A Guide to Malta’s Golden Visa Programme: Unlocking Property Investment Potential and Residency Benefits


As an enchanting Mediterranean island with a favourable climate, rich cultural heritage, and robust economy, Malta continues to captivate the interests of property investors from around the globe. One of the most notable incentives attracting international investors is the Malta Golden Visa Programme (officially known as the Malta Residence and Visa Programme), which offers residency rights to non-EU individuals and their families in exchange for property investment and a financial contribution to the island’s development.

Since its inception, the Golden Visa Programme has successfully contributed to the growth and diversification of Malta’s property market, with both investors and the island reaping the rewards. At Malta Property, we have been diligently assisting our clients in exploring these unique investment opportunities and unlocking the potential benefits of the Golden Visa Programme for almost three decades.

In this informative blog article, we delve into the world of Malta’s Golden Visa Programme, providing a comprehensive overview of the programme’s benefits, requirements, and process. Our expert guidance will empower you with a clear understanding of how property investment in Malta can pave the way for residency rights and open up a wealth of opportunities for you and your family. By examining the intricacies of the programme and sharing our insights into Malta’s thriving property market, we aim to equip you with the knowledge and confidence needed to navigate the journey towards obtaining a Malta Golden Visa successfully.

1. Benefits of the Malta Golden Visa Programme

The Malta Golden Visa Programme offers a range of advantages for investors seeking to tap into the island’s potential, which include:

  • Residency rights: Obtaining a Malta Golden Visa grants non-EU nationals and their families the right to reside in Malta, with the possibility of applying for permanent residency or citizenship further down the line.
  • Visa-free travel: Golden Visa holders can enjoy visa-free travel within the Schengen Area, providing ease of access to an array of European countries without the need for additional visas.
  • Favourable tax system: Malta offers a host of tax benefits, including advantageous tax rates for foreign investors, as well as exemptions and refunds for certain categories of income.
  • Stability and security: Malta boasts a stable political climate, a strong economic outlook, and one of the lowest crime rates in the European Union, making the island an attractive destination for investment and residency.

2. Investment Requirements and Eligibility Criteria

To be eligible for the Malta Golden Visa Programme, applicants need to meet specific investment and contribution requirements:

  • Property investment: Applicants must invest in either purchasing or renting a residential property in Malta. The minimum investment required for property purchase is €290,000 for properties in Gozo or Southern Malta or €320,000 for properties located in Central and Northern Malta. Alternatively, applicants can opt for a rental property with a minimum annual lease of €10,000 for properties in Gozo or Southern Malta or €12,000 for properties in Central and Northern Malta.
  • Financial contribution: A one-time, non-refundable contribution to the Maltese government is required, ranging from €28,000 to €38,000, depending on the applicant’s choice of property investment.
  • Applicant eligibility: Applicants must be non-EU nationals who hold a valid travel document, and must possess adequate health insurance coverage for themselves and their dependents. Additionally, they should be deemed financially self-sufficient and have no criminal record.

3. Application Process and Timeline

Navigating the Malta Golden Visa Programme’s application process requires a clear understanding of the steps involved:

  • Preliminary assessment: The first step is to work with a reputable real estate agency, such as Malta Property, to explore suitable property investment options. We will help you in selecting an ideal property in line with the programme’s requirements.
  • Application submission: With the assistance of a qualified agent or accredited person, applicants must submit the necessary forms, documentation, and investment proofs to Malta’s Residency Malta Agency (RMA). Application fees will also need to be paid at this stage.
  • Evaluation and review: The RMA will evaluate the application and conduct a thorough due diligence process to verify the authenticity of the applicant’s documents and background.
  • Approval and investment: Once the RMA approves the application, the applicant will be required to finalise their property investment and make the mandatory non-refundable financial contributions to the Maltese government.
  • Visa issuance: Upon completion of all requirements, the Malta Golden Visa will be issued, granting the applicant and their family the right to reside in Malta.

The application process typically takes between 4 and 8 months from submission to visa issuance.

4. Successful Integration and Maximising the Benefits

Successful integration into Malta’s community and culture is crucial for Golden Visa holders to maximise the programme’s benefits:

  • Learning the local language: While English is widely spoken in Malta, learning Maltese can further enhance everyday interactions and facilitate immersion into the local community.
  • Embracing Maltese culture: To fully realise your residency experience, it is essential to explore and appreciate Malta’s rich cultural heritage, including its art, music, history, and cuisine.
  • Networking with locals and expats: Establishing connections with both local and expat communities is crucial for enhancing your personal and professional life in Malta.


The Malta Golden Visa Programme offers an array of opportunities for non-EU investors seeking residency benefits, combining property investment with an avenue to access the rich and vibrant life that the island has to offer. By participating in this programme, you can secure a residency that provides an exceptional quality of life for yourself and your family while also witnessing the growth and potential of Malta’s thriving property market.

At Malta Property, we possess the extensive knowledge and experience to guide you through the entire Golden Visa process, assisting you in finding the perfect property in Malta and ensuring compliance with the programme requirements. Trust in our ability to support you in your Golden Visa journey, helping you to unlock the myriad opportunities and benefits that this exceptional programme provides.

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