Residency programmes and relocation advisory for internationally mobile individuals and families across Malta, Gibraltar and Greece — from route selection and eligibility to application, approval and ongoing compliance.
Through Zeta Advisory Services Limited, we act as a Licensed Agent authorised by the Residency Malta Agency for the Malta Permanent Residence Programme (MPRP), and as an Authorised Registered Mandatory (ARM) approved by the Commissioner for Revenue for other Maltese residence programmes such as the Global Residence Programme (GRP) and the Malta Retirement Programme. Together with our partners, we also assist with residence applications in Gibraltar and Greece. Select a jurisdiction below to explore the programmes available and how we can guide you through every stage of the process.
Not a government service. zeta. is an independent, privately owned advisory firm acting as a Licensed Agent and Authorised Registered Mandatory. We assist clients with residency applications but are not a government agency, and this page is not an official government service. Malta's residency programmes are administered by the relevant Maltese authorities.
A second residence is one of the most consequential decisions an internationally mobile family makes. The programme you choose shapes where you may live, how you travel, where you pay tax and what options your children inherit.
Check Your EligibilityClients rarely relocate for a single reason. In our experience, a residence decision usually balances several of the following:
Residency programmes can look interchangeable on paper. In practice they differ in who qualifies, what must be invested or evidenced, how long status lasts, what presence is expected and how the programme interacts with tax residence in your home country. Requirements and thresholds also change — programmes are amended, suspended and replaced with little notice.
Advice matters because the cheapest mistake is the one made before you commit. We assess eligibility honestly at the outset, compare routes across jurisdictions rather than selling a single programme, and coordinate the immigration, tax and structuring questions as one exercise — alongside our tax and accounting and fiduciary teams where relevant.
All residence and tax outcomes described on this page are subject to conditions and to the applicable law at the time of application. Current requirements and thresholds are confirmed at consultation.
Three complementary jurisdictions — an EU member state, a British Overseas Territory and the EU's most established residence-by-investment destination — plus the route beyond residency.
The full range of Malta's ordinary and special residence programmes for EU/EEA/Swiss and third-country nationals — including the Malta Permanent Residence Programme (MPRP), the Malta Retirement Programme, the Global Residence Programme (GRP), Single Permit routes, and the Digital Nomad Visa. As a Licensed Agent and Authorised Registered Mandatory, we guide clients through application and ongoing compliance.
Learn MoreTogether with our partners, we assist with residence applications in Gibraltar under the Category 2 Programme — a capped tax regime for high-net-worth individuals, with no capital gains, inheritance, or wealth taxes — and the HEPSS route for senior executives with specialist skills. A British legal system, English-speaking environment, and Mediterranean lifestyle make Gibraltar a compelling base for internationally mobile families.
Learn MoreGreece's Golden Visa Programme — one of Europe's most established residency-by-investment schemes — offers long-term residence to third-country nationals through qualifying real estate or alternative investments, with visa-free Schengen travel, an optional non-dom flat-tax regime, and a route to citizenship after seven years of residence.
Learn MoreFor clients whose horizon extends beyond residence — Maltese citizenship by naturalisation, registration by descent or marriage, and citizenship for exceptional services by merit. A Maltese passport confers full EU citizenship, including the right to live, work and study across the European Union, subject to eligibility and the discretion of the authorities.
Learn MoreThe three jurisdictions solve different problems. This is the shape of each — the detail, and the current thresholds, are confirmed at consultation.
| Malta | Gibraltar | Greece | |
|---|---|---|---|
| Route types | Ordinary residence for EU/EEA/Swiss nationals, plus special programmes — MPRP (permanent residence), GRP, the Malta Retirement Programme, Single Permit employment routes and the Digital Nomad Visa. | Category 2 status for high-net-worth individuals and HEPSS for specialist senior executives, alongside self-sufficiency and employment-based residence routes. | Golden Visa residence-by-investment through qualifying real estate or alternative investments, plus national routes such as the Financially Independent Persons visa. |
| EU & Schengen | EU member state within the Schengen Area — residence supports free movement across Schengen. | British Overseas Territory outside the EU; under the forthcoming EU–UK framework, residence cardholders are expected to gain Schengen mobility. | EU member state within the Schengen Area — permit holders travel visa-free across Schengen for the standard short-stay periods. |
| Tax character | Remittance-based treatment may be available to non-domiciled residents, and special programmes carry a defined tax status with minimum annual tax rules — qualifying, subject to advice. | Annual liability capped between a fixed minimum and maximum under Category 2; as a general rule no VAT, no capital gains tax and no inheritance tax. | Progressive taxation for tax residents, with an optional non-dom flat-charge regime on foreign income for qualifying new residents, subject to conditions. |
| Presence expected | Varies by programme — several routes carry modest presence expectations, though tax residence is always fact-specific. | Approved accommodation for the applicant's exclusive use is expected; presence depends on circumstances and the status held. | The Golden Visa has a minimal-stay character — the permit can generally be maintained without full-time residence, subject to conditions. |
| Family | Spouse and dependent children, with certain programmes extending to parents and grandparents, subject to conditions. | The status holder's spouse and children can generally reside with them, with strong English-language schooling pathways. | Spouse, children below the qualifying age and the parents of both spouses may be included, subject to conditions. |
| Best suited to | Families, retirees and professionals seeking an English-speaking EU base with a permanent-residence option. | High-net-worth individuals and senior executives seeking a capped-tax, common-law jurisdiction. | Investors seeking flexible Schengen residence anchored to an investment, without relocating full-time. |
Programme requirements typically combine a government contribution, a qualifying property purchase or rental and administrative fees — the mix and the amounts differ by programme and change over time. Current thresholds are confirmed at consultation.
A residency application is a project with a beginning, a middle and a long tail of compliance. We run it the same way every time — deliberately.
Book a ConsultationWe take stock of your circumstances — nationality, family, wealth profile, mobility needs and intentions — and give you an honest view of which routes are realistically open to you.
We compare the qualifying programmes across Malta, Gibraltar and Greece, coordinate tax input where the choice affects your position, and agree scope, timeline and costs before anything is committed.
We assemble the application file — identity, source-of-wealth and supporting documentation, translations and forms — anticipating the questions the authorities and their due diligence processes will ask.
We submit to the relevant authority — or instruct our partners in Gibraltar and Greece — and manage all correspondence, clarifications and requests for further information until a decision issues.
On approval in principle, we guide the closing steps — property or accommodation requirements, settlement of the applicable contributions and fees, biometrics and residence cards — and support the practical move.
Residence status must be maintained. We track renewal dates, annual obligations and evidence requirements, and our accounting and tax team can handle the filings that follow relocation.
Most of our residency clients arrive with a life question, not a programme name. These are the profiles we serve most often.
Founders relocating themselves alongside their business — often combining residence with company incorporation, substance and banking so the personal and corporate moves land together.
Clients living on pensions or investment income who want a safe, warm, well-governed base — typically weighing Malta's retirement and residence programmes against Gibraltar's lifestyle and Greece's flexibility.
Families planning around education, security and succession — where residence choices sit alongside trusts and fiduciary structures and, in time, possible citizenship for the next generation.
Individuals who want European residence without relocating full-time — from Golden Visa investors in Greece to remote workers using Malta's Digital Nomad route, each with a different presence and tax profile.
Residence is often the first step toward a second passport. Maltese citizenship confers full EU citizenship — the right to live, work and study across the European Union — through naturalisation, registration by descent or marriage, and citizenship for exceptional services by merit. We advise on eligibility and guide you through each route.
Through Zeta Advisory Services Limited, zeta. is a Licensed Agent authorised by the Residency Malta Agency and an Authorised Registered Mandatory approved by the Commissioner for Revenue.
Residency decisions touch immigration, tax, property and family structuring at once. Rather than passing you between firms, we hold the relationship: Malta applications are handled in-house, while Gibraltar and Greece are delivered together with our established partners — with zeta. remaining your single point of contact throughout.
Tell us about your family, your mobility needs and your plans — we'll map the realistic routes and what each would ask of you.
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