Malta
Coastal BeachesMalta is a small, island country located in the Mediterranean Sea, known for its rich history, stunning architecture, and beautiful coastlines. It consists of three inhabited islands: Malta, Gozo, and Comino, with a number of uninhabited islets. Malta is the largest of the islands and is the cultural, commercial, and administrative center. The capital city, Valletta, is a UNESCO World Heritage site, with an impressive fortress, grand churches, and museums that reflect the island's history through the ages, including periods of rule by the Phoenicians, Romans, Moors, Knights of Saint John, French, and British. The Maltese landscape is characterized by low hills with terraced fields, and the climate is typically Mediterranean, with hot, dry summers and mild, wet winters. The Maltese people are known for their hospitality, and the country has a vibrant cultural scene with numerous festivals and events throughout the year. English and Maltese are the official languages, and the country is a member of the European Union. Malta's economy is dependent on foreign trade, manufacturing, and tourism, which is facilitated by its sunny weather, attractive beaches, and a plethora of historical monuments, including nine UNESCO World Heritage Sites. Despite its small size, Malta has a significant presence on the international stage, particularly in sectors like online gaming, blockchain, and financial services
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Podcasts
Episode 8: Jake Barber - The Expat Finance Expert Returns
Episode 6: Jake Barber - Expat Finance Expert and Lifelong Expat
Living in Malta
Visa & Residency
Obtaining a residency in Malta is a process that varies depending on the type of visa and the applicant's circumstances. For non-EU/EEA/Swiss nationals, the Malta Permanent Residence Programme (MPRP) is a popular option. It requires a significant financial investment, including a property purchase or rental, a contribution to the national development fund, and a donation to a Maltese non-governmental organization. The Global Residence Programme (GRP) offers a similar path with slightly different financial requirements and is aimed at non-EU/EEA/Swiss nationals as well. For EU/EEA/Swiss nationals, the process is more straightforward. They can apply for the Residence Programme, which requires them to either rent or purchase property in Malta and prove they can support themselves without recourse to the Maltese social assistance system. Digital nomads from outside the EU can apply for the Malta Nomad Residence Permit. This permit is designed for individuals who can work remotely and are employed or run a business registered outside of Malta. Applicants must prove they meet a minimum monthly income threshold and have health insurance. The permit is valid for one year and can be renewed. Overall, the process of obtaining residency in Malta is considered to be relatively easy compared to many other countries, especially for EU/EEA/Swiss nationals. The Maltese government has streamlined procedures to attract foreign investment and talent, which includes a clear set of guidelines and requirements for each type of residency program. Applicants are often advised to work with a legal professional or an agency that specializes in Maltese to ensure a smooth application process.
Healthcare in Malta
Malta has a mixed public-private system known for its high standards and quality services. The public healthcare system is funded by taxes and is available to all Maltese citizens and European Union (EU) nationals holding a European health insurance Card (EHIC). It provides a range of services from primary care to specialized treatments at no direct cost to the patient. Private healthcare is also available and offers faster access and more choice regarding physicians and facilities, but at a cost. The quality of both public and private healthcare in Malta is generally considered to be good, with modern facilities and well-trained medical staff. Expats and digital nomads who become legal residents in Malta can access public healthcare by contributing to the social security system, while short-term visitors from the EU can use their EHIC. Non-EU nationals may need private health insurance to access healthcare services.
Cost of Living
The cost of living in Malta is considered moderate when compared to other European countries. Essentials like housing, utilities, and groceries are reasonably priced, but the cost of certain goods and services, particularly in tourist areas, can be higher due to the island's reliance on imports
Weather
Malta enjoys a Mediterranean climate with mild, rainy winters and hot, sunny summers. Spring and autumn are pleasantly warm with moderate rainfall. The island has an average of 3,000 hours of sunshine per year, making it one of the sunniest countries in Europe.
Educational System in Malta
The educational system in Malta is structured similarly to the British model, reflecting its history as a British colony. Education in Malta is compulsory between the ages of 5 and 16. The system is divided into three stages: primary (ages 5-11), secondary (ages 11-16), and post-secondary education. Children start their education at kindergarten level, typically at age 3, before they proceed to primary school. Primary education lasts for six years, after which students move on to secondary education. Secondary schools are typically called 'colleges' and offer a five-year program leading to the Secondary Education Certificate (SEC). After completing secondary education, students can opt for either a two-year sixth form (pre-university) or vocational education. The sixth form leads to the Matriculation Certificate, which is necessary for university entrance. Malta has a high literacy rate, and the government places a strong emphasis on education, providing free state-funded education to all citizens. Private and church schools are also available, offering education with different emphases. The quality of education in Malta is generally considered to be good, with a curriculum that covers a broad range of subjects and skills. English is one of the official languages of Malta, and it is widely used in the educational system, which can be an advantage for English-speaking expatriates moving to the country
Universities in Malta
The university system in Malta is centered around the University of Malta, the highest teaching institution in the country. It offers a range of undergraduate and postgraduate courses across various faculties, including arts, sciences, medicine, and the humanities. The academic year is divided into two semesters, starting in October and ending in June. Undergraduate degrees typically take three years to complete, while a postgraduate master's degree usually takes one to two years. The University of Malta has a diverse student population, with a significant number of international students. The language of instruction is English, which makes it an attractive option for foreign students. The university also offers a pre-sessional language course for those who need to improve their English proficiency. The Maltese government has invested in education and scholarships, making it possible for international students to receive financial support. The university provides a supportive environment for foreign students, with various services and organizations aimed at helping them adjust to life in Malta and succeed in their studies. The cost of education for EU students is relatively low, as they are charged the same rate as Maltese students. Non-EU students, however, may face higher fees
