Malta Individual Investor Programme - CSB Group

Malta Individual Investor Programme

Investing in the Hidden Gem of the Mediterranean


Being a small country in size or shape does not mean being small in spirit, heart or ambition. There is a saying which says that “everything good comes in a small package” and Malta is the living proof of it.

Malta – A leading economy in the EU

A member of the European Union since 2004, Malta may be the smallest economy in the euro-zone but has the heart of a giant. Having weathered the euro-zone crisis thanks to a low debt-to-GDP ratio and a tax and business friendly approach, it has done much better than most heavy weight European titans.

Malta is at the vanguard of the Financial Services industry in what regards to licensing of Financial Institutions, Electronic Money Institutions (EMI) and Payment Service Providers (PSP).

Also, and as a result of the thriving economy, the Real Estate market is also experiencing high and steady growth. With a double-digit growth in 2018 and reputed as the world fastest growing housing market this albeit small country with the heart of a giant can satisfy any investment appetite – including more traditional ones.

And if that wasn’t enough, Malta achieved a GDP growth of a staggering 6.4% in 2017 and 6.2% in 2018. The International Monetary Fund has placed Malta as the second among all the countries in the world in regard to the largest economic growth forecast for 2019. Moreover, and according to the 2019 EU Commission Winter Forecast, this will be the fastest growing economy in Europe in 2019 and 2020 with a growth rate expected to be 3 times as much as the rest of the EU.

As said before – a small country with the heart of a giant. A big giant.

Malta Individual Investor Programme – an investment with invaluable returns

Having said that, Malta’s value proposition is more than history, tradition, opportunity and growth. Gluing all the above together – and more – Malta has state-of-the-art Investment Immigration schemes which can either grant residence or citizenship by investment after passing the most stringent and a high standard 4-tier due diligence process.

The Malta Citizenship by Investment Programme, technically known as the Malta Individual Investor Programme (IIP), aims to attract to its shore applicants from all over the world which are of the highest standard, not only willing to become citizens by investing in a country, but people that appreciate and understand what the Maltese flag and the Maltese Cross represents.

The Malta Individual Investor Programme is regulated by the Maltese Citizenship Act and the Individual Investor Programme of the Republic of Malta Regulations, 2014. All successful applicants are granted with a Certificate of Naturalization in return for their contribution to the economic development of Malta, as provided in such regulations.

This creates a clear win-win situation for both the country and the discerning eye of the applicant who not only can see the opportunity but also appreciates history and tradition. By becoming a Maltese Citizen by Investment, applicants receive a wealth of intangible benefits, such as

  • Freedom of movement within over 160 countries (EU, UK and US included) and right to live and work within the EU;
  • A European base for families and business in a European Union country, member of the Commonwealth with a strong local workforce and international mindset; and
  • Citizenship for the entire family that may be passed on to future generations.

A sound and smart investment – what does this involve?

All of the above intangible and invaluable benefits, can be accessible by making a sound and smart investment in a booming EU economy.

Applicants can call themselves proud Maltese Citizens and have the right to apply for a passport, once the Application submitted by the Approved Agent, which undergoes a stringent due diligence process, has been approved by the relevant Maltese authorities and the applicant has made all the relevant qualifying investment in the island.

The 3 layered investment in the Malta Investor Immigration Programme can be summarised as follows:

  • Property Investment: Either to invest in a property in Malta with a minimum value of €350,000 or lease a property in Malta for a minimum annual rent of €16,000;
  • Government Bonds: Invest a minimum of €150,000, which must be placed with investment vehicles designated by the Government of Malta; and
  • Government Contribution: With an amount that depends on the application structure, being a minimum of €650,000 for the Main Applicant and additional contribution for dependants.

However, regardless of the amount of wealth that an individual may have, this is not enough to be granted with Maltese citizenship through the Individual Investor Programme. Satisfying a 4-Tier Due Diligence process and creating effective links with the island are also a must.

With more than 30 years in the Financial Services industry and being one of the first Approved Agents on the island, CSB Group and its team of Advisors is your companion in the path to European Citizenship through a Sound and a Smart Investment.

About the Author

Andres Gutierrez is the Investment Immigration Consultant of CSB Group. He strives to give the best and most suitable advice to High-Net-Worth Individuals and their families. Having assisted hundreds of clients in their citizenship and residence by investment strategies in the most reputed jurisdictions worldwide, Andres has a wealth of knowledge in the Investor Immigration arena.

Should you require any assistance, we invite you to contact CSB Group’s Investment Immigration Unit on [email protected].

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