ll walk you through how to obtain Maltese citizenship, the key legal details you need to know, and the main benefits.
What Does Dual Citizenship Mean for U.S. Citizens?
Dual citizenship allows you to hold citizenship in two countries simultaneously—in this case, the United States and Malta. Malta fully permits dual citizenship, making it an attractive choice for Americans seeking enhanced global mobility and EU access while retaining their U.S. passport. The U.S. government neither actively encourages nor prohibits dual citizenship, hence one can retain both the US and Maltese passports at the same time.
Why Choose Maltese Citizenship? The Benefits for Americans
Maltese citizenship isn’t just a second passport—it’s a key to a better-connected, more secure, and enriched life. Here’s why it’s a game-changer for U.S. nationals:
Unmatched Global Mobility
A Maltese passport grants visa-free or visa-on-arrival access to over 190 destinations, including:
- All EU and Schengen Area countries
- The UK, Canada, China, Australia, Japan, and more
This eliminates the hassle of visa applications, streamlining travel for business, leisure, or spontaneous getaways.
Full Access to the EU
As an EU citizen, you can:
- Live, work, or start a business in any of the 27 EU countries, plus Iceland, Norway, Liechtenstein, and Switzerland.
- Study at top European universities at local tuition rates.
A Mediterranean Lifestyle
Malta offers more than just a passport—it’s a vibrant place to live or visit:
- Warm climate, stunning coastlines, and a rich history dating back millennia.
- An English-speaking population (English is an official language), easing the transition for Americans.
- Top-tier healthcare and education, low crime rates, and political stability.
A Welcoming Haven for All
Malta ranks among the world’s most LGBTQ+-friendly nations, consistently topping the ILGA Rainbow Europe Index. It offers:
- Robust anti-discrimination laws and marriage equality.
- A safe, inclusive environment for individuals and families of all backgrounds.
You can read more on Malta as a gay-friendly gateaway here.
How to apply for dual citizenship Malta
There are two main pathways for Americans to secure Maltese citizenship. Each has unique requirements, timelines, and benefits—here’s how they work:
Citizenship by Investment through the Granting of Citizenship for Exceptional Services Regulations
Malta’s citizenship-by-investment program is ideal for high-net-worth individuals contributing to the nation’s growth.
There are three main requirements:
- Financial Contribution:
- €750,000 for citizenship after 12 months of residency, or €600,000 after 36 months.
- An additional €50,000 per dependent (spouse, children, or parents).
- Real Estate:
- Purchase property worth €700,000+ (held for 5 years), or
- Rent a property for €16,000+ annually (held for 5 years).
- Charity Donation: €10,000 to a registered Maltese voluntary organisation.
Citizenship by Descent
For those who can prove that they have two generations of ascendants born in Malta, they might qualify for citizenship through descent.
Is Maltese Citizenship Right for You?
For U.S. nationals, Maltese citizenship opens doors to a world of possibilities—unparalleled mobility, enhanced security, and access to EU opportunities. Whether you’re a global investor, an entrepreneur expanding into Europe, or someone seeking a second home in a dynamic and welcoming country, Malta offers a compelling choice.
Take the Next Step with ACC Advisors (Licence AKM-ACCA)
Navigating the path to dual citizenship requires expert guidance, and that’s where ACC Advisors comes in. With our extensive experience in Maltese immigration law and investment migration, we assist U.S. nationals in securing Maltese citizenship through the most suitable route.
Whether you’re considering citizenship by investment, descent, marriage, or naturalization, our team provides tailored advice and a seamless application process. Contact ACC Advisors (Licence AKM-ACCA) today for a confidential consultation and discover how Maltese citizenship can unlock a world of new opportunities.
Malta, a sun-drenched Mediterranean island, stands out as one of the world’s most progressive and LGBTQ+ friendly nations, attracting individuals and families eager to relocate to a place that embraces diversity. For nearly a decade, Malta has held the top spot on ILGA-Europe’s Rainbow Index, a testament to its robust legal protections, vibrant community, and forward-thinking policies. Whether you’re seeking a new home through the Malta Permanent Residence Programme (MPRP) or aiming for full citizenship via the Citizenship by Exceptional Services through Direct Investment, Malta offers a secure, gay-friendly haven with a high quality of life.
Why Malta is a Sanctuary for All
Malta’s leadership in LGBTQ+ rights is rooted in a series of groundbreaking achievements. Same-sex sexual activity has been legal since 1973, but the nation’s modern journey toward equality accelerated with milestones like the 2014 legalization of civil unions and anti-discrimination protections in employment. In 2015, the Gender Identity, Gender Expression, and Sex Characteristics Act made it possible to update legal gender without medical intervention—a global benchmark for personal freedom. The 2016 ban on conversion therapy, a European first, followed by same-sex marriage in 2017, cemented Malta’s status as a pioneer. Today, it’s one of only five countries worldwide to enshrine LGBTQ+ equality at a constitutional level.
This legal framework is matched by a warm, evolving society. Malta Pride, held annually in September, transforms Valletta into a rainbow-hued celebration, drawing locals and expats alike with its colorful march and festivities.
Malta Permanent Residence Programme (MPRP): Your Key to a New Life
For non-EU nationals seeking a stable base in a nation that celebrates equality, the Malta Permanent Residence Programme (MPRP) offers a straightforward path to permanent residency. This program invites individuals and families—including same-sex couples—to settle in Malta indefinitely through a practical investment process, unlocking a lifestyle rich in opportunity and acceptance.
Key Requirements
- Property Investment: Rent a property for at least €14,000 annually or purchase one for €375,000 or more, held for five years.
- Government Contribution: Pay a one-time fee of €110,000 if renting or €80,000 if buying, plus €10,000 per additional family member.
- Charity Donation: Contribute €2,000 to a registered local charity.
Same-sex couples can apply jointly, submitting a marriage or civil union certificate or proof of a stable relationship, ensuring all families are equally welcomed. Once approved, residents gain access to Malta’s top-rated healthcare system—offering comprehensive services, including specialized care—along with visa-free travel within the Schengen Zone for up to 90 days in a 180-day period, and many more benefits. With no minimum stay requirement, the MPRP suits those craving flexibility while enjoying a safe, low-crime environment where diversity thrives.
Maltese Citizenship by Investment
For those dreaming of full EU citizenship, Malta’s Citizenship for Exceptional Services by Direct Investment Programme provides a prestigious route after a residency period of 12 or 36 months. Holding a Maltese passport—among the world’s most powerful—means visa-free travel to over 190 countries and the freedom to live, work, and study anywhere in the EU.
Key Requirements
- Investment Contribution: €600,000 for a 36-month residency track or €750,000 for a 12-month track, plus €50,000 per dependent.
- Property Commitment: Purchase a property for €700,000 or rent one for €16,000 annually, both held for five years.
- Philanthropic Donation: Donate €10,000 to a registered Maltese charity or NGO.
This program warmly embraces same-sex couples and families, reflecting Malta’s commitment to equality. Beyond global mobility, citizenship offers access to a supportive community, a remittance-based tax system (foreign income not brought to Malta remains untaxed), and the chance to pass citizenship to future generations—all in a nation that values every resident.
A Home Where Everyone Belongs
Malta’s allure extends far beyond its policies. With a Mediterranean climate, stunning coastlines, and UNESCO World Heritage Sites like the Ġgantija Temples, the island pairs natural beauty with a rich cultural tapestry. Neighborhoods like Valletta buzz with LGBTQ+-friendly venues and events, while quieter spots like Rabat offer a blend of history and modern living. Organizations such as the Malta Gay Rights Movement (MGRM) provide support networks, legal advice, and advocacy, ensuring expats feel connected. From the lively nightlife of St. Julian’s to the serene beaches of Gozo, Malta delivers a lifestyle where everyone can flourish.
The island’s strategic location—three hours from London or Paris—adds practical appeal, while its English-speaking population (a legacy of British rule) eases the transition for expats. Whether you’re drawn by the promise of equality, the vibrant Pride celebrations, or the chance to invest in a stable EU economy, Malta offers a rare blend of acceptance and opportunity.
Get in Touch with our Licensed Agents
For those seeking a fresh start in a place that champions equality, Malta stands unmatched. Whether through the MPRP’s permanent residency or the citizenship program’s EU privileges, this island provides a secure, gay-friendly home to shape your future. Contact us to begin your journey today. In Malta, you’re not just welcome—you’re celebrated.
As we begin 2025, Malta’s Permanent Residence Programme (MPRP) continues to attract global attention, offering individuals and families the opportunity to secure long-term residency in one of Europe’s most sought-after destinations. This program, which allows non-EU nationals to establish residence in Malta, combines a high quality of life, access to the European Schengen Area, and a vibrant Mediterranean lifestyle. With its appealing benefits and growing popularity, the MPRP stands as a gateway for those seeking a new chapter in a stable and prosperous European nation. The programme has recently undergone changes as per Legal Notice 310 of 2024.
Malta Permanent Residence 2025
Third-country nationals, excluding those from the EU, EEA, and Switzerland, are eligible to the Malta Permanent Residence Programme 2025. However, individuals from currently sanctioned countries—namely Afghanistan, North Korea, Iran, the Democratic Republic of Congo, Somalia, South Sudan, Sudan, Syria, Yemen, and Venezuela—are ineligible. Additionally, applications from nationals of the Russian Federation and the Republic of Belarus are also not accepted at this time.
How to become a Permanent Residence of Malta?
A Main applicant applying under Malta’s Permanent Residence Programme (MPRP), must possess assets of at least €500,000, of which €150,000 must be in financial assets, OR assets totaling €650,000, with a minimum of €75,000 in financial assets.
Liquid/Financial assets include stocks, bonds, publicly listed/traded shares, funds and bank deposits, excluding cryptocurrency.
Inclusion of Family Members under the Malta Permanent Residence Programme
In the same application, the main applicant may include:
- The spouse or partner in a long and durable relationship
- Unmarried and financially dependent children up to the age of 28
- Financially dependent parents and grandparents of the applicant and of the spouse
What is the investment needed under the Malta Permanent Residence Programme in 2025?
The investor under the MPRP must make three different types of contributions and investment. These are split in: contribution & administrative fees paid to the government of Malta, a donation to charity and an investment into real estate.
Real Estate Investment
The main applicant must purchase or rent a property in Malta, which is to be kept for at least 5 years.
- Minimum Purchase Price: €375,000 for properties in Malta or Gozo.
- Minimum Annual Rent: €14,000 annually for properties in Malta or Gozo
Donation to Charity
The main applicant must make a donation to charity of €2,000
Government Administration Fees and Contributions
The main applicant must pay Government Administration Fees & Contributions as follows:
Main Applicant:
- A non-refundable administration fee of €50,000 is required:
- €15,000 payable within 1 month of application submission,
- Remaining €35,000 due within 2 months of receiving the Letter of Approval in Principle.
- Additional Government Contribution:
- For applicants purchasing property: €30,000
- For applicants renting property: €60,000
This Government Contribution must be paid within 8 months of the Letter of Approval in Principle.
Each Family member
- A fee of €10,000 per dependant, comprising:
- €5,000 as a non-refundable administration fee, payable within 2 months of the Letter of Approval in Principle, and
- €5,000 contribution payable within 8 months of the Letter of Approval in Principle.
What are the benefits of the MPRP?
Many are the benefits of the Malta Permanent Residence Programme, with the key advantages being:
- MPRP holders are granted the right to travel in the Schengen Area without a visa. The visa-free stay in the European Schengen Area is for 90 days out of 180 days.
- MPRP holders receive the right to work and live in Malta indefinitely.
- MPRP holders are not required to live in Malta for a minimum time in order to keep their permanent residence status.
- MPRP status is valid for life.
How to apply for Permanent Residency in Malta?
Under the Malta Permanent Residence Programme Regulations (L.N. 310 of 2024), investors cannot apply for permanent residence independently. Instead, a licensed agent accredited by the Government of Malta ensures the investor complies with all programme requirements. The agent provides comprehensive support throughout the process, from document preparation to the issuance of the permanent residence card.
Dr Priscilla Mifsud Parker is a Licensed Agent under the Malta Permanent Residence Programme (MPRP) regulations with Licence AKM-ACCA.
The Malta Permanent Residence Programme (MPRP) continues to be a popular choice for third-country nationals seeking to reside in Malta.
Following the publication of Legal Notice 310 of 2024 on the 19th of November 2024, the Residency Malta Agency (RMA) has announced a number of significant amendments. These updates address changes to the Malta Permanent Residence Programme (MPRP) submissions starting from the 1st of January 2025.
Key Features of the current MPRP Regulations
- Eligibility Criteria: Applicants must possess capital assets of at least €500,000, with €150,000 in financial assets. They must also lease a property for a minimum of €10,000 per annum in the South of Malta or Gozo, or €12,000 per annum in the North of Malta. Alternatively, they can purchase a property valued at €300,000 in the South of Malta or Gozo, or €350,000 in the North of Malta
- Contribution Requirements: A non-refundable contribution of €68,000 is required when purchasing a property, or €98,000 when renting. Additionally, applicants must donate €2,000 to a Malta-registered NGO or charity organisation as approved by the agency.
- Health Insurance: All applicants and their dependants must have a health insurance plan covering all risks in Malta
- Dependants: The programme allows for the inclusion of the main applicant’s spouse, unmarried and financially dependent children without any age limitations, and parents or grandparents who are wholly maintained by the main applicant
Malta Permanent Residence Programme Proposed Changes for 2025
- Revised Eligibility Criteria: From January 1, 2025, applicants have two options to show that they are economically self sufficient.
Option 1: The main applicant must present evidence of assets valued at not less than €500,000, with a minimum of €150,000 in financial assets, or
Option 2: The main applicant must present evidence of assets valued at not less than €650,000, with a minimum of €75,000 in financial assets
- Dependants’ Age Limit: A child of the main applicant or their spouse is eligible as a dependant as long as they have not yet reached the age of 29, are unmarried, and still financially dependent on the main applicant
- Qualifying Property: The minimum value for qualifying owned property will be €375,000, and the minimum annual rent for qualifying rented property will be of €14,000. This therefore removes the difference between investing in Malta or in Gozo/South of Malta.
- Administration Fees and Contributions:
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- A non-refundable administration fee of €50,000 is to be paid for the main applicant, with €15,000 payable within one month of application submission and the remaining €35,000 within two months of receiving a Letter of Approval in Principle.
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- Dependants’ fees include a €10,000 fee for each dependant, with €5,000 as a non-refundable administration fee payable within two months of receiving a Letter of Approval in Principle, and the remaining €5,000 contribution payable within eight months.
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- A contribution of €30,000 will apply for the main applicant if opting for a qualifying owned property, or €60,000 if renting a property. This shall be payable within eight months of receiving a Letter of Approval in Principle.
Applications Submitted Prior to 2025
Applications submitted under the regulations prior to the publication of Legal Notice No 310 of 2024 will be accepted until December 31, 2024. These applications must include the minimum required documentation, such as Form MPRP 1, Form MPRP 10 for the main applicant and each dependant, Power of Attorney, certified true copies of passports, and a declaration signed by the main applicant
All remaining documentation must be submitted by the 28th of March 2025, or the application will be considered withdrawn.
The MPRP is designed to attract high-net-worth individuals and their families, offering them the opportunity to enjoy the benefits of residing in Malta, including a favorable tax regime and a high quality of life.
Our Malta Permanent Residence Services
At ACC, a licensed Maltese Immigration Firm (Licence No. AKM-ACCA), we specialize in guiding high-net-worth international families and businesses across a range of areas, including residency and citizenship, corporate law, taxation, financial services, fintech, and property. For over 20 years, our dedicated Malta Permanent Residence specialists have successfully assisted hundreds of individuals and families, from expatriate retirees to emigrants seeking new career opportunities. We proudly promote Malta as a prime destination for investment and relocation, reflecting the country’s rich tradition of hospitality and multiculturalism.
Our team provides expert advice on the legal and tax implications of the residence application process, offering tailored guidance to ensure compliance and efficient timelines based on your unique circumstances. We cover the requirements of various residence schemes in Malta and offer practical support for relocation needs, including transportation, insurance, schooling, and healthcare coverage. Let us help make your transition to Malta seamless and rewarding
Applying for Maltese citizenship or residence, and relocating to Malta is an exciting venture, offering a blend of Mediterranean charm and weather with sunny summers and mild winters. Malta also boasts a rich historical and cultural heritage with numerous UNESCO World Heritage Sites, including the ancient Megalithic Temples and the historic city of Valletta. The fusion of different cultural influences, from the Phoenicians to the British, creates a unique and fascinating environment. Malta offers a high quality of life with a strong sense of community, low crime rates, and excellent healthcare and educational services.
As you prepare to make this beautiful island your home, choosing the right property is a crucial step. Here’s a guide to help you navigate the property market in Malta and find the perfect place to call home.
Understanding the Maltese Property Market
The Maltese property market is diverse, catering to various tastes and budgets. From historic townhouses in Valletta to modern apartments in Sliema and luxury villas in St. Julian’s, there’s something for everyone. Understanding the local market trends, property types, and legal considerations is essential for making an informed decision.
Should I buy or rent?
Deciding whether to buy or rent property in Malta depends on your personal circumstances, financial situation, residency or citizenship by investment programme minimum spend requirements and long-term plans.
Buying property can be a solid investment due to Malta’s stable real estate market and very good potential for property value appreciation. It offers the benefits of owning something you can call your own, the right to make any amendments to the property and the right to rent it out. On the latter point, one needs to consider whether the investment migration programme under which the property is bought allows the rental of the qualifying property.
In a recent publication by the Maltese National Statistics Office (NSO) issued in June 2024, there is a clear indication that Residential Property Transactions were on the increase. A snippet of the results can be found below:
Renting, on the other hand, provides more flexibility, lower initial costs, and less responsibility for property upkeep. It is ideal for those who may be staying short-term or wish to get to know the island better before they commit to purchase. Ultimately, the decision should align with your financial readiness, lifestyle preferences, and future goals.
Location is key
Your choice of location will significantly impact your lifestyle in Malta. Here are some popular areas to consider:
- Valletta: The capital city, known for its historical significance and vibrant cultural scene. Ideal for those who appreciate history and urban living.
- Sliema and St. Julian’s: These bustling coastal towns offer a mix of shopping, dining, and nightlife. Perfect for expats and young professionals seeking a lively environment.
- Gozo: Malta’s sister island, known for its tranquil and laid-back lifestyle. Great for those looking for a quieter, more rural setting.
- Mellieha and St. Paul’s Bay: These northern towns provide beautiful beaches and a more relaxed pace of life, suitable for families and retirees.
- Lija, Attard and Balzan: Often referred to as ‘The Three Villages’ situated in central Malta. Fitting for individuals who need to travel around the island frequently and with ease.
Property Types
Malta offers a range of property types to suit different preferences:
- Apartments: Available in various sizes, from studios to spacious penthouses. Apartments are popular in urban areas and often come with present-day amenities.
- Houses of Character: These are highly sought after for their unique charm and historical significance, providing a living experience that is deeply connected to Malta’s cultural heritage.
- Townhouses: These properties offer a combination of traditional Maltese architecture and contemporary comforts. They are generally newer than houses of character, often from the late 19th to early 20th centuries, with a more uniform architectural style.
- Villas: Often found in more suburban or rural areas, villas provide luxury, privacy, and ample space, perfect for families or those seeking a more secluded residence.
- Farmhouses: Particularly in Gozo and rural Malta, farmhouses offer rustic charm and expansive grounds, appealing to those desiring a connection to nature.
Budget Considerations
The cost of property in Malta can vary widely depending on the location and property type. Urban areas like Sliema and St. Julian’s are generally more expensive than rural or less central areas. Establish a clear budget and consider additional costs such as property taxes and notary fees if you are purchasing, maintenance, and utilities.
Most houses would already have electricity and water supplies. For newly built properties, one would need to apply for these utilities through Arms Ltd.
One other consideration is the minimum property thresholds established by the chosen residence programme. We hereby outline the property requirements for Non-EU nationals seeking Permanent Residence in Malta:
- Rent a property for:
- €10K per year if the property is in Gozo or South of Malta
- €12K per year if the property is in Central or North of Malta
OR
- Purchase a property for:
- €300,000 if the property is in Gozo or South of Malta
- €350,000 if the property is in Central or North of Malta
On the other hand, if opting to apply for citizenship by investment in Malta, the minimum value to purchase a property is of €700,000, and when renting a property, it is of €16,000 annually.
Legal and Administrative Steps
Whether you decide to go for property rental or purchase, it is always prudent to appoint a property lawyer to oversee the property transaction and guide you accordingly.
Purchasing property in Malta involves several legal and administrative steps:
- Due Diligence: Conduct thorough checks on the property’s title and any potential encumbrances. This task is usually carried out by a notary who is usually appointed by the purchaser.
- Purchase Agreement: Once you find a property, a preliminary agreement (Konvenju) is signed, outlining the terms and conditions of the sale.
- Permits and Taxes: Non-EU citizens may require an Acquisition of Immovable Property (AIP) permit. Be aware of taxes such as stamp duty and property registration fees.
Lifestyle Considerations
When choosing your property, think about your lifestyle needs:
- Proximity to Amenities: Consider the property’s proximity to schools, healthcare facilities, supermarkets, and recreational areas.
- Transport Links: Ensure good connectivity to public transport or main roads if you plan to commute.
- Locality Atmosphere: Research the neighborhood’s community vibe and ambiance to ensure it aligns with your preferences.
Final Thoughts
Choosing the right property when setting up residence in Malta involves careful consideration of location, property type, budget, and residence programme requirement. By understanding the local market and aligning your choice with your lifestyle needs, you can find a property that not only meets your practical requirements but also enhances your living experience on this stunning Mediterranean island. Whether you seek the hustle and bustle of urban life or the serenity of a rural retreat, Malta offers a wealth of options to create your perfect home.
Relocating to a new country with children is a significant life change that involves careful planning and consideration. Malta, an island in the Mediterranean, offers a unique blend of historical richness, vibrant culture, a safe location and a welcoming environment, making it an attractive destination for families. However, relocating to Malta with minors requires attention to several important aspects to ensure a straightforward move.
This article covers the essential considerations for your family!
Legal Requirements and Documentation
Residence Permits
Before relocating, it is crucial to understand the available residence permit options. Citizens of the European Union (EU) and the European Economic Area (EEA) do not need a visa to enter Malta but must apply for a residence permit if they plan to stay longer than three months.
Non-EU citizens, depending on their country of origin, may need a visa to enter Malta and must also apply for a residence permit. The most sought-after option for Non-EU nationals is the Malta Permanent Residence Programme (MPRP) which includes all the family members in one application. It is advisable to contact a local Licensed Agent such as ACC Advisors to assist with your application.
Documentation for Minors
It is important to ensure that minors have a valid passport. Depending on the country of origin, additional documents such as birth certificates and custody papers (if applicable) may be required. All documentation submitted for residence application in Malta need to be translated into English.
Education
School Enrolment
Malta boasts a robust educational system with public, church, private, and international schools. Public schools follow the Maltese curriculum and instruction is primarily in English and Maltese. Private and international schools offer various curricula and most lessons are conducted in English.
Below one can find a list of private schools and universities in Malta:
Schools
- Chiswick House School – https://www.chs.edu.mt/
- QSI International School of Malta – https://malta.qsi.org/
- San Andrea School – https://www.sanandrea.edu.mt/
- San Anton School – https://www.sananton.edu.mt/
- Saint Edwards College – https://stedwards.edu.mt/
- Verdala International School – https://www.verdala.org/
Universities
- University of Malta – https://www.um.edu.mt/
- American University of Malta – https://aum.edu.mt/
- Barts and the London School of Medicine – https://www.qmul.ac.uk/malta/
Language Considerations
English and Maltese are both official languages of Malta. While English is widely spoken, learning basic Maltese phrases can enrich your family’s experience and help your children integrate better into the local culture and school environment.
If the applicants moving to Malta wish to integrate even more, they can enrol in a Maltese for foreigners course. In addition, international schools often have language support programmes to help non-native English speakers.
Healthcare
Health Insurance
EU/EEA citizens can access public healthcare services in Malta with their European Health Insurance Card (EHIC). Non-EU nationals must have a private health insurance policy unless they work in Malta and contribute to Malta’s national insurance and social security.
Vaccinations
Ensure your child’s vaccinations are up to date according to your home country’s schedule. Malta has a comprehensive vaccination programme, and you may need to show proof of vaccinations for school enrolment.
Housing
Finding a Suitable Home
When looking for a property to buy or rent, consider factors such as the minimum qualifying value depending on the immigration programme chosen, proximity to schools and recreational areas for example playgrounds, kids focused activity centres like Esplora and restaurants with play areas for the kids.
Popular residential areas for expatriate families include Sliema and St. Julians while other families prefer quieter, more central areas like Balzan, Lija, Naxxar and Attard.
Financial Considerations
Cost of Living
The cost of living in Malta is generally comparable to that of other European countries. Everyday expenses, including groceries and dining out are reasonable. Public transport is provided for free for all Maltese residents.
Health insurance costs are relatively affordable especially for minors, while tuition fees for private and international schools can be expensive. Housing costs can vary depending on the location and type of accommodation chosen.
Support Networks
Expat Communities
Malta has a vibrant expatriate community. Joining expat groups, can provide valuable support and advice, helping your family settle in more quickly.
Local Support Services
There are various local organizations and services designed to help families, including family support groups, and child welfare services.
It is always advisable to prepare minors psychologically before the transition to another country actually takes place. If kids are still overwhelmed by the emotional journey associated with the relocation itself, there are many support services offered by various professionals in Malta that help ease the minor’s worries.
Plan of Action
Relocating to Malta with children involves thorough preparation, from securing the necessary residence permits to selecting the right school and integrating into the local community. Malta’s blend of Mediterranean charm, historical depth, and modern amenities makes it a fantastic place for families. By addressing the key areas outlined in this guide, you will be on the right track for a successful shift towards your new life in Malta.
Contact one of our Professional Advisors if you wish to learn more about relocating to Malta. ACC is a licensed agent in Malta and can assist with your relocation. (AKM-ACCA)