Let's Explore the Considerations and Process of Moving to Malta from the UK!
With its rich history, stunning Mediterranean views and warm climate, Malta has long been a coveted destination for those seeking a change of pace. The island offers a unique blend of European culture, old-fashioned charm and modern amenities, making it a versatile option for individuals and families alike.
In 2024, UK citizens made up a large proportion of the 33,000 third-country nationals that moved to Malta.
The island's popularity with Brits is unsurprising given long-standing cultural ties, English being an official language and welcoming expat community. But what does it take to make the move?
Let's take a look!
Table of Contents
Why are People Moving to Malta in 2025?
In 2025, Malta will continue to attract residents from around the world. Several factors make this Mediterranean island particularly appealing to those from the UK.
Climate and Lifestyle in Malta
Malta's year-round sun, warm winters and beautiful coastlines are a large draw factor. With over 300 days of sunshine each year, Malta is ideal for those who enjoy outdoor activities, including beach outings and exploring historical landmarks.
The mild winters offer a welcome break from the colder UK climate and the long, warm summers are perfect for enjoying Malta's many seaside attractions.
Malta offers a slower, more relaxed pace of life that provides a change from the fast-paced urban environment of the UK. The local culture emphasises community, leisure and quality of life, allowing new residents to unwind and immerse themselves in a tranquil, yet engaging, lifestyle. Additionally, Malta offers an abundance of al-fresco dining, open-air events and scenic walks, making it the perfect destination for those looking to escape the pressures of a busy metropolitan life.
Post-Pandemic Remote Work in Malta
With the rise of remote working trends post-pandemic, Malta has emerged as a top destination for digital nomads. Malta's Nomad Residence Permit allows remote workers to live on the island while maintaining employment with companies abroad. The strong internet infrastructure and coworking spaces available across the island make it an ideal choice for those looking to work abroad.
Malta's Proximity and Connectivity
Malta's geographical location allows for easy travel to mainland Europe, North Africa, and the Middle East, making it a convenient base for frequent travellers.
Tax Incentives and Residency Programs in Malta
Programs like the Malta Permanent Residence Program (PRP) and the Global Residence Program (GRP) offer appealing tax benefits and residency opportunities for high-net-worth individuals and retirees.
The Cultural and Historical Appeal of Malta
Malta's rich history, UNESCO World Heritage Sites, and vibrant arts scene continue to draw culture enthusiasts. The blend of British influences and Maltese traditions also eases the transition for UK citizens.
Healthcare and Education
Malta's high-quality healthcare system and English-speaking educational institutions make it a desirable destination for families and retirees from the UK. The country ranks highly for safety and quality of life.
Political and Economic Stability
Malta remains a politically stable EU member with a strong economy driven by industries such as tourism, gaming, and financial services. For UK residents seeking a base within the EU, Malta provides a reliable and attractive option.
Can British Citizens Move to Malta Post-Brexit?
The simple answer is yes, British citizens can move to Malta, but the process has changed since Brexit.
Before Brexit, as part of the EU British nationals enjoyed freedom of movement, making relocation a straightforward process. Post-Brexit, the UK is classified as a third country, meaning as British citizens, people from the UK will now need to meet additional requirements to live, work, or retire in Malta.
Obtaining a Study Visa in Malta
If you intend to study in Malta, you'll need to enrol in an approved educational institution and apply for a student visa. This process starts by securing admission to a Maltese educational institution, such as a university or training centre, which will provide you with the necessary acceptance letter.
Once enrolled, you must submit your visa application, including proof of sufficient funds to cover tuition fees and living expenses, a valid passport and comprehensive health insurance. The visa typically allows you to work part-time during your studies, subject to restrictions.
Obtaining a Work Permit in Malta
If you plan to work in Malta, you'll need an employment license, which is generally sponsored by a Maltese employer. The employer will need to prove that the position could not be filled by a Maltese, or EU, citizen.
The application process involves submitting proof of qualifications, work experience and job details, along with a valid UK passport. Once the employment license is approved, you will be able to apply for a residence permit, allowing you to legally live and work in Malta for the duration of your employment.
Note: Renewals must be submitted before the permit expires, typically requiring updated documentation and employer confirmation of continued employment.
Living Self-Sufficiently in Malta
For individuals not seeking employment in Malta, proving financial independence is essential. This includes demonstrating a stable and sufficient source of income or savings that can cover living expenses without relying on Maltese public assistance.
The financial threshold varies, but, typically, applicants must show evidence of annual income or savings equivalent to at least:
- Individuals: €14,000 (around £12,000)
- Couples/Partners: €23,000 (around £19,700)
Additionally, private health insurance is mandatory to ensure access to healthcare services, as unemployed residents may not qualify for public healthcare coverage. The application process involves submitting detailed financial documentation, including bank statements, pension certificates or proof of investments, along with evidence of comprehensive health insurance policies.
Malta's Permanent Residence Program (PRP)
For UK nationals, Malta's Permanent Residence Program offers an attractive residency option in exchange for specific investments. Applicants must purchase a property in Malta or Gozo with a minimum value of €300,000 (around £255,000) or €350,000 (around £289,000) in other areas.
Renting a property is permitted, with a minimum annual rent of €10,000 (around £8,500) in Gozo or the south of Malta at €12,000 (around £10,200). People looking at this program via renting will also need to make a one-time government contribution payment of €28,000 to €58,000 (around £23,800 to £49,300), along with an annual donation to a registered Maltese charity.
In either case, proof of stable financial resources and comprehensive health insurance is mandatory. Once approved, residents under the PRP can enjoy visa-free travel, within the Schengen Zone, for up to 90 days within any 180 days.
Family Reunification to Malta
If you have close family members already living in Malta, you may be eligible to join them under family reunification provisions. This process is primarily aimed at immediate family members, such as; spouses, dependent children, or parents.
To qualify, your family member residing in Malta must demonstrate their ability to support you financially without relying on social welfare.
The documentation includes:
- Proof of family relationship
- Evidence of your sponsor's income
- Evidence of adequate accommodation
- Health insurance coverage
Your application will be subject to approval by Maltese immigration authorities, and processing times can vary depending on the complexity of the case.
Note: it's essential to research and fulfil the specific requirements of the pathway that applies to you.
Managing the Challenges of Moving to Malta from the UK
Although moving to Malta requires planning and paperwork, the process is manageable with the right preparation.
Here are some of the challenges to be aware of:
Legal and Bureaucratic Hurdles
Navigating visa applications, residency permits and tax registrations can be time-consuming. Many opt to work alongside relocation specialists or legal advisors to streamline the process.
Adjusting to the Culture in Malta
While Malta is familiar to many Brits, due to shared history, English being an official language and other similarities, adapting to the island's unique lifestyle may still pose challenges.
The slower pace of life, often described as "Mediterranean time", may be a welcome change for some, but frustrating for others accustomed to the hustle and bustle of the UK. Everyday activities, such as completing bureaucratic tasks or scheduling services, may take longer than expected.
Understanding and respecting local traditions, such as the importance of community festivals and siesta hours, is crucial for integration. Expats may also need time to adjust to time differences in retail hours, driving on narrow roads, and a more relaxed attitude to punctuality.
The Maltese Housing Market
Finding suitable accommodation in Malta can be competitive, particularly in high-demand areas such as Silema, St. Julian's and Valletta. The island's limited size and growing expat community contribute to the competitive housing market.
Properties in urban areas, or near the coast, tend to be more expensive with rental costs for a two-bedroom apartment ranging from €1,200 to €2,000 per month. Rural and less developed regions do offer more affordable options.
We advise you to begin your property search well in advance, leveraging local estate agents, online platforms and expat forums. Many landlords in Malta prefer long-term leases and may request references and proof of income. Additionally, properties are often rented fully furnished, so be sure to check the furnishings meet your needs before signing a lease.
Can I Retire to Malta from the UK, Post-Brexit?
Again, the short answer is - yes!
Malta is a popular retirement destination for Brits, thanks to its mild climate, robust healthcare system and favourable tax regime. Here are some factors to consider before deciding to retire in Malta.
Residence Options and Visa Requirements for Retirees
Retirees can apply under the Maltese Ordinary Residence Scheme or the Malta Retirement Program (MRP). The MRP is a favourite for those retiring to Malta from the UK as it offers a flat tax rate of 15% on foreign income remitted to Malta, provided certain conditions are met.
Financial Criteria for Retirees
Retirees must prove they can support themselves without relying on Maltese social welfare. For the Ordinary Residence Scheme, this typically means a minimum annual income of around €14,000 for individuals or €23,000 for couples.
For the MRP, additional contributions to the Maltese government are required.
Health Insure is a Requirement for Those Looking to Retire
Private health insurance is mandatory for retirees. While Malta's public healthcare is excellent and often ranks among the best in Europe, access for non-working expatriates may be limited without the addition of private coverage.
Opting for Property Ownership in Malta as a Retiree
Many retirees opt to purchase property in Malta, benefitting from the stable real estate market. Certain areas, known as Special Designated Areas (SDAs), allow foreigners to purchase properties with fewer restrictions.
How Much Money is Needed to Move to Malta?
The cost of moving to Malta varies depending on lifestyle, housing preferences and residency route.
Here is a quick recap of some common financial considerations for a move to Malta:
Initial Costs
- Visa and Residency Fees: Application fees can range anywhere from €250 to several thousand euros, depending on the scheme you choose.
- Travel and Shipping: Relocation expenses, including flights and shipping personal belongings, can add up quickly.
Investment Requirements for PRP or MRP
- A property purchase of at least €300,000 in the south of Malta/Gozo, or, €350,000 everywhere else.
- A government contribution depending on your circumstances.
Cost of Living in Malta
Malta's cost of living is generally lower than in the UK, however, this depends on people's lifestyle choices. Groceries, dining out and utilities are reasonably priced, but imported goods can be more expensive.
Here is an overview of the cost of living in Malta:
| Monthly Estimates (per person) | Cost (€) | Cost (£) |
|---|---|---|
| 1 Person Estimated Monthly Costs (without rent) | €767 | £647 |
| 4 Persons Estimated Monthly Costs (without rent) | €2,790 | £2,354 |
Moving to Malta from the UK: A Summary
Relocating to Malta from the UK is an exciting prospect, offering a wealth of opportunities for a fulfilling life in the heart of the Mediterranean. The island boasts an enviable blend of year-round sunshine, a thriving and supportive expat community, and a lifestyle steeped in culture and history. While Brexit has introduced additional requirements, such as visas and residency permits, Malta remains a welcoming destination for British citizens who are ready and prepared to navigate these new processes.
Careful planning for any relocation abroad is key. Understanding the financial commitments, securing the necessary documentation, and preparing for cultural adjustments can significantly smooth the transition. With the right mindset and resources, moving to Malta can be the start of an enriching new chapter in an idyllic setting.
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