VIEN

Malta residency by investment

Introduction

The Malta residency by investment programme from Prosperous Living Investment (PLI) supports investors in obtaining permanent residency in Malta through the Malta Permanent Residence Programme (MPRP) — a pathway to EU residency and free movement within the Schengen Area.
Administrative contribution of €60,000, government contribution of €37,000, leasing or purchasing real estate in Malta, covering up to four family generations in a single application. Processing time of 6–12 months, with no requirement for permanent residence. MPRP does not automatically lead to citizenship; Maltese naturalisation is a separate procedure under Maltese law.
Introduction to Malta residency by investment

Programme Overview

Investment level

Administrative contribution of €60,000 + government contribution of €37,000 + NGO donation of €2,000. Property lease from €14,000/year or purchase from €375,000 (Malta or Gozo).

Processing time

6 to 12 months from the submission of a complete application. Receive a 1-year temporary residence permit as soon as the process begins.

Benefits

Permanent residency in Malta (EU) — free movement within the Schengen Area for up to 90 days in every 180 days, with the right to live, study, and work in Malta.

Residence requirement

No requirement for permanent residence in Malta. Only a residential address (rented or owned property) must be maintained throughout the duration of permanent residency.

Family

Includes up to 4 generations: spouse, unmarried children (no age limit if financially dependent), and dependent parents and grandparents.

Citizenship

The MPRP does not automatically lead to citizenship. Maltese naturalisation is a separate procedure that requires actual physical residence and meeting the requirements under Maltese law.

Benefits of Malta permanent residency

Permanent EU residence
Permanent residency in a European Union member state and the Schengen Area. Residence card renewed every 5 years, with no time limit on the right to reside.
Free movement in Schengen
Free movement throughout all 29 Schengen countries without a visa, for up to 90 days in every 180 days (excluding time spent in Malta).
EU citizenship pathway
The MPRP does not automatically lead to citizenship. Maltese naturalisation is a separate procedure that requires actual physical residence and meeting the requirements under Maltese law, at which point a Maltese (EU) passport offers visa-free access to over 180 countries.
Benefits of Malta permanent residency
4 generations of family
The only programme in Europe that includes up to 4 generations in one application: the investor, spouse, dependent unmarried children, and dependent parents and grandparents. Children who marry after receiving the card can also add their spouse.
Tax incentives
Malta does not tax foreign income not remitted to Malta (0% foreign capital gains tax). Over 70 double taxation treaties. Progressive income tax, corporate tax is 35% but with an effective tax refund mechanism.
Quality of life
Malta ranks in the Safe Haven 8 group — countries with the highest safety levels in the world. English is an official language, the climate is Mediterranean, and the healthcare and education systems are of high quality according to British standards.

Residency by investment pathway

Renting property

Renting property

Leasing property at a minimum of €14,000 EURO/year with a minimum 5-year lease contract. Total estimated cost from €169,000 EURO (€99,000 EURO in fees and contributions + €70,000 EURO for 5 years of rent). Suitable for investors seeking to optimize initial costs.
Property purchase

Property purchase

Purchase property for a minimum of €375,000 EURO in Malta or Gozo. Maintain the investment for at least 5 years, after which it can be sold and replaced with another property. Investors are entitled to rent out the property immediately to generate passive income.
Mandatory contributions

Mandatory contributions

In addition to property, the investor must pay: administrative fee of €60,000 EUR (€15,000 upon application, €45,000 after preliminary approval), government contribution of €37,000 EUR, NGO donation of €2,000 EUR, and €7,500 EUR for each dependent over 18 (excluding spouse). All contributions are non-refundable.

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Programme requirements

Lawful source of funds

Proof of the legal source of all investment capital and contributions. Proof of minimum net assets of €500,000 EUR (of which €150,000 EUR must be financial assets) or €650,000 EUR (of which €75,000 EUR must be financial). Maintain for the first 5 years.

Investment level

Administrative fee of €60,000 EURO + government contribution of €37,000 EURO + NGO donation of €2,000 EURO. Lease property from €14,000 EURO/year or purchase from €375,000 EURO (Malta or Gozo). Maintain the property for a minimum of 5 years.

Health insurance

The investor and all dependents must have health insurance in Malta, covering at least €30,000 EUR/year, equivalent to the level of insurance for Maltese citizens.

Licensed agent

MPRP applications must be submitted through an agent licensed by the Residency Malta Agency. PLI coordinates with a licensed agent in Malta to represent the investor throughout the entire process.

Education and language

No requirement for English proficiency, academic qualifications, business experience, or maximum age limit. The investor must be 18 years of age or older.

Background

No criminal record. Not on any international sanctions list. Not currently under criminal investigation. Does not pose a threat to national security, public order, or public health. Never previously refused Malta citizenship.

Implementation process

Obtain Malta permanent residency for the whole family with the team of experts at Prosperous Living Investment.

Consultation and selection

PLI specialists assess financial conditions, personal profiles, and family size. Consultation on choosing the most suitable investment form: renting or buying property in Malta. PLI connects with licensed agents and reputable real estate partners in Malta. Duration: 2–4 weeks.

Prepare documentation and submit application

PLI works with licensed agents in Malta to prepare the application file, including proof of legal source of funds, net worth, health insurance, and supporting documents. The application is submitted to the Residency Malta Agency with an administrative fee of €15,000. A 1-year temporary residence permit is issued immediately after passing the preliminary check. Timeline: 4–8 weeks.

Approval and certification

The Residency Malta Agency conducts a 4-tier due diligence process, verifying background and financial sources. Upon receiving the Letter of Approval in Principle, the investor pays the remaining administrative fee of €45,000. Timeline: 4–6 months.

Provide biometrics and receive residence card

Complete the rental or purchase of a property, pay the government contribution of €37,000, and make an NGO donation of €2,000. The investor and their family visit Malta to provide biometric data and receive the permanent residence certificate and residence card. Timeline: 2–4 weeks.

Apply for Malta citizenship (optional)

The MPRP does not automatically lead to citizenship. Maltese naturalisation is a separate procedure that requires actual physical residence and meeting the requirements under Maltese law. A Maltese (EU) passport offers visa-free access to over 180 countries.
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Effectiveness

There is no one-size-fits-all here. Prosperous Living builds a personal strategy for each file based on financial capacity, business experience and family goals. That strategic approach makes the best use of time and resources and improves the chance of success.

Transparency

Prosperous Living advises within the law, works to a clear process and keeps up with the latest policy from each host government. Every pathway, cost and risk is explained in detail from the outset, so clients can make their investment decision with complete peace of mind.

Professionalism

The Prosperous Living advisory team works to a standard process, coordinating closely between immigration specialists, legal experts and partners worldwide. From assessment and documentation to post-arrival support, every step is methodical and joined up.

Frequently Asked Questions (FAQs)

Below are common client questions regarding the Malta residency by investment programme. If you require more detailed advice, please contact us.
Frequently Asked Questions (FAQ)

If leasing property: estimated from €169,000 EURO (administrative fee of €60,000 EURO, government contribution of €37,000 EURO, NGO donation of €2,000 EURO, and 5-year rent of €70,000 EURO). If purchasing property: estimated from €474,000 EURO (purchase price from €375,000 EURO plus €99,000 EURO in mandatory contributions), excluding stamp duty and legal fees. All contributions are non-refundable; only real estate can be resold after 5 years. Programme conditions as announced by Residency Malta Agency.

Processing time is 6 to 12 months from the date of full application submission. However, the investor receives a 1-year temporary residence permit immediately after passing the preliminary check, allowing residence in Malta while awaiting official approval.

The MPRP covers up to 4 generations in one application: spouse, unmarried children (no age limit if financially dependent on the investor), and dependent parents and grandparents. Each dependent over 18 years old (excluding the spouse) incurs an additional €7,500 administrative fee.

There is no requirement for permanent residence. The investor only needs to maintain a residential address in Malta (rented or owned property). Malta allows for an absence of up to 6 continuous months or 10 months within 5 years.

MPRP permanent residents have the right to apply for a work permit in Malta under standard labour regulations. Investors may also own businesses and rent out properties to generate income.

The investor must maintain the qualifying property for a minimum of 5 years. After 5 years, it can be sold and replaced with another property (no value limit, provided there is an actual residential address in Malta). If renting, after 5 years, one may move to another property or sublet.

The MPRP does not automatically lead to citizenship. Maltese naturalisation is a separate procedure that requires actual physical residence in Malta and meeting the requirements under Maltese law. A Maltese (EU) passport offers visa-free access to over 180 countries.

Malta does not tax foreign income not remitted to Malta (0% foreign capital gains tax). There are over 70 double taxation avoidance agreements. There is no net wealth tax. Investors may enjoy special tax incentives depending on the investment structure and duration of residence.