Fact sheet · November 2026
Permanent residence in a neutral, stable EU member state for the whole family, including parents, with visa-free travel across Europe's Schengen Area.
Why Malta
Malta is the Mediterranean's best-kept secret. The European Union (EU) country has risen to be one of Europe's leading investment locations, driven by its reputation for stability, predictability, and security. The island nation's Mediterranean lifestyle makes it a desirable place of residence for wealthy individuals and families, and it is strategically located, with excellent sea and air links to Europe, Asia, and North Africa.
Key facts
- Minimum capital: EUR 500,000
- Qualifying property purchase: EUR 375,000
- Annual lease, for a minimum of five years: EUR 14,000
- Non-refundable administration fee: EUR 60,000
Key benefits
Schengen access
Visa-free access to all the countries in Europe's Schengen Area.
Right to settle
The right to reside, settle, and stay in Malta, an EU member state that is neutral, stable, and highly respected.
Three generations
Parents, a spouse, and children can be included in the main application.
Mediterranean lifestyle
A Mediterranean climate and a friendly local population.
Country profile
Population 588,000 Languages English and Maltese Economy Advanced and innovation- driven Currency Euro
Program overview
Capital of EUR 500,000, plus a qualifying property purchase or lease A government contribution and an administration fee are payable Freedom of travel to all of the EU and Europe's Schengen Area
Qualifying investment
Applicants show the required capital, secure a qualifying property and make the government payments.
Capital EUR 500,000 With at least EUR 150,000 in financial assets, or capital of at least EUR 650,000 with at least EUR 75,000 in financial assets.
Property purchase EUR 375,000 Minimum qualifying property purchase in Malta.
Property lease EUR 14,000 Per annum, for a minimum of five years, as an alternative to a purchase.
Government contribution EUR 37,000 Contribution to the Maltese economy, for a property that is purchased or leased.
Administration fee EUR 60,000 Non-refundable administration fee for the main application.
NGO donation EUR 2,000 Donation to a non-governmental organization.
Main applicant requirements
A minimum age of 18 years
No criminal record
Full medical insurance valid throughout the EU
An additional administration fee of EUR 7,500 applies for each dependent
other than the spouse and minor children.
Good to know
Applications are submitted to the Residency Malta Agency (RMA), which completes its own due diligence checks.
An optional temporary residence card can be obtained before
the residence application is submitted.
Residence cards are issued once the application is approved
and all requirements are fulfilled.
Your application journey
- Client contacts Phoenix Immigration Consulting Services
- Initial due diligence checks completed
- Client agreement signed and retainer paid
- Temporary residence card obtained (optional)
- Documents collected and application submitted to the RMA
- Due diligence checks completed by the RMA
- Application approved
- Requirements fulfilled, including EU-wide medical insurance
- Maltese residence cards (residence permit) issued
Program rules, government fees, processing times and visa-free access can change at any time. Figures are indicative as of November 2026; please confirm current terms with Phoenix Immigration Consulting Services before applying. This fact sheet is for general information and is not legal advice.