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)
In recent years, the socio-political landscape in Lebanon has been marked by significant instability. Economic downturns, political uncertainty, and security concerns have compelled many Lebanese nationals to seek alternative options for a stable and secure future. Among these alternatives, the Malta Permanent Residence Programme (MPRP) has emerged as the preferred European residence solution for a different number of reasons.
A Safe Haven in the Heart of the Mediterranean
Malta, a member of the European Union and the Schengen Area, is renowned for its political stability, robust economy, and high quality of life. The island nation provides a safe and secure environment, making it an attractive destination for those fleeing regions of turmoil. For Lebanese nationals, Malta’s PR Programme offers a permanent residence status in a country that is both geographically and culturally accessible.
A Maltese permanent residence application can include up to four generations applying together in one application. The PR status becomes effective for all the family members immediately on application approval.
Economic and Financial Security
One of the primary benefits of Malta, is the economic stability it promises. Unlike Lebanon, which has faced severe financial crises and currency devaluation, Malta boasts a solid economy with a resilient banking sector. Permanent residents of Malta benefit from a favourable tax regime, including no wealth, inheritance, or property taxes, making it an appealing option for Lebanese investors and businesspeople looking to protect and grow their assets.
Access to the Schengen Zone
Obtaining permanent residence in Malta comes with the significant advantage of access to the Schengen Zone. Apart from the right to live in Malta indefinitely, under the MPRP Lebanese nationals can travel freely within the Schengen Zone with a maximum stay of 3 months in every 6 months. For businesspeople, this means enhanced commercial opportunities without having to secure a Schengen Visa for each trip.
A Streamlined Residency Process
The Malta Permanent Residence Programme is designed to be efficient and straightforward. Applicants must satisfy the following investment requirements:
- Pay a one-time application fee and contribution to the Government of €110,000 when renting a property or €80,000 if purchasing a property (an additional contribution of €10,000 per family member included in the application is also due), and
- Rent a property in Malta or Gozo for €14,000 OR purchase a property for €375,000 and
- Pay a donation of €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic NGO.
Furthermore, the main applicant needs to declare and provide evidence that s/he is in possession of assets having a value of not less than €500,000 out of which a minimum of €150,000 shall be in the form of financial assets. Applicants may also opt to present a capital of €650,000, with at least €75,000 in the form of financial assets.
All the family members included in the PR application need to pass the necessary background checks and be deemed as fit and proper to proceed with an MPRP application.
The investments mentioned above are only required after the approval of the MPRP application. This makes the process transparent and well-regulated, ensuring that applicants can achieve residency status without unnecessary complications or delays.
Quality of Life and Cultural Affinity
Malta offers a high standard of living with a blend of Mediterranean charm and modern amenities. The country is known for its excellent healthcare system, diverse educational institutions, and a rich cultural heritage. For Lebanese nationals, the cultural similarities, such as the Mediterranean lifestyle, cuisine, hospitality and language resemblances, make Malta a comfortable and familiar environment to consider.
Long-Term Stability and Peace of Mind
In a region where uncertainty is the norm, the ability to plan for the long term is invaluable. Malta’s Permanent Residence Programme provides Lebanese nationals with peace of mind, knowing they have a secure and safe place to call home. This stability and the lifetime permanent residency status, allows families to focus on building their futures, whether through education, business ventures, or simply enjoying a higher quality of life.
At the same time, the Maltese Permanent Residence Programme does not impose any annual physical stay in Malta. This makes it easier for families who might seek PR as a Plan B for their families.
Conclusion
As Lebanon continues to navigate its challenges, the Malta Permanent Residence Programme stands out as a viable and attractive solution for Lebanese nationals seeking a safe harbour. The combination of economic benefits, possibility to relocate to Malta, access to the Schengen Zone, and a high quality of life makes Malta an ideal destination. For many Lebanese families, the MPRP is more than just a residency programme; it is a gateway to a brighter, more stable future.
An application under The Malta Permanent Residence Programme (MPRP) may only be submitted via the services of a licensed agent. ACC is a licensed agent in Malta and can assist with MPRP applications. (AKM-ACCA)
Amendments have been implemented to the legislation earlier this month by L.N.57 of 2024, amending the Malta Permanent Residence Programme Regulations (MPRP) and L.N. 56 of 2024, amending the Malta Residence and Visa Programme Regulations (MRVP).
The objective of these amendments is to clarify a number of matters for the better implementation of both programmes. The main amendments from these two legal notices are:
Malta Permanent Residence Programme (MPRP)
- Additional dependants can be exempted from the provision of a health insurance if they do not apply for a residence card;
- Residency Malta has the right to stop the benefits of a certificate while conducting an investigation;
- The Agency can exchange information with other authorities empowered to request information.
Malta Residence and Visa Programme (MRVP)
- Residency Malta can withdraw/withhold residency cards if the dependants are not in possession of a health insurance policy;
- The Agency has the discretion to extend any time limit, upon good cause being shown, for applications concluded after the cut-off day.
The Malta Residence and Visa Programme (MRVP) was replaced by the Malta Permanent Residence Programme (MPRP) in March 2021, however, the Agency has maintained its monitoring and compliance function, by conducting checks on beneficiaries, according to law. Moreover, beneficiaries are still able to benefit from the programme if they need to add more dependants after the issuance of a Residency Certificate.
The Malta Permanent Residence Programme (MPRP) is a residency-by-investment programme based on investments in property and government contributions, designed to attract non-EU nationals who wish to obtain permanent residency in Malta.
Benefits:
- the right to settle, stay and reside permanently in Malta;
- enjoy Visa-free travel across Schengen;
- penetrate Malta’s affordable real estate market;
- may include up to four generations in an application.
Eligibility and Requirements:
- be third country nationals, non-EU, non-EEA and non-Swiss;
- not hail from sanctioned countries, as announced from time to time by the Agency;
- not benefit under other pertinent regulations and schemes;
- be in receipt of stable and regular financial resources, sufficient to maintain themselves and their dependants, without recourse to the social assistance system of Malta;
- show they have capital assets of not less than €500,000, out of which a minimum of €150,000 must be financial assets. Applicants may also provide a capital of €650,000, with €75,000 of that amount required to be in the form of financial assets.;
- be fit-and-proper individuals and have a clean criminal record;
- not pose any potential threat to the national security, public policy, public health or public interest.
Nestled in the heart of the Mediterranean with wonderful sandy and rocky beaches, a pro-business perspective, high academic standards, premium health services and a Mediterranean climate are some of the factors that make Malta a welcoming nation. This archipelago of islands consisting of Malta, Gozo and Comino offers an enticing environment for investing seeking a strategic location in Europe. English is also an official language of Malta making it easier for foreigners to relocate or get accustomed with the island and its residents.
By means of the Granting of Citizenship for Exceptional Services Regulations, Maltese law allows for the granting of citizenship by a certificate of naturalisation to foreign investors and their families who contribute to the economic development of Malta by making a contribution to a state fund, donate to charity and rent or buy a property on the island.
Why is the Maltese Citizenship by Direct Investment Programme (MCES) so significant in today’s world where everyone is seeking peace of mind for their families? Hereunder, we explore the benefits of this exciting journey:
Investment is only required after approval
A significant advantage of the Maltese Citizenship by investment regulations is that the investment is made only after the application has been approved. This gives additional reassurance to the applicants who would first receive their approval and then proceed with the investment.
One application for all the family
An application for citizenship can include up to four generations in one application. This includes the main applicant, spouse, dependent unmarried children under the age of twenty-nine and also dependent parents and grandparents over the age of fifty-five of both the main applicant and the spouse.
Right to reside and settle permanently in Malta
Obtaining Maltese citizenship will give its holder and family members the right to reside permanently in Malta and in any European country. Malta provides an exceptional quality of life, which makes it an attractive destination for those seeking a balanced lifestyle. The island’s accessibility, diverse recreational opportunities, and high standard of living contribute to a thriving community that complements the business landscape.
Dual Citizenship is allowed
Malta allows dual and multiple citizenship, and this means that applicants who obtain Maltese Citizenship by Direct Investment do not need to give up their previous nationality. This is particularly advantageous for those who want to preserve their ties to their home country while gaining access to the advantages that come with Maltese citizenship.
Citizenship granted to future generations
One notable advantage of Maltese citizenship is its intergenerational accessibility, allowing the enjoyment of citizenship to extend seamlessly to future generations. This unique feature ensures that descendants can inherit the rights and privileges associated with Maltese citizenship, creating a lasting and meaningful legacy, irrespective of the place of birth.
Citizenship in a safe environment
Malta is regarded as one of the safest countries in Europe and this has captivated the interest of many families looking for a secure and stable jurisdiction. Malta has also earned a solid reputation among world travelers and migrants especially since crime rates in Malta have always been low compared to other destinations.
A country with economic and political stability
Malta’s economy has experienced a robust economic growth with a remarkable post-pandemic recovery. The country’s economy showed strong advancement and has been historically attracting significant foreign direct investment.
Reliable Healthcare
On becoming citizens of Malta, applicants have free access to all state health centres, community clinics and the Malta government hospital. All medical services are provided free of charge and delivered by a multi-professional team including doctors, physiotherapists, podiatrists, radiographers, speech and language pathologists, phlebotomists, social workers, dieticians, and nutritionists.
In addition, Maltese citizens also get access to the European Health Insurance Card which grants them emergency access to medical treatment in the EU.
Educational Advantages
Beneficiaries of Maltese citizenship will also have access to a high-quality education system which is free of charge. Additionally, one can also benefit from the ability to study in other EU countries under favourable conditions.
Right to live, work and study in Europe
Once the applicants become Maltese/EU nationals, they have the right to live and move within the EU and they would not require a permit to work in any EU country. They can also relocate to study in any member state of their choice.
Visa-free travel to over 190 destinations
In the 2024 passport index, the Maltese Passport has ranked fifth place globally. This ranking is based on the number of countries that an individual can access without a visa or with a visa on arrival with a certain passport. A Maltese passport holder benefits from visa free travel to 190 travel destinations including Australia, the European Union, USA and Canada amongst other countries. This facilitates hassle-free international travel, making it convenient for business, leisure, or other purposes.
Doing Business in Malta and Europe
Maltese nationals can set up, operate, and develop a business in Malta and in any country of the European Union and therefore benefit from various business expansion opportunities.
Property Investments
Investing in the Maltese real estate market has always been highly regarded since the land available on the island is limited and therefore it yields high returns both from rental and from property resale. On obtaining Maltese citizenship, individuals are free to purchase properties in all locations in Malta and no longer require an AIP permit.
In summary, obtaining Maltese citizenship provides a multitude of benefits, ranging from travel privileges and business opportunities to the ability to enjoy a high quality of life within the European Union. The flexibility of dual citizenship further enhances the appeal of Malta as a desirable destination for individuals seeking a well-rounded and globally connected lifestyle.
Challenges in applying for Maltese Citizenship
The Maltese Citizenship by Direct Investment programme requires the applicants to be residents of Malta for a period of 12 or 36 months and therefore it takes time to acquire a Maltese passport since there is a lengthy waiting period, mainly because of the four-tier due diligence exercise done by the authorities. Notwithstanding this, applicant still benefit from receiving a Maltese residence card within two weeks of submission of the application.
Another challenge is that the direct investment which is done to the Maltese Government Fund is non-refundable. This however is only to be paid once an application has been approved. Additionally, the qualifying property bought or rented to fulfil the programme requirements, cannot be rented out to third parties during the first five years holding period.
The Maltese Citizenship application process comprises of a very strict due diligence exercise on all the family members included in the application. Furthermore, applicants need to submit detailed information on how they generated their funds over the years. This assembling of documentation can be seen as cumbersome although at the same time it proves that Malta gives value to the integrity of the applicants to whom citizenship is being granted.
How to obtain Malta Citizenship by Investment
In order to be granted Maltese Citizenship by Direct Investment under the Granting of Citizenship for Exceptional Services Regulations, applicants are first required to visit Malta and apply for a residence card. Once the residence cards are issued in a period of around four weeks, applicants can then submit a citizenship eligibility application. Following a thorough due diligence exercise, and once the application has been approved the applicant is required to:
- Pay a government contribution of:
- €750,000 if applying for citizenship after 1 year of residence
OR
- €600,000 if applying for citizenship after 3 years of residence
Pay an additional €50,000 contribution for each dependant that the main applicant adds to the application. This can include the spouse, children up to the age of 28 and parents and grandparents of the applicant and of the spouse.
- Make a charity donation of €10,000 to a local NGO
- Rent or Purchase Property in Malta, which is to be kept for at least five years:
- Option 1 – Property Rental – The applicant should rent a property for a minimum value of €16,000 per year.
OR
- Option 2 – Property Purchase – The applicant should purchase a property for a minimum value of €700,000.
A Malta Citizenship by Investment application can only be submitted at Community Malta Agency via a Licensed Agent.
ACC Immigration (Malta company registration number C-44042) is duly authorised to act as a licensed Malta agent and holds licence number AKM-ACCA.
In the past few years an increasing number of Ukrainian nationals have been exploring options to secure a second residence or citizenship due to various factors. The motivations behind this trend are multifaceted and rooted in a combination of geopolitical uncertainties, economic considerations, security concerns and the desire for enhanced global mobility. As Ukrainian citizens grapple with these realities, they are seeking alternative options to safeguard their future, embrace opportunities, and build a more secure and versatile life. This article delves into the compelling factors driving this surge in interest among Ukrainian nationals for second residency or citizenship, shedding light on the complex dynamics that underpin this evolving global migration trend.
Europe, with its stable economies, high living standards and strong legal system has become an attractive destination for Ukrainian citizens seeking to enhance their quality of life and secure their future. The attractiveness of Europe for Ukrainians stems from a combination of economic prospects, political stability, access to social services, educational opportunities, and the desire for a higher quality of life. These factors collectively contribute to the increasing trend of Ukrainian nationals seeking to establish a second residence or acquire citizenship in various European countries.
Why are Ukrainians seeking European Residency?
One of the primary reasons why Ukrainian nationals seek European residency and citizenship is their understandable desire for stability and security. As the conflict in Ukraine intensifies, an increasing number of Ukrainian citizens are seeking to relocate to safer territories. Many Ukrainians see European countries as safe shores where they can build a better future for themselves and their families.
In addition to the above; economic opportunities play a significant role in driving Ukrainians to seek European residency and citizenship. Despite efforts to reform the Ukrainian economy, economic challenges persist, leading to limited job opportunities and low wages. European countries offer access to better job opportunities, higher wages and social welfare systems that provide a higher standard of living and greater economic security.
Political Stability and Rule of Law
Europe is known for its political stability, strong institutions, and adherence to the rule of law. Ukrainians see European nations as safe places where they can enjoy a more predictable and secure environment.
Educational Opportunities
European countries boast world-renowned educational institutions. Ukrainian students and professionals may pursue educational opportunities abroad to enhance their skills and gain a competitive edge in the global job market.
Access to Social Services
European countries often provide comprehensive social services, including healthcare and education, which can be appealing to Ukrainians looking for a higher quality of life and better access to essential services for themselves and their families.
Visa-Free Travel and Schengen Zone Access
Many European countries participate in the Schengen Agreement, allowing for visa-free travel within the Schengen Zone. This freedom of movement is particularly attractive to Ukrainians, facilitating easier travel and exploration of diverse cultural and economic landscapes.
Geopolitical Considerations
Given Ukraine’s complex geopolitical situation, some individuals may seek to distance themselves from regional tensions and conflicts by establishing a new life in Europe, where geopolitical stability is generally more predictable.
Language Considerations
Many Ukrainians are already fluent in European languages such as English, German, or French. This linguistic compatibility makes the integration process smoother, enhancing communication and facilitating social integration.
Pathways to obtain European Residency and Citizenship for Ukrainian nationals
Ukrainian nationals have several pathways to obtain European residency and citizenship.
A common route is through family reunification, where individuals may join family members who are already citizens or permanent residents of European countries.
Another option is to apply for asylum or refugee status. Under international law, individuals fleeing persecution or conflict have the right to seek asylum in other countries. However, the process of seeking asylum can be difficult, as Ukrainian nationals must navigate through bureaucratic procedures, demonstrate their eligibility for asylum and often face long waiting periods for their cases to be processed.
The most fast and secure way to obtain European residency or citizenship is to opt for a residency or citizenship programme through investment and entrepreneurship that are offered by various European countries. These programs not only provide opportunities for business expansion and investment diversification but also offer the prospects of enhanced mobility, security and access to European markets.
Maltese residency and citizenship by investment for Ukrainian investors and entrepreneurs
A number of European countries offer residence by investment programs, typically requiring investments in real estate or making a contribution to a fund. These investments not only facilitate residency but also contribute to the local economy.
Malta has established itself as a prime destination for non-EU nationals seeking to secure residence or citizenship through investment. With its outstanding location, warm climate, robust economy and strong GDP growth, attractive tax incentives and high quality of life, Malta offers a range of evident reasons for investors to consider.
Currently Malta offers two separate investment migration programs that provide visa-free travel within the Schengen Area and the opportunity to live, work and reside in Europe.
Malta Permanent Residence Program (MPRP) – Updated with 2025 new rules
Malta’s Residence by Investment Program offers non-EU nationals the opportunity to obtain permanent residency in Malta, providing a pathway to reside in the country indefinitely.
In order to apply, prospective applicants must show that they have in their possession capital of not less than €500,000, out of which €150,000 must be in the form of liquid financial assets. Another option is for applicants to show a capital of €650,000, with €75,000 in financial assets.
The application process from submission until approval takes around 6-12 months. The investment is only required to be made after a letter of approval is issued by the Residency Malta Agency. Applicants are subjected to a due diligence test, after which they will be required to fulfil the following qualifying investments:
- To rent or purchase a property in Malta;
- To donate €2,000 to a charity or a philanthropic organization, and
- To pay a government contribution and administrative fee of €110,000 if renting a property, or €80,000 if purchasing a property.
A residence card issued under this programme grants applicants the right to live indefinitely in Malta and also the right to travel within the Schengen Area without a visa for 90 days within a 180-day period.
Malta Citizenship for Investors
Malta’s Granting of Citizenship for Exceptional Services by Direct Investment offers a pathway to Maltese citizenship for eligible investors. Upon approval, successful applicants and their families are granted Maltese citizenship, along with the rights and privileges granted to Maltese citizens, including visa-free travel, right of freedom of movement, access to free healthcare, and free education.
Under Malta’s Rules for Naturalisation by Direct Investment, the privilege of naturalizing as a Maltese citizen is only extended to a Ukrainian family upon successfully completing all the eligibility requirements.
These eligibility requirements include evidence of social, commercial and personal integration during the 3 or 1 year legal residency period. Upon receiving the last approval the investor must make a one-time non-refundable direct investment of €600,000 or €750,000 to a Government fund. Such funds are used in projects of national importance for the social and economic development of Malta.
There are three main requirements to apply for Maltese Citizenship by Investment:
- A non-refundable contribution of €600,000 if applying after 36 months of €750,000 if applying after 12 months. An additional contribution of €50,000 applies to include additional family members, and
- The purchase or rent of a residential property in Malta at a minimum value of €700,000 (in case of purchasing) or €16,000 per year (in case of renting). The property should be kept for a minimum of 5 years;
- A charitable donation of €10,000 to a local non-governmental or charity organisation.
Malta Licensed Agents
Our immigration lawyers advise on the various immigration routes in Europe.
At the core of our practice is a client-oriented approach, where we prioritize understanding of each client’s unique circumstances, concerns and goals. By tailoring our services to meet individual needs, we ensure that every client receives personalized attention and guidance throughout their immigration journey.
As Maltese residence and citizenship agents with extensive experience of Maltese citizenship and investor immigration programs, we offer a holistic coverage of all immigration and relocation and all relevant tax and legal services.
ACC Immigration Advisors (Malta company registration number C-44042) is duly authorized to act as a licensed agent in Malta and holds licence number AKM-ACCA.
Malta is recognised as a jurisdiction welcoming high net worth families wishing to embrace the opportunity of becoming Maltese citizens. The country acts as a bridge between the African and European continents therefore attracting ongoing foreign investor interest. This is also because Malta has one of Europe’s fastest growing economies which is continuously adapting to global dynamics.
The Granting of Citizenship for Exceptional Services Regulations allow for the granting of Maltese citizenship to individuals and their families contributing to the economic development of the country. Each application submitted under these regulations undergoes a strict four-tier due diligence process.
Once a family is awarded Maltese citizenship, the applicants can benefit from various opportunities in Malta and abroad.
Legal Notice 437 of 2020 specifies the requisites for the Granting of Maltese Citizenship for Exceptional Services Regulations.
To be eligible for Maltese citizenship under the exceptional investment route, the applicant must satisfy a number of financial requirements:
Government Residence Permit Fees
The first step to apply for citizenship by investment under these regulations is to visit Malta and apply for Maltese residency. At this stage, the prospective applicant signs a power of attorney granting the authority for the licenced agent to act on his behalf for the duration of the application process. The licenced agent will perform the first-tier level of due diligence and submits the residence application.
During the residence application, applicants are required to settle the government residence permit fees which amount to €5,027.50 for the main applicant and €1,027.50 for each dependent. During this application the main applicant is also required to pay a non-refundable fee of €10,000 as a part payment of the main contribution.
| Main Applicant | Part Payment of Contribution | €10,000 |
| Main Applicant | Residence Permit + Card | €5,027.50 |
| Each Dependant | Residence Permit + Card | €1,027.50 |
Residency status is issued for 36 months which can only be extended if an eligibility for citizenship application has been submitted.
Government Administrative & Due Diligence Fees
Following the submission of the residence application, residence cards are issued within a few weeks.
Subsequently the citizenship eligibility application can be submitted. At this stage, one submits documents relating to the source of wealth and funds, birth and marriage certificates and police conduct certificates. The Community Malta Agency performs Tier 2 due diligence at this stage and ensures the completeness of the application. Once this is done and the application is deemed to contain all the necessary information, the third and fourth tier due diligence is done, and the findings of this exercise is presented to the Minister responsible for citizenship.
The due diligence process starts with what is known as the M1 phase, at which stage the application is checked for completion, to ensure that all the administrative forms have been provided and are adequately completed, with all the supporting documents. This part of the process categorises an application as an M1-A, in which case it can proceed to the next stage unencumbered, or an M1-B which implies that some elements of the application are missing.
If an application is deemed an M1-B, a report is issued containing the amendments or the information required. This report may request amendments to a government form, missing documentation incorrect authentication of documents.
When an application clears the M1 stage, it proceeds to what is known as the M3 stage where a detailed, critical review of the application and the supporting documentation is done.
Fees to be paid at this stage are the following:
| Applicant | Due Diligence Fee | €15,000 |
| Each Dependant (12 years of age and over) | Due Diligence Fee | €10,000 |
| Benefactor | Due Diligence Fee | €15,000 |
Government Contribution
After the due diligence process has been completed and the Letter of Approval has been issued, the applicant would be required to satisfy the three main investment components of the Malta Citizenship by Investment Regulations. This is done following the 12 or 36 months from the date of issue of the residence cards.
The first requirement is to pay a non-refundable government contribution amounting to €600,000 if the applicant wishes to pursue the 3 year route to citizenship or amounting to €750,000 if the applicant decides to follow the 1 year route.
There is an additional government contribution of €50,000 to be paid for each dependent added to the same application. This is paid on receipt of Letter of in Principle Approval.
Donation to a Voluntary Organisation
The applicant needs to donate €10,000 to a local registered cultural, sport, philanthropic, scientific, animal welfare or artistic non-government organisation or society registered with the Commissioner for Voluntary Organisations.
Property Investment
Upon receipt of the Letter of in Principle Approval, a Malta citizenship applicant needs to choose a qualifying property to purchase or rent. The chosen qualifying property is to be kept for five years. The property requirements are outlined below:
Option 1 – Property Rental
The applicant needs to spend a minimum of €16,000 rental per year.
OR
Option 2 – Property Purchase
The applicant needs to spend a minimum of €700,000 when purchasing the property.
| Applicant | Government Contribution | €600,000 / €750,000 |
| Each Dependent | Government Contribution | €50,000 |
| Applicant | Charity Contribution | €10,000 |
| Applicant | Real Estate Investment | €16,000 Annual Rent or
€700,000 Purchase of Property |
Furthermore, applicants must also provide documentary evidence that any personal, commercial or financial ties to the country that they opted to commit to do, in their residency proposal letter have been completed.
Once the applicant fulfils the exceptional investment, the donation and property requirements, he is invited to come to Malta to take the Oath of Allegiance and the Maltese Certificate of Naturalisation is issued.
A Malta Citizenship by Investment application can only be submitted at Community Malta Agency via a Licensed Agent.
ACC Immigration Advisors (Malta company registration number C-44042) is duly authorised to act as a licensed Malta agent and holds licence number AKM-ACCA.
The island of Malta, with its strategic location in the Mediterranean Sea, attracts a number of non-EU nationals wishing to relocate or retire in a safe and stable country. Malta is a welcoming jurisdiction which offers a multicultural lifestyle, thereby attracting many high-net-worth expatriates who relocate with their families to the island. In addition, Malta is a member of both the Schengen Area and the European Union.
The country offers various residence programmes aimed at assisting foreign nationals wishing to attain a Maltese residence status. One of the prevalent residence options is The Malta Permanent Residence Programme (MPRP) which grants the applicants with Permanent Residence for life and can include four generations in one application.
ACC Immigration Advisors is a licensed agent by the Residency Malta Agency with Licence number AKM-ACCA.
To be eligible for the Malta Permanent Residence Programme, the applicant must satisfy the following financial requirements:
Government Administrative Fee
The applicant is required to pay a non-refundable government administrative fee of €50,000 per application (not per person). An initial payment of €15,000 is to be settled within one month of submission of application while the remaining €35,000 is settled within two months from receipt of Letter of in Principle Approval.
There is an additional government administrative fee of €5,000 to be paid for each dependant, added to the same application.
Government Contribution
Another requisite is the payment of a government contribution amounting to €30,000 if the applicant will be purchasing a property or amounting to €60,000 if the applicant decides to rent a property.
There is an additional government contribution of €5,000 to be paid for each dependant added to the same application.
Donation to a Voluntary Organisation
The applicant needs to donate €2,000 to a local registered cultural, sport, philanthropic, scientific, animal welfare or artistic non-government organisation or society registered with the Commissioner for Voluntary Organisations.
Health Insurance
All applicants included in an MPRP application, must have a private health insurance policy. This health policy must cover all beneficiaries for a minimum of €30,000 per year and should cover full expenses for Malta.
Property Investment
Upon receipt of the Letter of in Principle Approval, an MPRP applicant needs to choose a qualifying property to rent or purchase. The chosen qualifying property is to be kept for 5 years. The property thresholds are outlined below:
Option 1 – Property Rental
- The applicant needs to spend a minimum of €14,000 rental per year when renting a property in Malta or Gozo.
OR
Option 2 – Property Purchase
- The applicant needs to spend a minimum of €375,000 when purchasing a property in Malta or Gozo.
Self Sufficiency
Furthermore, the main applicant for MPRP must show that he is in possession of at least €500,000 in assets, out of which €150,000 should be liquid assets such as stocks, bonds, publicly listed/traded shares, funds and bank deposits. As an alternative, the applicant may present a capital of €650,000, with €75,000 required to be in the form of financial assets.
Benefactor or Doner
If the MPRP main applicant cannot satisfy the financial requirements listed above, he can still submit an MPRP application as main applicant who is a supported by a donor or benefactor.
A donor is an individual who, at a certain point in time, has given a one-time donation which contributed to the accumulation of total wealth of the main applicant. On the other hand, a benefactor is an individual who is taking the responsibility to cover the financial requirements listed above that would qualify the main applicant as eligible for the issuance of the certificate of permanent residence in Malta. Both the donor and benefactor are screened by the agency’s due diligence process as the source of funds of the main applicant.
The MPRP programme is only open to Non-EU nationals with the exception of individuals who hold the nationality of Russia, Belarus, Afghanistan, North Korea, Iran, Democratic Republic of Congo, Somalia, South Sudan, Sudan, Syria, Yemen, and Venezuela.
A Malta Permanent Residence application can be submitted at Residence Malta Agency via a Licensed Agent.
ACC Immigration Advisors (Malta company registration number C-44042) is duly authorised to act as a licensed Malta agent and holds licence number AKM-ACCA.
UPDATE: 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 amendments to the Malta Permanent Residence Programme.
Read more on the 2025 amendments of the MPRP, the new requirements and investment options.
Malta Permanent Residence Programme 2024
There are several reasons why Malta has always been considered as one of the best places to have a second residency. Malta is a democratic country and a European Union member state with a history of political and economic stability. The island’s low crime rate, the unique archaeological sites, the attractive mediterranean climate, the highly regarded education system, the top-quality healthcare services and other distinctive attributes have helped high-net-worth families choose Malta as their place of residence for their family’s relocation.
This interest has increased further with the introduction of the Malta Permanent Residence Programme (MPRP). Why is it so?
Residency for life, for all the family
The validity of a residence permit issued via the MPRP is for life. This Permanent Residence status is retained by children who are currently financially dependant on their parents but might have their own family or employment in the future. In addition, the spouse and future kids of the currently dependant children may also obtain their Maltese Permanent Residence status. This is unlike any other residence by investment programmes where there are age restrictions to include children in the same application.
All the family can apply together in one application (no age limits)
An MPRP application can include the Main Applicant, the spouse, dependant children (without age limitations) and also dependant parents and grandparents. This therefore makes it possible to include up to four generations in one application.
Investment is only required after approval
A major advantage of the Maltese Permanent Residence Programme is that the investment is to be carried out only after the application has been approved. This gives additional security to the applicants who would have received their approval prior to investing. Other residence by investment programmes in Europe require the applicant to make an investment prior to submitting an application.
Permanent Residence is effective on approval
In Malta, the Permanent Residence status is instantly acquired on the approval of an application and therefore applicants do not need to wait for a specific number of years or sit for any language tests in order to obtain permanent residence status.
Visa Free Travel in the Schengen Area
Maltese Permanent Residence permit holders are granted permission to travel to all the Schengen countries for 90 out of 180 days.
No minimum physical stay in Malta
The Maltese Permanent Residence Programme does not impose any annual physical stay in Malta that the applicants need to fulfil while the application is being processed or after being granted approval.
Right to reside and settle permanently in Malta
Many families look for good quality of life, education for their children, access to business opportunities and most of all a stable and safe jurisdiction. This is why numerous families also relocate to Malta after obtaining their Permanent Residence status and immerse themselves in a safe mediterranean lifestyle that the island offers.
MPRP – Financial Requirements
To be eligible for the MPRP, applicants must:
- Pay a non-refundable government administrative fee of €40,000
- Pay a government contribution of €28,000 if purchasing a property or €58,000 if renting a property
- Pay an additional €7,500 government contribution for each parent or grandparent added to the application
- Make a charity donation of €2,000 to a local NGO or charity organisation.
- Rent or Purchase Property (The chosen property is to be kept for 5 years):
- Property Rental
- Located in Central or North Malta – minimum spend of €12,000 per year
- Located in South of Malta or Gozo – minimum spend of €10,000 per year
- Property Rental
OR
- Property Purchase
- Located in Central or North Malta – minimum spend of €350,000
- Located in South of Malta or Gozo – minimum spend of €300,000
- Applicants must show that they are in possession of at least €500,000 in assets, out of which €150,000 should be liquid assets.
A Malta Permanent Residence application can be submitted at Residence Malta Agency via a Licensed Agent.
ACC Immigration Advisors (Malta company registration number C-44042) is duly authorised to act as a licensed Malta agent and holds licence number AKM-ACCA.
Malta’s Golden Visa programme, formally known as the Malta Permanent Residence Programme was formally enacted into law by means of Legal Notice 122 of 2021 in April of 2021 and further amended via Legal Notice 310 of 2024. The introduction of the MPRP happened with the announcement of the restrictions of the Portugal Golden Visa and rumours of its possible closure. In February, the Portuguese Prime minister announced that his government would end the Golden Visa Programme. Subsequently in October, the Portuguese President Marcelo Rebelo de Sousa confirmed the enactment of the ‘More Housing’ Bill with the intention of removing the option to invest in property as a way to apply for the golden visa programme in Portugal. Hence till today the Portuguese residence programme is still open for investors, without the option to invest in real estate. In order to be eligible to apply for the Portuguese Golden Visa, applicants are now required to invest at least €500,000 in a private equity fund prior to the submission of the application.
As a result, Malta presents the best alternative to Portugal’s golden visa programme for a number of reasons.
Comparison: Malta Golden Visa – Portugal Golden Visa
As a Schengen & EU member, Malta’s residence by investment programme has been a popular alternative for non-EU nationals seeking a safe European country which is centrally located in the Mediterranean Sea, making it an ideal base for travelling. Malta is also part of the Commonwealth as it was a colony of the UK until 1964. As a result Malta has two official languages, Maltese and English, making it effortless to communicate with locals on the island or in the instance of full relocation to Malta. Below you can find the main differences between Permanent Residency in Malta – Golden Visa in Portugal.
Malta requires investment only on approval of the PR Application
One of the main differences between Malta and Portugal’s Golden Visa programme is that whilst in Portugal the investor would need to invest €500,000 in funds before the submission of the application, such investment is only required once the application is approved in Malta. In addition, Malta also grants the option to rent rather than purchasing a property.
The applicant is expected to visit Malta only on approval
Given that in Malta, the investor would need to rent or purchase a property only on approval, there is no requirement to visit before the issue of the letter of approval in principle. In fact, in Malta, the submission of the application is done by the licenced agent through a Power of Attorney. Once the letter of final approval is issued, the applicant would be invited to visit Malta in order to take photos and fingerprints for the residence card to be issued. In Portugal, the applicant would need to visit the country at the outset in order to open a bank account and to make the initial investment in funds. Moreover in order to renew the residence card, the applicant would be required to visit Portugal for at least 7 days in the first year and 14 days in subsequent years.
Malta grants Permanent Residence status immediately compared to a temporary residence permit issued in Portugal
The residence status issued by Malta under the Malta Permanent Residence Programme is immediate permanent residence from day one. Malta issues two documents on approval, one being a certificate of permanent residence without an expiry date, and secondly a residence card which is issued for five years and renewable indefinitely. This means that with a Malta PR, families are given the right to reside in Malta indefinitely from the moment of issuance of the residence certificate. Portugal on the other hand gives a temporary residence permit which is initially issued for one year and then renewable for two-year periods. In order to maintain residency in Portugal the investor would need to spend at least 7 days in Portugal during the first year and 14 days during subsequent years.
Malta doesn’t require the purchase of a property. Rental of a Property is allowed to apply for Permanent Residence
In Malta, the applicant is given the option to rent OR buy a property. Only on approval, an investor under the Malta PR programme would need to purchase a residential property costing not less than €375,000 for a property located in Gozo or Malta. Alternatively, the applicant would on approval be required to rent a residential property for not less than €14,000 annual rent for a property situated in Gozo or Malta. The applicant is required to keep the qualifying property only for 5 years, however in order for the residence card to be renewed, the applicant would still need to have a property rented or purchased in Malta, without satisfying the minimum thresholds..
Malta requires applicants to provide evidence that they are economically self-sufficient Unlike Portugal, in order to be eligible to apply for the Malta Golden Visa applicants would need to show possession of at least €500,000 worth of assets, out of which €150,000 shall be in the form of liquid assets such as money in a bank account or money invested in stocks or bonds. Applicants may alternatively opt to provide €650,000 in capital, with €75,000 of it needing to be in the form of financial assets. In Portugal, applicants are not asked to provide evidence of economic self-sufficiency.
Malta allows the inclusion of four family generations under one application
Under the MPRP, the main applicant may add in the same application the main applicant’s spouse in a monogamous marriage or in another relationship having the same or similar status to marriage; children (up to the age of 28) as long as they are not married and are still financially dependent on the main applicant, and parents/grandparents of both the main applicant and the spouse provided they are also financially dependent on the main applicant.
A special designated agency operates the Malta PR Programme
The Malta Permanent Residence Programme is administered by a designated agency called Residency Malta Agency with the sole responsibility to manage and promote Malta’s residence by investment programme. The Agency is also tasked to receive applications, to conduct due diligence on prospective applicants and to issue the residence cards and certificates. On the other hand the Portuguese Golden Visa Programme is administered by AIMA (Agency for Integration, Migration & Asylum) which is an agency responsible for all immigration matters in Portugal and for monitoring borders hence applications submitted under the Golden Visa programme are processed with other immigration programmes and not given a preferential treatment. As a result applications under Malta’s Golden Visa are processed within a six-twelve month period whilst applications under the Portugal’s Golden Visa sometimes take up to two years to be processed.
Requirements – Malta’s Golden Visa Programme
The Malta Permanent Residence Programme requires investors to satisfy three main requirements. The majority of the requirements are to be paid upon approval of the application. The three requirements are as follows:
1. Pay a one-time application fee to the Residency Malta Agency of €110,000 when renting a property or €80,000 if purchasing a property (An additional €10,000 government fee is due for each dependant included in the same application), and
2. Rent a property in Malta or Gozo for €14,000 per year OR purchase a property for €375,000, and
3. Pay a donation of €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic NGO.
From the above requirements, the applicant is only required to pay a non-refundable fee of €15,000 on submission of the application. What are the main benefits of obtaining residency in Malta?
Benefits of Obtaining Malta Permanent Residency
• Having the right to settle, reside and work permanently in Malta • Include all the family members in the application • Enjoy visa-free travel within the Schengen Area and the right to reside in Schengen countries for 90 days out of 180 days
• Malta has a Mediterranean climate with mild winters and hot summers • Cost of living in Malta is low compared to European countries with affordable housing, food and entertainment options • English is an official language in Malta, making it an attractive destination for English-speaking expats • Malta has a rich cultural heritage and is home to many historical sites and landmarks • Malta has a high quality of life with excellent healthcare, education and government services
Malta Permanent Residence Programme Application Process
The first step in order to apply for permanent residence in Malta involves the engagement of a licenced agent such as our firm with licence number AKM-ACCA. The applicant signs a Power of Attorney authorising the licenced agent to compile the documents and prepare the application forms for submission. An application is submitted by the licenced agent and the applicant is not required to be in Malta in order to submit an application. Once the required documents and application forms are submitted to the Residency Malta Agency, the applicant would need to pay a non-refundable government fee of €15,000, which is part of the final contribution. On receipt of the application and government fee, the Agency will start reviewing the application and conducting a due diligence exercise. Such process is expected to take 4-6 months, after which the letter of in principle approval is issued. Once the letter of in principle approval is issued the applicant is required to pay the remaining government fee, rent or purchase property and give a donation to charity. Once these requirements are fulfilled, the Residency Malta Agency issues a letter of final approval and the applicant would be required to visit Malta to give biometric data for the residence cards to be issued. Once this is done the applicant becomes a permanent resident of Malta for life.
Get in touch with us for more information about the Malta Permanent Residence Programme