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Cash in on your UK Pension

28th March, 2015
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It is now much easier to buy your holiday or retirement home in Malta, thanks to the new laws relating you’re your pension pot!

As from 1st April, British nationals over 55 have the option of taking a number of smaller lump sums from their pension fund, meaning you will have more disposable income to buy your holiday or retirement home overseas!

As retirees, you now have greater access to your pension pot, as the first in a series of radical reforms announced in the chancellor’s budget last year which have now come into effect. In fact, all restrictions on access to your pension pot are being removed, with the tax on withdrawing a pension fund now reduced to your personal rate. This means that it is now easier to use your entire fund as best fits your needs. What’s more, 25% of the lump sum will be tax-free!

To top this up, Malta also offers a tailor-made residency package for EU pensioners or individuals nearing retirement age, offering substantial tax incentives, including a flat tax rate of 15% on all income remitted to Malta. Read more…

So if you are considering buying a property in Malta, either as a retirement or holiday home, or purely as an investment, it has never been a better time to do so. Why?

  • You can plan your pension pot more efficiently thanks to the new rules governing retirement pensions in the UK
  • You get more euros for your sterling
  • You get to enjoy great tax and financial incentives thanks to the Malta Retirement programme
  • You secure yourself a solid investment with a steady capital growth rate on property in Malta, averaging at 5% per annum, plus an average of 4% to 6% return if you also rent out your property when not in use!


Malta is an ideal place to take up retirement. Besides its pleasant climate, safe environment and hospitable English-speaking population, it offers a range of benefits to individuals seeking to acquire residence on the island, given its advantageous tax regime and competitive cost of living. If you would like to retire in Malta and spend the rest of your life on these peaceful islands, you may do so in one of these homes:


Now is the perfect time to invest in property in Malta. Over the last decade the country has seen a surge of interest in rental properties yielding a rental return between 4% – 7%. Many have seized this opportunity and invested in rental properties, and what started out in Sliema and neighboring towns, has now spread to cover most of the island. Localities like Swatar, Naxxar, Balzan, St Paul’s Bay and Mellieha are worth mentioning in the north. Here is a handpicked selection of properties which are ideal as rental investments:


Malta’s natural scenic wealth, its colourful culture and heritage, high standards of health, a most agreeable climate, political stability and the friendliness of its people have turned it into an all year round holiday destination. If you are looking for a holiday home in Malta, begin your search for the perfect home for you:

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