Olive Tree Lane – Apartment 401

Introduction: The New Benchmark in Golden Visas 

In 2025, Malta officially redefined the Golden Visa landscape with the overhaul of its Malta Permanent Residency Programme (MPRP). While countries like Portugal, Greece, and Hungary face bureaucratic slowdowns, policy instability, or investor uncertainty, Malta has emerged as the most secure, fastest, and most transparent pathway to EU permanent residency. 

If you're a global investor, UHNWI, HNWI, or family office looking for a strategic EU foothold, the MPRP 2025 offers more than just residence: it offers control, permanence, and peace of mind. 

1. What Makes Malta’s MPRP 2025 Different?
   a. Fast-track Residency:

• Temporary residence cards are issued within weeks, allowing immediate Schengen access and legal presence in Malta. 

• No need to wait for full approval to start living, working, or traveling.
  
  b. Permanent Residency from Day One:

• Applicants receive a lifetime certificate with no renewal hurdles. 

• Only a biometric card is renewed every 5 years at a minimal cost of €27.50. 

• This is not a five-year visa disguised as permanence — it’s the real deal.
  
  c. Multi-generational Benefits:

• One application can include up to five generations: 

• Main applicant and spouse/partner 

• Parents and grandparents of either side 

• Children of the couple 

• Their spouses/partners 

• Grandchildren
  
  d. Transparent Pricing:

• Total base cost: €97,000 (plus property and legal fees) 

• No hidden renewals or unpredictable taxes post-approval 

2. Key Features at a Glance

3. Temporary Residency: Instant Peace of Mind

Thanks to L.N. 146 of 2025, the MPRP now includes a Temporary Residence Permit issued shortly after file submission. 

• Applicants can begin living, renting, enrolling children in school, and traveling through Schengen countries legally. 

• Similar fast-track models previously existed under the MIIP (citizenship-by-investment) but are now adapted for MPRP. 

Legal Basis: L.N. 146 of 2025 - Residency Malta Regulations Amendment 

4. Permanent Residency That Actually Means Permanent

Unlike other countries: 

• No renewal stress every 2 or 5 years 

• No performance or property reviews 

• No escalating investment obligations or political reinterpretation 

The only maintenance requirement? Renew your biometric card every 5 years and maintain valid health insurance. 

This predictability has become a rare premium in Europe’s volatile migration market. 

5. Investment Options: Real Assets, Not Risky Funds

You don’t have to gamble on a government-approved real estate fund with unclear liquidity. 

Instead, choose between: 

• Renting: €14,000/year minimum 

• Buying: €375,000+ value minimum 

New rules allow: 

• Rental + Promise of Sale Agreement for purchase (flexible entry) 

• Ability to monetize property with potential new revenue allowances 

Read this blog article for more insights. https://www.endevio.com/en/insights/malta-luxury-real-estate-residency-strategy-hnwis-uhnwis 

6. Multi-Generational Inclusion: 5 in 1

No other Golden Visa includes so many family members: 

• Main applicant & spouse/partner 

• Parents & grandparents 

• Children & their spouses 

• Grandchildren 

While each additional adult pays a €7,500 fee, the cost savings over separate EU applications are immense. 

7. Due Diligence & Compliance

Malta’s MPRP follows: 

• EU AMLD6 (Anti-Money Laundering Directive) 

• Oversight by the Financial Intelligence Analysis Unit (FIAU) 

• Background checks from global databases, INTERPOL, and private security partners 

Reputation risk is near zero for legitimate investors. 

8. Taxation & Financial Flexibility

Malta is not a tax haven — but it is a tax-efficient jurisdiction. 

• Non-domiciled regime: foreign income not remitted to Malta is not taxed 

• No inheritance, estate, or wealth tax 

• 80+ double tax treaties (including with US, UK, China, India) 

• Medical insurance costs: ~€400-€600 per adult 

Read our full Malta Tax Strategy Guide  

9. Strategic Advantages Over Other EU Programmes

Malta stands alone for long-term trust, legal durability, and clear ROI. 

10. Who Should Apply?

• HNWI entrepreneurs and business owners 

• Families seeking EU access without citizenship obligations 

• Asset planners seeking multi-generational legacy options 

• Investors priced out of London or Paris looking for a Mediterranean base 

11. Common Questions Answered

Is physical presence required? 

• No annual minimum stay requirements. 

Can I apply remotely? 

• Yes, except for biometrics (in-person or via selected embassies). 

Is dual residency allowed? 

• Yes. Residency in Malta doesn’t affect other nationalities. 

Can I apply for citizenship later? 

• Yes, after 5 years of physical residence under naturalisation law (not via this programme). 

12. Strategic Use Cases

Case 1: Indian tech founder expands EU operations via Malta base. 

 Case 2: American family seeks stable EU status amid local instability. 

 Case 3: South African HNWI relocates assets to Malta for estate planning. 

13. How Endevio Can Help

Endevio is an authorised licenced agent for Malta’s MPRP programme. We help: 

• Navigate application complexities 

• Ensure full document compliance 

• Strategically plan tax and estate structures 

In an increasingly unpredictable global landscape, Malta offers a rare combination of security, speed, and sovereignty. MPRP 2025 is not only the most powerful Golden Visa in Europe—it is the smartest path forward. 

Start your journey with Malta today. 

Book a consultation: Contact Our Experts 

Agenzija Endevio Ltd is authorized to act as an Accredited Agent by Agenzija Komunita Malta through license number AKM-AGEN