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Europe’s lowest-entry permanent residency, granted from day one. Zero minimum stay, four generations under one application, and a permanent EU base from €97,000.
Permanent EU residency from day one, zero stay requirement, and the broadest family coverage of any programme in Europe. The May 2026 shift in the Portuguese landscape made this case stronger than ever.
The lowest total government contribution of any EU permanent residency programme, unchanged whether you choose rent or purchase.
No physical presence required to obtain or maintain MPRP. The only mandatory visit to Malta is for the biometrics appointment.
The main applicant can include a spouse, children of any age (with conditions), and parents and grandparents on both sides under one application.
On 3 May 2026, Portugal’s President signed a revised Nationality Law that roughly doubled the citizenship timeline to ten years for most non-EU applicants. Portugal remains an excellent programme for those whose goal is an EU passport. But for the investor whose goal is a permanent EU base, fast and with zero stay obligations, Malta is now the clearest answer in the market.
| Portugal Golden Visa | Malta MPRP | |
|---|---|---|
| Minimum entry | €500,000 fund (or €325k via Holborn routes) | €97,000 + property obligation |
| Status granted | 2-year renewable permit | Permanent residency on approval |
| Minimum stay | 7 days per year | Zero days per year |
| Processing | 12+ months (AIMA portal) | 4 to 6 months |
| Citizenship path | 10 years (most), no relocation required | 12 months continuous + 4 years cumulative physical stay |
| Family coverage | Spouse, children, parents | Four generations, including grandparents on both sides |
| Best when your goal is | An EU passport without relocation | A permanent EU base, fast, low-cost, effective |
Sources: Residency Malta Agency, MPRP Regulations (SL 217.26 as amended by Legal Notice 146 of 2025). Portugal Nationality Law, signed 3 May 2026. Figures and processing times are indicative and subject to change.
The Malta Permanent Residence Programme (MPRP) is Malta’s flagship residency-by-investment offering. Launched in 2021 and substantially overhauled under Legal Notice 146 of 2025, it now grants permanent EU residency to non-EU nationals who make a defined government contribution, hold a qualifying Maltese property for five years, and pass rigorous due diligence checks.
In one sentence: permanent EU residency on day one, no minimum stay, four generations covered, with a government contribution that is the same whether you rent or buy.
On 1 July 2025, the Maltese government overhauled the programme. The principal changes made it cheaper, faster, and more flexible. A temporary residence permit is now issued immediately after submission, allowing clients to access Malta and the Schengen Area before their permanent card arrives. The main-applicant cost was unified at €97,000 regardless of whether you rent or purchase. Spouse and minor children now carry no separate fee. Adult dependants dropped from €10,000 to €7,500 each. And purchased qualifying property can now be let on short-term terms when the applicant is absent.
Not provisional. Permanent from the moment the Agency approves the application.
Live anywhere in the world. Malta is a base, not a relocation.
Travel freely across 29 Schengen countries from day one, without a visa.
Spouse, children (with conditions), parents, and grandparents on both sides under one application.
No language requirement for MPRP. No integration assessment. No language test at any stage.
Rent from €14k per year or purchase from €375k. Purchased property can be let short-term immediately.
A one-year renewable permit is issued after the €15k admin fee and initial checks, before final approval.
Malta permanent residency continues indefinitely on card renewal, with no property obligation after the five-year hold period ends.
EU member since 2004. Schengen since 2007. Euro since 2008. English as an official language. Mediterranean climate. A small country with an outsized strategic profile.
Malta is an island nation of 316 km² positioned at the centre of the Mediterranean, roughly equidistant between Europe and North Africa. Its capital, Valletta, holds UNESCO World Heritage status. Seven thousand years of continuous habitation left a layered cultural identity that blends Maltese, Arab, Norman, Spanish, and British influences. Two hundred years of British presence shaped the legal system, education, and the second official language.
EU membership since 2004 places Malta inside the world’s largest single market. Schengen membership means its residents travel freely across 29 countries. The euro is the official currency. The legal system is a well-established hybrid of common law and civil law, with independent courts and stable institutions.
Who qualifies, who does not, and what every approved applicant must satisfy to receive and maintain a permanent residence card.
€97,000 total. €15,000 on submission, €82,000 post-approval. The same whether you rent or purchase.
€2,000 to a registered Maltese NGO supporting cultural, sporting, environmental, or animal welfare causes.
Rent from €14,000 per year or purchase from €375,000, held for a minimum of 5 years post-approval.
A policy covering Malta and the EU, maintained throughout residency. Minimum €100,000 coverage.
€14,000/yrMinimum, anywhere in Malta or Gozo
€375,000+Minimum, held for 5 years
Every component broken out clearly. Recoverable versus non-recoverable. What goes to the government, the charity, and the property, and what is quoted separately.
| Component | Amount | When due | Recoverable? |
|---|---|---|---|
| Admin fee + government contribution (main applicant) | €97,000 | Staged | No |
| Instalment 1 — on submission | €15,000 | Within 1 month of submission | No |
| Instalment 2 — post-approval | €82,000 | After approval in principle | No |
| Charity donation (registered Maltese NGO) | €2,000 | Post-approval | No |
| Residence card fee, per applicant | €500 | At card issuance | No |
| Spouse and minor children | Free | n/a | n/a |
| Adult child, parent, or grandparent (each) | €7,500 | Post-approval | No |
| Qualifying property — rent option | €14,000 p.a. × 5 years = €70,000 | Annual | No |
| Qualifying property — purchase option | From €375,000 | Post-approval | Yes — asset retained |
| Health insurance (indicative, per year) | From €1,500 | Annual | No |
| Professional and legal fees | Quoted separately | By agreement | No |
Main applicant, spouse, and two minor children. Post-July 2025 framework. Both routes lead to the same permanent residence card.
Family of 4 · Rental route · 5-year hold
| Minimum rental (€14,000 × 5 years) | €70,000 |
| Government contribution (main applicant) | €97,000 |
| Residence card fees (€500 × 4) | €2,000 |
| 5-year annual reporting declaration | €1,000 |
| Global health coverage (approx.) | €1,400 |
| Charity donation | €2,000 |
| Subtotal post-approval | €173,400 |
Rental cash is spent at the end of the 5-year hold. No asset retained. Professional and legal fees quoted separately.
Family of 4 · Purchase route · 5-year hold
| Qualifying property (minimum) | €375,000 |
| Government contribution (main applicant) | €97,000 |
| Residence card fees (€500 × 4) | €2,000 |
| 5-year annual reporting declaration | €1,000 |
| Global health coverage (approx.) | €1,400 |
| Charity donation | €2,000 |
| Subtotal post-approval | €478,400 |
€375,000 preserved as a property asset. Eligible for short-term lettings from day one under July 2025 rules. Professional and legal fees quoted separately.
Notes: Spouse and minor children carry no separate fee under the post-July 2025 rules. Each adult dependant carries €7,500. Health insurance is approximately €350 per applicant per year. Professional and legal fees are quoted separately based on family composition and case complexity.
From the day you decide to engage to the day a permanent residence card is in your hand. Four stages, typically four to six months under the July 2025 rules, with some files extending to seven.
Month 1 · 3 to 4 weeks
Initial consultation, KYC checks, agreement signed. Compilation of the full application pack: forms, KYC documents, source-of-funds documentation, and certified copies. Optional visit to Malta to meet a local GP, notary, and view properties.
Month 2 onwards · 3 to 4 months
€15,000 initial admin fee paid. Application pack formally submitted by the appointed agent. One-year temporary residence permit issued. Agency begins due diligence, background checks, and case review.
Month 5 to 6 · 3 to 4 weeks
Letter of approval in principle received. Remaining €82,000 paid. Charity donation of €2,000 made. Rental contract signed or property purchase completed. Health insurance policy taken out. Proof of all obligations submitted to the Agency.
1 to 2 weeks after biometrics
Letter of final approval and Certificate of Residency issued. Every approved applicant visits Malta for the biometrics appointment. Permanent residence cards issued. Card valid for 5 years, renewable while property and insurance obligations are in place.
Personal documents (per applicant)
Financial documents (main applicant)
All non-Maltese documents must be apostilled (Hague Convention countries) or legalised through both the issuing country and the Maltese consulate. Your Holborn adviser will confirm the exact list at the engagement stage.

Thirty minutes, free of charge, no obligation. We will map your timeline, your investment route, and the exact next steps for your family.
The questions every serious investor asks before committing capital. Direct answers, no spin.
No. There is no minimum-stay requirement to obtain or maintain MPRP. The only mandatory presence in Malta is for the biometrics appointment, required once at card issuance for every approved applicant. The residence card is valid for five years and renewable, provided programme requirements continue to be met. (Source: Residency Malta Agency.)
Typically 4 to 6 months from submission of the full application to approval in principle, with some files extending to seven months. Card issuance follows within one to two weeks of fulfilling the obligations and attending the biometrics appointment. Under the July 2025 rules, a one-year temporary residence permit is issued after the initial €15,000 admin fee and background checks, so you are not without status during the Agency review period.
Yes. The main applicant can include: a spouse or life partner; children under 18; financially dependent unmarried children over 18; adult children with a certified disability; and dependent parents, grandparents, parents-in-law, and grandparents-in-law on either side, with no upper age threshold. Dependency must be properly evidenced. Spouse and minor children carry no separate fee under the post-July 2025 rules. Each adult dependant carries a €7,500 fee.
Yes, provided they can demonstrate principal dependency on the investor at the time of application. An affidavit of dependency signed by the main applicant, supported by evidence of financial support, is required. A medical certificate may also be requested for dependent parents or grandparents depending on the case.
No. MPRP grants permanent residency, not citizenship. Ordinary naturalisation under Maltese law requires twelve months of continuous physical residence in Malta immediately before the application, plus at least four cumulative years of physical residence in the six years preceding that, alongside adequate Maltese or English, good character, two sponsors, and ministerial discretion. Holding MPRP without spending substantial time in Malta does not, on its own, qualify you for naturalisation. The July 2025 reforms also introduced a separate Citizenship by Merit route, assessed case by case.
It depends on your capital position and investment objectives. If you rent, you commit €14,000 per year for five years (€70,000 total), and that cash is gone at the end of the hold. Your total non-recoverable outlay is lower. If you purchase, you commit a minimum of €375,000 in property capital you continue to own. Under the July 2025 rules, purchased qualifying property can be let on short-term terms when you are not present, generating rental income during the hold period. After five years, you are free to sell or retain the property.
The qualifying property obligation is released. You are no longer required to retain the original qualifying property, but you must continue to hold a residential address in Malta or Gozo and maintain valid health insurance. Permanent residency itself continues indefinitely, subject to the standard five-year card renewal. The residency does not expire and is not subject to a new investment obligation after the hold period.
Not automatically. The MPRP card does not by itself confer the right to take up employment in Malta. A separate Employment Licence from Jobsplus is required. As a permanent resident, the process is generally more straightforward than for new arrivals. Self-employment through a Maltese company is relatively simple to set up, with the standard authorisations required. The MPRP card also does not grant automatic work rights in other EU member states — a separate work permit in the destination country is needed there.
No. There is no language requirement at any stage of the MPRP application. A language assessment (Maltese or English) applies only to ordinary naturalisation, which is a separate and much later process. If you are not pursuing citizenship, language is not a factor at all.
Not if you are from a currently sanctioned jurisdiction. Nationals of Afghanistan, North Korea, Iran, the Democratic Republic of Congo, Somalia, South Sudan, Sudan, Syria, Yemen, and Venezuela are not eligible. Applications from the Russian Federation and the Republic of Belarus are also not currently accepted. The list is reviewed periodically by the Residency Malta Agency. Always verify the current position at the time of engagement.
Professional and legal fees are quoted separately based on family composition and case complexity. They cover case preparation, due diligence, liaison with the Residency Malta Agency, and compliance support through to card issuance. Book a call with us to discuss your situation and receive a tailored quote.
Every situation is different. The best decisions begin with a clear, honest conversation about yours. Thirty minutes, no obligation, mapped to your family and your timeline.