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The Malta Retirement Programme (MRP)

Malta Permanent Residence Programme (MPRP)

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The Malta Retirement Programme (MRP)

Malta’s allure as a retirement destination knows no bounds, welcoming individuals of all ages to embrace its charm and tranquillity. The Malta Retirement Programme (MRP), established in 2012, serves as a beacon of opportunity for EU, EEA, or Swiss nationals relying on pensions, retirement schemes, or similar investments as their primary income source. Coupled with an enticing tax structure, the MRP offers a seamless transition into a retirement haven.


Tax Benefits and Financial Considerations

Foreigners residing in Malta benefit from a favourable tax regime, where taxation is only applied to Maltese-derived income and overseas income remitted to Malta. There are no taxes on worldwide income, property, or wealth, fostering financial peace of mind.

Capital Gains tax exemptions apply to the sale of the main residence if owned and occupied for the preceding three years.

Double taxation protection is ensured through agreements with numerous countries worldwide, preventing income from being taxed twice.

Certain foreign earned income, including dividends, interest, and royalties remitted to Malta, may qualify for reduced tax rates or exemptions, particularly in the realms of private pensions and capital gains.

Application Requirements

Applications must be submitted by an Authorised Registered Mandatory, ensuring compliance with program regulations.

Upon receiving a Registration Certificate, applicants can proceed to apply for tax status within the Malta Retirement Programme, benefiting from a favourable 15% tax rate.

Qualifying Criteria

Eligible applicants hail from EU or EEA countries, including Norway, Iceland, Liechtenstein, or are Swiss nationals.

Participants in the MRP must not reside in any other country for more than 183 days annually and must maintain residence in Malta for a minimum of 90 days per year, averaged over a five-year period.

Property ownership or rental in Malta or Gozo is a requirement. For property purchases, minimum values stand at €275,000 for Malta and €250,000 for Gozo. Rental properties must meet minimum annual values of €9,600 for Malta and €8,750 for Gozo, with a minimum lease term of one year, supported by a lease agreement.

Embark on your retirement journey with confidence through the Malta Retirement Programme. Connect with Sara Grech today for personalised guidance and expert assistance in realising your retirement dreams in Malta.

Any questions?

We are more than happy to answer any further questions you may have.