Malta Retirement Programme

The Malta Retirement Programme (MRP) is a tax residency scheme designed for EU, EEA, Swiss, and non-EU nationals (excluding Maltese citizens) over 55, who are not in employment in Malta and rely on a pension as their primary income source. This programme offers a favourable tax rate of 15% on pension income remitted to Malta, with a minimum annual tax of €7,500 (plus €500 per dependant).

Key Benefits

Favourable tax rate of 15% on pension or foreign income remitted to Malta.
No tax on foreign income not remitted to Malta or on foreign capital gains (even if remitted).
Access to Malta’s high quality of life, with over 300 days of sunshine, crystal-clear seas, and a safe environment.
Freedom to travel within the Schengen Area (up to 90 days per year, averaged over 5 years).
Opportunity to reside in a member state of the European Union with a top-tier healthcare system (ranked 5th globally by WHO).
English as an official language, making integration seamless.
No minimum stay requirement, but must reside in Malta at least 90 days/year (averaged over 5 years) and not exceed 183 days in any other jurisdiction annually.

Malta Retirement Programme

Key Benefits

Favourable tax rate of 15% on pension or foreign income remitted to Malta.
No tax on foreign income not remitted to Malta or on foreign capital gains (even if remitted).
Access to Malta’s high quality of life, with over 300 days of sunshine, crystal-clear seas, and a safe environment.
Freedom to travel within the Schengen Area (up to 90 days per year, averaged over 5 years).
Opportunity to reside in a member state of the European Union with a top-tier healthcare system (ranked 5th globally by WHO).
English as an official language, making integration seamless.
No minimum stay requirement, but must reside in Malta at least 90 days/year (averaged over 5 years) and not exceed 183 days in any other jurisdiction annually.

Eligibility criteria

Be over 55 and not in employment in Malta.
Pension must constitute at least 75% of chargeable income, fully remitted to Malta (minimum €10,000/year, or €15,000 with a spouse).
Own a property worth €275,000 (Malta) or €220,000 (South Malta/Gozo), or lease for €9,600/year (Malta) or €8,750/year (South Malta/Gozo).
Possess stable resources to support self and dependants, with EU-wide health insurance.
Provide a police conduct certificate (issued within 6 months) and pass a fit-and-proper test.

Application Process

Application fee: €2,500 (non-refundable, covers applicant and dependants).
Processing time: 3–4 months, with residency initially valid for 1 year, renewable for 2-year periods.
Residency cards: €27.50/person, renewed every 5 years.
immVest International will guide you through due diligence, property acquisition, and compliance requirements.

Eligibility criteria

Be over 55 and not in employment in Malta.
Pension must constitute at least 75% of chargeable income, fully remitted to Malta (minimum €10,000/year, or €15,000 with a spouse).
Own a property worth €275,000 (Malta) or €220,000 (South Malta/Gozo), or lease for €9,600/year (Malta) or €8,750/year (South Malta/Gozo).
Possess stable resources to support self and dependants, with EU-wide health insurance.
Provide a police conduct certificate (issued within 6 months) and pass a fit-and-proper test.

Application Process

Application fee: €2,500 (non-refundable, covers applicant and dependants).
Processing time: 3–4 months, with residency initially valid for 1 year, renewable for 2-year periods.
Residency cards: €27.50/person, renewed every 5 years.
immVest International will guide you through due diligence, property acquisition, and compliance requirements.

Request

A Malta Retirement Programme Brochure

Discover how the Malta Retirement Programme allows you to enjoy your golden years in one of Europe’s most desirable destinations. Benefit from a favourable 15% flat tax rate on your pension income, visa-free Schengen travel, a high-quality healthcare system, and a safe, welcoming environment. With Malta’s rich history, sunny climate, and vibrant community, this programme is ideal for retirees seeking comfort, culture, and peace of mind.

Complete the form below to receive a link to download the full brochure. Our team will also reach out to personally guide you through the next steps.

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