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Planning to move to Malta? Learn about visas, jobs, housing and relocation tips in this 2025 guide for professionals and families.
Malta has quietly become a hub not only for professionals, but also for families seeking Mediterranean living that is a more genuine and liveable experience. Its central position in the Mediterranean, robust digital infrastructure and English as an official language makes it particularly appealing to expats. Combined with favourable tax schemes and a stable economy, Malta presents an attractive proposition for those ready to start a new life in Europe.
Important groundwork to do before thinking of moving to Malta
Starting your Maltese journey from abroad smooths the transition and helps prevent delays.
Consider completing these steps before departure:
- Research visa requirements and timelines: identify the most suitable residency or work permit, note processing times (which can range from one to six months) and prepare all supporting documents, such as bank statements, employment letters and criminal record checks. Secure translations and apostilles where needed.
- Begin job hunting and networking early: set up a Maltese contact strategy via LinkedIn and industry forums, apply for positions remotely, join relevant expat and professional groups online and arrange preliminary interviews or introductory calls.
- Verify professional qualifications: if your career requires recognition (for example in healthcare, law or education), contact the Malta Qualifications Recognition Information Centre (MQRIC) to understand any exam, adaptation period or registration fees required.
- Open a Maltese bank account in principle: some banks allow non‑residents to start the application online. Having an IBAN ready can facilitate salary payments, rental deposits and utility setup immediately upon arrival.
- Research cost of living and budget accordingly: compile estimates for rent, utilities, groceries and transport in your preferred locality. Factor in one‑off moving costs such as shipping, storage or pet relocation fees.
- Organise international health insurance: ensure coverage commences on day one. Compare global plans that meet Malta’s minimum requirements for visa approval, then switch to local public healthcare once you register your social security.
- Line up temporary accommodation or virtual viewings: if you cannot view properties in person, ask agencies for video tours, floor plans and landlord references. Booking an Airbnb or serviced apartment for the first month gives you breathing space to finalise long‑term housing.
Understanding Malta’s residency and visa options
Before packing your bags you must choose the correct visa or residency scheme. Popular options include:
Nomad residence permit
Ideal for remote workers, this permit allows non‑EU nationals to live in Malta while working abroad. You must prove employment with a company based outside Malta or self‑employment for at least three months and show sufficient funds (around €2,700 per month) plus private health insurance.
Global residence programme (GRP)
Open to non‑EU nationals purchasing or renting property in Malta, the GRP grants the holder beneficial flat tax (minimum effective rate of 15 per cent) on foreign‑source income. To qualify you must either buy property (minimum value €300,000 inland or €350,000 on Gozo or in the south) or rent (minimum annual rent of €10,000 inland or €8,750 on Gozo and south).
Malta permanent residency programme (MPRP)
A fast‑track route to residency for high‑net‑worth individuals. You must contribute €28,000 to the national development fund, invest €250,000 in government bonds and hold property (purchase from €350,000 or rent from €10,000 per year). After under six months you receive a residency certificate valid for life.
Highly qualified persons rules
Targeted at professionals in financial services, gaming and aviation, this scheme grants a special tax rate of 15 per cent on qualifying income. You need an approved job offer with a minimum wage threshold of €30,000 (rising to €35,000 for family members).
Choosing where to live: how Frank Salt Real Estate can help
Finding the right home in Malta’s competitive market often requires local expertise. Frank Salt Real Estate, Malta’s leading property agency since 1969, offers:
- A comprehensive listings platform covering sales and rentals across Malta and Gozo
- Expert advice on property values in prime areas such as Sliema, St Julian’s, Balzan and Mellieha
- Assistance with residency programme requirements (eg verifying a rental contract meets GRP thresholds)
- Legal and administrative support from licensed agents
Whether you seek a seafront apartment in St Julian’s or a countryside villa in Gozo, Frank Salt’s network of branch offices and multilingual team can streamline viewings, negotiations and paperwork from the moment you arrive.
Navigating the housing market
Rental vs purchase
Rent is often the easiest entry point. In popular coastal towns such as Sliema or St Julian’s expect to pay €1,200 to €1,800 per month for a two‑bedroom apartment. Inland villages like Naxxar or Balzan usually command €1,000 to €1,400. If you plan to stay long term, purchase prices start at around €220,000 for a smaller apartment inland rising to €350,000 by the sea.
Stumbling blocks and how to overcome them
- Competition for good properties: join local Facebook groups, property portals like propertymarket.com.mt and register with two or three agencies simultaneously
- Legal complexities: instruct a Maltese lawyer to perform due diligence on titles and compliance with residency programme thresholds
- Deposit and guarantees: prepare three to six months’ rent plus two months’ deposit in advance to make your offer stand out.
Acquisition of immovable property permit (AIP)
Non‑EU nationals must obtain an AIP permit to purchase property in Malta. Applications are handled by the Malta Resources Authority and the Ministry of Finance. Key implications:
- Minimum purchase thresholds: property must be valued at least €275,000 on Malta or €220,000 on Gozo and in southern regions
- Permit fee: a one‑time fee of 5 per cent of the property’s market value, payable on approval
- Lease restrictions: long‑term leasing beyond 12 months requires separate ministerial consent and must conform to initial AIP conditions
- Holding requirements: while there is no mandatory ownership period, any subsequent sale or lease must comply with the original AIP permit terms
These regulations aim to ensure non‑EU investment in higher‑value properties and maintain market stability.
Finding your career path in Malta
Malta’s strong sectors for expats include:
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i-Gaming and technology
Home to over 300 gaming companies, Malta offers roles in software development, customer support and compliance. Salaries range from €24,000 for junior positions up to €60,000 for senior developers or compliance managers.
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Financial services
Banks, fund managers and fintech start‑ups regularly recruit accountants, auditors, risk analysts and compliance officers. Graduate roles begin at €20,000 rising to €50,000 for experienced professionals.
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Tourism and hospitality
Seasonal work in hotels and restaurants can start from €16,000 per annum plus tips. Management positions in leading hotels pay up to €35,000.
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IT and digital marketing
Demand for web developers, UX designers and digital marketers continues to grow. Expect salaries between €24,000 and €45,000 depending on experience.
Tactics for job hunting
- Online portals
- Jobsplus (the government employment agency)
- mt
- LinkedIn: crucial for networking and direct approaches
- Recruitment agencies
- Michael Page Malta
- Quad Consultancy
Networking and meet-ups
- Attend industry events at Malta’s tech hub ‘SmartCity’ or regular gaming conferences
- Join expat groups on social media for insider tips
Overcoming language barriers
- While English is widely used, learning basic Maltese can impress employers
- Offer to take on admin tasks or client communication in English initially
Understanding local employment and residency benefits
Once you hold a valid work permit or residency permit, you gain:
- access to Malta’s public healthcare system under Social Security contributions
- the right to free movement within the Schengen zone for short stays (up to 90 days in any 180‑day period)
- education access for children in state or subsidised schools, many of which use English as the medium of instruction
- entitlement to pensions and contributory benefits after sufficient Social Security contributions
For EU nationals the process is simpler: registering as a resident if staying longer than three months and obtaining a personal identification number (e‑residency card).
Overcoming common relocation challenges
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Visa processing times
Some schemes take up to six months. Submit a fully documented application and use accredited agents to avoid delays.
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High cost of rent near urban centres
Consider inland villages or Gozo for more affordable housing and commute by bus or car.
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Setting up utilities and services
Opening a bank account can require proof of address and a residency card. Opt for banks with English‑speaking branches such as HSBC Malta or Bank of Valletta.
Schools
State schools offer English‑based education but can have waiting lists. Consider private or church schools and apply early—Frank Salt can recommend schooling options in each locality.
Integrating and enjoying life in Malta
Beyond beach clichés, Malta offers:
- a calendar of cultural festivals from Valletta’s arts season to village festas that blend tradition with modernity
- a vibrant café culture in Pietà and Gzira, where co-working spaces cater to freelancers
- hiking and diving opportunities across the islands’ unique geology
Building community through clubs, sports teams and local volunteering can ease the transition and help you form friendships beyond your workplace.
Your move made manageable
Relocating to Malta demands careful planning around visas, housing and employment but delivers a rich lifestyle and a robust professional environment. By selecting the right residency scheme, using Frank Salt Real Estate to secure compliant housing and targeting expat‑friendly sectors you can overcome common pitfalls. With English widely spoken and comprehensive perks—from public healthcare to Schengen mobility—Malta stands out as a Mediterranean base for ambitious individuals seeking both career growth and quality of life.
