Moving to Malta

Malta offers a high-quality European standard of living, excellent education, a relaxed pace of life, and a uniquely safe environment. The country is home to a multilingual and welcoming population. As a full member of the European Union and the Schengen Area, Malta also benefits from seamless travel within Europe and operates on Central European Time.

Pros and Cons of Moving to Malta

Moving to Malta can be an exciting adventure, but it's important to weigh the pros and cons before making the decision.

Pros: Mediterranean climate

One of the biggest advantages of moving to Malta is its beautiful Mediterranean climate. With over 300 days of sunshine a year, you can enjoy outdoor activities almost year-round. The island's rich history and culture are also major draws, with numerous historical sites, museums, and festivals to explore. Additionally, Malta's strategic location in the Mediterranean makes it a great base for traveling to other European countries with daily flights being offered to all major European capitals and also a number of Non-EU destinations such as the UAE, Turkey and Qatar.

Pros: Beneficial tax rates

Another benefit of moving to Malta is the beneficial tax rates that are offered via certain residence programmes such as the Global Residence Programme for non-EU nationals, and The Residence Programme for EU nationals. Moreover, all Malta residence options would allow the applicants to relocate to Malta and also permission to travel freely to the Schengen Zone.

Things to consider

While Malta offers many benefits, there are a few practical aspects to keep in mind. As a small island, Malta can feel busy during the peak tourist season, particularly in more popular areas. Traffic can be a challenge at times, and while public transport is available, it may not always meet everyone's expectations, though ride-hailing services and car-sharing options such as Bolt, Uber and ecabs are increasingly popular alternatives.

Maltese is the national language and part of the local cultural identity, and while English is an official language and widely spoken, learning a few phrases in Maltese can go a long way in integrating and connecting with the local community.

Overall, Malta offers a rewarding lifestyle with its own unique rhythm. Understanding both the opportunities and practical realities can help you make an informed and confident move.

Cost of Moving to Malta

The cost of living in Malta is generally moderate by European standards, though it can vary depending on your lifestyle and where you choose to live. Rent is often the largest expense with central and coastal areas like Sliema, St. Julian’s, and Valletta tend to be more expensive, with one-bedroom apartments typically ranging between €1,000 and €1,500 per month. More affordable options can be found in quieter towns or inland villages, where rents may fall below €900.

Groceries are reasonably priced, especially when shopping at local markets or discount supermarkets. A weekly shop for two people usually costs between €60 and €100. Fuel prices are in line with the EU average, and although Malta’s compact size means shorter travel distances, traffic congestion can increase travel time. Public transport is relatively affordable, with monthly bus passes for residents priced at around €26.

Dining out is a popular part of life in Malta, with options ranging from casual cafes to upscale restaurants. A meal for two at a mid-range restaurant typically costs around €50 to €70, while more budget-friendly meals are widely available for €10 to €20 per person.

Moving to Malta as an American Citizen  

Moving to Malta as an American citizen offers a smooth transition, thanks to the widespread use of English, strong political stability, and a welcoming European lifestyle. As English is an official language in Malta, day-to-day life, work, and integration are straightforward for U.S. nationals. The country’s stable legal and financial systems, along with its EU and Schengen membership, make it a secure and strategic base in Europe. Americans currently rank as the leading applicants for European residence and citizenship programmes, and Malta remains a top choice for those seeking a safe, well-connected, and high-quality European lifestyle.

Moving to Malta from the UK

Moving to Malta from the UK after Brexit presents a unique set of opportunities for British nationals seeking European residence or citizenship. Brexit has altered the landscape for UK citizens seeking to relocate within the European Union, making Malta an attractive destination due to its favourable climate, English-speaking population, and robust financial sector.

One of the primary considerations for UK citizens moving to Malta is the change in residency requirements. Post-Brexit, UK nationals are no longer EU citizens, which means they must navigate new immigration rules. Malta offers various residency options, including the Global Residence Programme, the Retirement Programme and the Malta Permanent Residence Programme, which cater for non-EU nationals.

The economic implications of Brexit have also influenced the decision to move to Malta. The island nation boasts a stable economy, with sectors like finance, gaming, and tourism thriving. Additionally, Malta's strategic location in the Mediterranean makes it an ideal travel hub for UK expats.

Overall, moving to Malta from the UK after Brexit requires careful planning but offers a promising new chapter for those seeking a change.

Moving to Malta from Canada

Moving to Malta from Canada involves several immigration considerations. Canadian citizens can enter Malta visa-free for short stays of up to 90 days, but if you plan to stay longer or relocate permanently, you’ll need to apply for the appropriate residence permit. This typically involves providing proof of financial stability, valid health insurance, accommodation, and a clean criminal record. If you're relocating for work or study, you’ll also need to submit supporting documents such as an employment contract or enrolment letter.

Malta offers a variety of residence pathways, including the Malta Permanent Residence Programme (MPRP), which provides lifetime European permanent residency and visa-free access to the Schengen Area. Selecting the right permit depends on your personal circumstances, and it’s important to understand the eligibility criteria and long-term benefits of each option.

Canadian nationals with Maltese ancestry are encouraged to check whether they may qualify for citizenship by descent, which could provide a direct route to Maltese (and EU) citizenship.

Engaging experienced immigration advisors or legal professionals can help streamline the process and ensure your relocation is handled smoothly. While moving to Malta from Canada requires planning and compliance with immigration laws, the high quality of life, Mediterranean climate, and English-speaking environment make it a rewarding choice.

Moving to Malta for Retirement

Malta is an increasingly popular retirement destination, offering a mild Mediterranean climate, a relaxed pace of life, excellent healthcare, and an English-speaking environment. For EU/EEA nationals, retiring in Malta is relatively straightforward, since freedom of movement within the EU allows for residence without the need for a visa, although retirees are still required to register their stay and meet basic requirements such as healthcare coverage and proof of sufficient financialmeans.

Malta Retirement Programme

Non-EU nationals can also retire in Malta through specific residence routes. One of the most attractive options is the Malta Retirement Programme (MRP), designed for third-country nationals who wish to settle in Malta and enjoy their retirement in a safe and sunny environment. The MRP offers a special tax status with a flat 15% rate on foreign income remitted to Malta, subject to a minimum tax and certain eligibility criteria, including owning or renting qualifying property and proving stable income.

In addition to the MRP, non-EU nationals may explore other residence options such as the Malta Permanent Residence Programme (MPRP) or the Global Residence Programme (GRP), depending on their circumstances and preferences. Regardless of the route chosen, Malta offers retirees a secure, vibrant, and culturally rich environment, with excellent connectivity to the rest of Europe and beyond.

Together with the immigration team, our tax advisors assist persons wishing to relocate and retire to Malta on the appropriate tax residence scheme and how to favourably manage their tax liability in the international context. This increases in importance when deciding on where to invest the later years of one’s life.

Our lawyers advise and represent clients on the purchase or rental of a home in Malta ensuring that all legal formalities are carried out to give them the necessary peace of mind when it comes to investing hard-earned money in a foreign country.

In addition, our relocation assistants will be able to facilitate your transition to Malta, helping with driving licences, residence cards, registration for utilities, importation of personal effects and any family pets, and formalities related with the relocation to Malta.

Finding a home in Malta

Relocating to Malta offers a wide range of housing options to suit different lifestyles, budgets, and tastes. Whether you’re looking for a sleek, modern apartment by the coast, a traditional Maltese townhouse, or a rustic farmhouse in the countryside, Malta has something to offer.

Valletta, the capital city and a UNESCO World Heritage Site, is ideal for culture lovers and history enthusiasts. Its charming streets are filled with architectural gems, museums, theatres, and fine restaurants. While living in Valletta puts you in the heart of the action, parking and limited residential space can be a challenge, making it more suitable for singles or couples without cars.

Sliema and St.Julian's are top choices among expatriates, digital nomads, and young professionals. These bustling areas offer modern apartments, international schools, shopping centres, gyms, coworking spaces, and a vibrant nightlife. Seafront promenades lined with cafes and restaurants create a lively yet relaxed atmosphere, ideal for coastal living.

For those seeking tranquillity and a more traditional Maltese lifestyle, central villages like Lija, Attard, and Balzan, often referred to as The Three Villages, offer a quieter setting with beautiful gardens, charming streets, and a strong sense of community. These locations are especially popular with families and retirees thanks to their central location and peaceful environment.

Buyers and renters can also explore other parts of the island, including the south for more affordable housing, or the sister island of Gozo, which is known for its rural charm, scenic views, and slower pace of life.

Whether you prefer an urban lifestyle or a quiet village retreat, finding a home in Malta is a rewarding process with plenty of variety. The island’s compact size means you’re never far from the sea, the airport, or major amenities.

Employment in Malta

Malta boasts one of the lowest unemployment rates in the European Union, making it an attractive destination for job seekers across various sectors. The country’s growing economy, particularly in industries such as financial services, iGaming, technology, healthcare, and tourism, offers a wide range of opportunities for both EU and non-EU nationals. Salaries in Malta are competitive, and many employers offer flexible working arrangements, including hybrid or fully remote options, especially in professional and digital fields.

English being one of Malta’s official languages simplifies workplace communication for international professionals, and the island’s multicultural environment ensures a smooth transition for newcomers entering the workforce.

Our team of specialised immigration lawyers can assist with obtaining the necessary employment documentation, including the Single Permit for third-country nationals, the Key Employee Initiative (KEI) for highly skilled workers, and other relevant work permits. Whether you’re relocating for a job offer or seeking employment in Malta, we can guide you through the legal and administrative process to ensure a smooth and compliant move.

How we can Help

Whatever the reason for moving to Malta, the team at Chetcuti Cauchi Advocates assists individuals, families, graduates, company executives and high net worth individuals taking up residence in Malta.  We believe in adopting a holistic approach to cover all aspects of the move and relieve the client from the stress of abiding to statutory requirements. Assuming a personal approach, our award-winning team ensures that our clients are left at peace to concentrate on making Malta their new homestead. Get in touch with us today to learn more about moving to Malta.