UK Tax Rule Changes for Non-Domiciled Residents – Time to Rethink Your Options?

If you’re a non-domiciled resident in the UK, there’s a major shift you need to know about.

As of 6 April 2025, the UK has updated its tax rules for non-doms. Under the new legislation, non-domiciled individuals are now taxed on their worldwide income based on residency — not just income earned in the UK or funds brought into the country.

This is a significant change that could impact expats, globally mobile professionals, and anyone using the remittance basis as part of their long-term tax planning.

What Does This Mean for You?

If you’ve relied on the UK’s previous non-dom rules to optimise your tax exposure, it may be time to re-evaluate your residency and financial strategy. These changes could lead to higher tax liabilities and reduced flexibility when it comes to managing international income streams.

Is It Time to Consider a Smarter Base?

One increasingly popular alternative is Malta. An EU member state, English-speaking and highly tax-efficient, Malta offers a compelling combination of benefits:

  • No local council tax

  • Strong legal and financial frameworks

  • GMT+2 timezone — perfect for international business

  • Excellent air connectivity across Europe

  • Over 300 days of sunshine a year

Malta has long been a strategic choice for individuals seeking a balance between lifestyle, tax planning, and business opportunity.

Get Personalised Advice

Before making any decisions, it’s important to speak to a professional who understands the cross-border implications of these changes.

💬 Book a free 20-minute consultation with Merle-Louise Purvis Whale to explore your options in full confidence:
📅 Schedule a call
📱 Or message directly via WhatsApp: +27 82 574 4661

Tighter Rules for Italian Citizenship by Descent – What It Means and Why Malta is Gaining Appeal

Italy has announced significant changes to its citizenship by descent policy, potentially narrowing eligibility to those with a parent or grandparent born in Italy. For many individuals tracing their Italian roots through great-grandparents or earlier generations, this shift could close the door on acquiring EU citizenship through Italian lineage.

This change is particularly impactful for South Africans and other non-EU nationals who have been relying on ancestral links to gain European access and benefits. As the rules tighten, many are now looking to alternative paths—and Malta stands out as a highly attractive option.

With its own robust residency and citizenship programmes, Malta offers a reliable, strategic gateway into the European Union. Whether you’re seeking greater mobility, retirement in a Mediterranean climate, or investment opportunities, Malta provides an appealing blend of stability, lifestyle, and opportunity.

If you’re navigating these changes or considering a Plan B, the Dual U.S.-Italian Citizenship Facebook group is a great resource for insights and peer support. And of course, if Malta is on your radar, we’re here to guide you every step of the way.

Read the full article from CNN

#ItalianCitizenship #CitizenshipByDescent #Malta #EUResidency #RelocateToMalta #MaltaLifestyle

Malta Leads the Way in Teaching AI to Kids

Malta is taking a bold step towards future-ready education by introducing artificial intelligence (AI) lessons to primary school students. As part of its new Digital Education Strategy 2025–2030, Year 6 students—typically aged 10–11—will begin exploring AI tools like image generators, text-to-speech platforms, and smarter online searching. The goal? To build digital literacy from a young age and prepare the next generation to thrive in a tech-driven world.

The initiative doesn’t stop there. Even younger students in Year 4 will learn how to identify misinformation online, a vital skill in today’s information-heavy environment. Malta’s approach shows a clear commitment to equipping children with not just technical know-how, but also the critical thinking needed to navigate the digital age responsibly.

By weaving AI into everyday learning, Malta is positioning itself as a leader in digital education across Europe. With a forward-thinking strategy and a focus on real-world tools, the country is creating a dynamic environment where young minds can grow with the technologies shaping their future.

👉 Read the full article on Times of Malta

South Africans in Malta Come Together to Celebrate Heritage Day

The South African community in Malta recently gathered for a heartwarming celebration of Heritage Day, an event that beautifully blends their rich cultural roots with their new lives on this picturesque island. Arranged by Merle Whale of MaltaLifestyle, the annual gathering offered a warm and inviting platform for South Africans to share their personal journeys of settling in Malta, highlighting both the challenges and the triumphs of adapting to a new environment.

Attendees expressed deep appreciation for the kindness and hospitality of the Maltese people, as well as the island’s idyllic weather and safe surroundings. Merle Whale, affectionately known as Aunty Merle, added a touch of humor to the event, saying, “Relocating is a personal choice, much like choosing between Bovril or Marmite—it’s not for everyone!” This sentiment resonated with many, capturing the essence of the community’s supportive spirit as they navigate their new lives together.

Heritage Day, also fondly referred to as ‘Braai Day,’ holds special significance as a public holiday in South Africa, celebrating the nation’s incredible cultural diversity. “It’s a day that invites all South Africans to honor their varied traditions,” Merle explained. “In Malta, we appreciate how complex the idea of heritage can be, especially in a melting pot of cultures like ours.”

One of the most heartwarming aspects of the day was the recognition that South African Heritage Day and Malta’s Independence Day are celebrated just days apart. “This shared timing strengthens the connection between our communities,” Merle noted. “It’s wonderful to see how our cultures can intertwine and enrich one another.”

Reflecting on Malta’s Independence Day, Merle highlighted the island’s rich history and its journey toward self-governance. “Malta’s Independence Day symbolizes the resilience of its people and the triumph over centuries of foreign domination,” she said. “It’s a powerful reminder of unity and strength—values that resonate deeply with us as South Africans.”

In addition to the celebrations, Merle announced an upcoming Information Day scheduled for Saturday, 2 November in Valletta. This initiative aims to provide the South African Family and Friends Abroad (SAFFAS) community with essential information about local legislation and obligations for South African passport holders living abroad. “We want to ensure our community stays informed and connected,” she emphasized.

This vibrant gathering was a beautiful reminder that even when far from home, the spirit of South Africa thrives among its people—united in their journey of building new lives while cherishing their heritage. It was especially heartwarming to see Maltese families joining the festivities, fostering new friendships and connections within the community.

Your Vote, Your Voice!

2024 is a significant year in history with the most ever recorded countries going to Vote! This includes South Africa, Europe, and our very own Malta, are all holding important elections. 🌍🇿🇦🇪🇺🇲🇹

Voting isn’t just a right—it’s our chance to shape the future.

When voting we get to contribute to choosing leaders and making decisions that help everyone. It’s a way to share our opinions and make sure everyone has a say in what happens in our community.

Every vote counts, helping to ensure our voices are heard and our values are represented. Whether it’s for local, national, or international leaders, your vote makes a difference. Let’s cherish our democratic privilege and make informed choices for a brighter tomorrow.

Democracy thrives when we all take part, every single vote matters in shaping our community and our future.

South Africans Abroad – fondly known as SAFFAS (South African Family and Friends Abroad) have been to the polls. Many of them travelling far and wide to get to the polls in the relevant jurisdictions.

📢 South African Election Day is this Wednesday 29th May! Find your polling place at https://www.elections.org.za/pw/

Be sure to gather all the necessary documents.

Malta BUCKS Global Trends with Strong Economic Growth

According to a fresh report by PwC Malta, Malta is bucking global trends with strong economic growth. The report forecasts a GDP growth of 4.4% for fiscal year 2024, slightly down from the previous year’s 5.6%. This growth stands out against major economies like the US, Japan, Italy, and France, which are expected to see declines.

Although Malta’s growth is projected to align more closely with the euro area average soon, domestic consumption remains the primary driver of its GDP, echoing the Central Bank of Malta’s findings. Despite this, when adjusted for inflation and population growth, real consumption per capita hasn’t changed much since 2019.

Inflation continues to be a global concern, and Malta is no exception. Despite a decline, the island’s inflation rate is anticipated to surpass the EU average due to rising prices in food and services. To address this issue, the Maltese Government has implemented the “Stabbiltà fil-Prezzijiet” scheme, aiming to reduce prices on essential goods. If sustained throughout the year, this initiative could potentially alleviate inflation by 0.31 percentage points.

Preliminary data for 2024 suggests a slowdown in economic sentiment and while inflation is moderating, it remains higher than the euro area average, indicating a need for further stabilization.

Find out how you can invest in this resilient economy and contact Merle Whale merle@maltalifestyle.com

Malta’s Property Market Booms Offering Prime Investment Opportunities!

Merle of MaltaLifestyle looks at 2023 performance and the outlook for 2024.

Let’s look at 2023 first.

In 2023, Malta’s property market witnessed sustained price growth. According to globalpropertyguide.com, the residential property price index soared by 10,51% year-on-year in Q1 and 8.3% up to Q2 2023 (Q4 in 2022 reported a slow 2,71% growth). This is the second-strongest growth since Q1 2019. An uptick in demand and an attractive investment market contributed to the growth.

On the back of a slight dip in residential property transactions in the first three quarters of 2023, residential construction continued. The government’s cost-saving measures in the 2023 budget, including stamp duty waivers for first-time buyers and VAT refunds on restoration works, stimulated the property market.

2024 outlook

The outlook remains positive. Local investors are robust. International buyers and renters continue to be attracted to the favourable tax jurisdiction, low running costs, safe environment – as well as 300 days of sunshine and English-speaking community.  PLUS+ you can own property in Malta irrespective of residency – attractive for the buy-to-let market.

Government measures are expected to sustain demand and influence prices due to a short supply. Key factors influencing the market include:

  1. Low Interest Rates: Attractive interest rates make homeownership dreams a reality.
  2. Economy: Malta produced one of the EU’s strongest economic growths at 4%, driving demand for investment in this Mediterranean gem.
  3. Investment: Malta is in the investment spotlight due to a stable economy, low taxes, and quality of life, which positively impacts the property market.
  4. Incentives: Tax incentives and grants introduced in 2021/22 boosting property investment opportunities have been extended for 2024.
  5. Construction Costs: Malta may not escape the pressure on material costs and this may apply upward pressure on property prices.
  6. Supply: Limited land for development may restrict the supply of new homes, potentially driving up prices.
  7. Sustainability Focus: The government’s emphasis on sustainability is fostering demand for energy-efficient homes.
  8. Luxury Property: Growing interest in luxury properties, especially from those seeking a safe and secure environment, may drive up prices.
  9. Rental Market: This market will continue to thrive and offer investors a great return.

Merle Whale summaries: Malta’s property market is set to be a dynamic one with a variety of options and benefits for South Africans in 2024. Investors who can adapt to an evolving landscape may find exciting opportunities.

Give us a call if you’re in search of properties that offer top returns. Contact MaltaLifestyle.com at email malta@maltalifestyle.com or WhatsApp Merle Whale on 082 574 4661.

Discover Malta: The Mediterranean’s Best-Kept European Secret for South African Retirees

Are you dreaming of a sun-soaked retirement, surrounded by azure waters, rich history, and the charm of Europe right at your doorstep? Look no further than Malta, the Mediterranean’s hidden gem.

Don’t get left behind – For South Africans with an eye on retirement, the allure of the Mediterranean has always been undeniable. But what if we told you that this dream is not only attainable but also affordable? Malta, an EU country nestled in the heart of the Mediterranean, is conveniently located with easy connections to South Africa with leading airlines such as Turkish Airlines, Emirates and Lufthansa to mention a few.

Why Malta? Here’s why:

✓ European Charm, well connect: Malta’s strategic location means you’re always just a short flight away from the rest of Europe whether it’s  a 2h 40 min flight away to the romantic streets of Paris, a mere 3h to the bustling heart of London, or a swift 1h 30 min to the historic wonders of Rome.

✓ Safety First: Enjoy a tranquil lifestyle amidst ample island views, knowing you’re in one of the safest spots in the Mediterranean.

✓ Your Money Goes Further: With a low-tax regime, an affordable cost of living, and a thriving economy, your retirement savings stretch further.

✓ Tailored Retirement Programme: Malta’s Retirement Programme has been extended to South Africans, making the transition smoother than ever.

✓ Health is Wealth: Benefit from Malta’s top-notch health system, ensuring peace of mind in your golden years.

✓ No Language Barrier: Engage with friendly locals in English, one of Malta’s official languages.

✓ Education for the family: Thinking of bringing the whole family over? Malta offers excellent educational opportunities at all levels of education.

✓ Get Around with Ease: Malta boasts a convenient public transport system, making exploration a breeze.

✓ Sun, Sand, and Sea: Dive into the island’s fabulous beaches whenever the mood strikes.

✓ Heritage to Uncover: Heritage Malta’s Senior Passport holders can enjoy free and unlimited visits to 27 sites which include prehistoric temples and caves, historic houses and prisons, fortresses and palaces, and a selection of museums relating to nature, archaeology, maritime, war, and art.

But don’t just take our word for it. Recently Merle Whale, a fellow South African and the brains behind MaltaLifestyle.com entertained visitors ranging from age 70+ to turning 89. She knows first-hand what is needed and is available to guide you every step of the way. As a relocation expert who has been living in Malta for over a decade, Merle can offer invaluable insights, connect you with the right professionals, and ensure you truly live the retirement of your dreams.

Ready to embark on your next adventure? Join our vibrant South African community in Malta, feel right at home and experience a Mediterranean retirement dream. Contact us on relax@maltalifestyle.com. WhatsApp on +27 82 574 4661 or visit www.maltalifestyle.com to join us.

Malta – a Beacon for the LGBTQ+ Community

Malta, a sun-kissed archipelago in the Mediterranean, is more than just a tourist destination. It’s a symbol of hope for the LGBTQ+ community. With its progressive laws and welcoming atmosphere, Malta has set a benchmark for LGBTQ+ rights in Europe.

Notable achievements

  • Legislation: Malta was the first European country to ban conversion therapy in 2016. This pioneering move was a significant step towards recognizing and protecting the rights of the LGBTQ+ community.
  • Top Rankings: According to the ILGA-Europe’s annual Rainbow Europe Index, Malta has consistently ranked first for several years, scoring an impressive 90% in terms of LGBTQ+ rights and policies.
  • Transgender and Intersex Rights: Malta’s Gender Identity, Gender Expression, and Sex Characteristics Act, enacted in 2015, is considered one of the most progressive in the world. It allows individuals to change their legal gender without undergoing surgery or hormone therapy.

Beyond the stats, historical sites and natural beauty, the Maltese are known for their warm hospitality. This extends to their acceptance of the LGBTQ+ community. From restaurants to bars and night clubs, you can let loose, relax whilst feeling safe and welcomed.

In September 2023, Malta proudly hosted EuroPride, a significant event that underscored its dedication to LGBTQ+ rights and its influential role in championing them within the region. More than just a parade, EuroPride celebrated the rich tapestry of diversity, acceptance, and the remarkable progress in LGBTQ+ rights. The vibrant festivities saw visitors immerse themselves in a myriad of cultural events, parties, and the iconic grand parade which was followed by a free Christina Aguilera concert in the nation’s capital. Malta’s streets came alive with hues, melodies, and dances, as throngs of people united in a celebration of love. Beyond the celebrations, the event facilitated crucial discussions, workshops, and seminars, addressing the LGBTQ+ community’s challenges, ensuring that the event leaves a lasting impact long after the celebrations have concluded.

While EuroPride shone a global spotlight on Malta, it also it symbolised an endorsement to what nations can achieve with dedication and a commitment to equality. However, the journey doesn’t end here. With continued efforts in education, public perception, and healthcare, Malta can not only maintain its top spot but also serve as an all-encompassing haven for the LGBTQ+ community.

Living in Malta – Frequently Asked Questions (FAQ)

  • Who typically relocates to Malta?

Many expats, including workers, retirees, and business people, relocate to Malta each year. The country’s popularity is due to its idyllic destination with excellent weather, a dynamic business hub, and an easy-going lifestyle. Whether you’re considering Malta after falling in love with it on holiday or exploring options, Frank Salt Real Estate can be your gateway to settling in the country. They can provide answers to your questions, offer homes and commercial premises for sale or rent, and assist with understanding the government’s residency programs.

 

  • How far is Malta from the rest of Europe, and what is the climate like?

Malta is a premier travel hub to Europe, North Africa, and the Middle East. It has a warm, sunny climate with some of the best average temperatures in the EU. All major EU destinations are just a two-hour flight away, and direct flights are available to cities like Paris, London, Frankfurt, Madrid, and Lisbon, taking around two and a half hours on average.

 

  • Is there a language barrier in Malta?

No, more than 80% of the population speaks English in addition to Maltese. English is widely used in business, making it easy for English speakers to feel at home in Malta.

 

  • What is the quality of healthcare in Malta?

Malta’s healthcare system is highly regarded, ranking 5th globally according to the World Health Organization. State healthcare is free for those who work and contribute to social security. Many people also opt for private health insurance, which is affordable in Malta.

 

  • How is the education system in Malta?

Malta’s primary education is of high quality and follows the UK model. Public schools are free for resident children, but there are also church and private schools available. Additionally, Malta hosts over 40 English language teaching schools, attracting youngsters from around the world to master the language.

 

  • What job opportunities are available in Malta?

Malta offers various job opportunities, and its workforce is highly educated and English-speaking. It is known for sectors such as IT, i-Gaming, banking, financial services, pharmaceuticals, shipping, automotive, aviation, and more. Additionally, Malta recently introduced the Digital Nomad Visa, attracting remote workers from across the globe.

 

  • How is doing business in Malta?

Malta provides numerous opportunities for international companies to set up businesses on its shores. It offers borderless access to the rest of the EU, open trade, and a unified currency (Euro). Companies established in Malta enjoy easy trade with other EU countries due to the stringent measures they undergo to comply with EU regulations.

 

  • What is the tax system like in Malta?

Malta’s tax system is designed to attract global investment and innovators. Corporate tax is generally 35%, but numerous refund schemes can significantly reduce the effective tax rate to as low as 5%. Malta also has over 70 double taxation treaties with other countries, preventing double taxation on the same income.

 

  • How is the banking system in Malta?

Malta has one of the world’s best-rated banking systems with strict anti-money laundering measures. This makes Maltese banks highly reputable and trustworthy for international trade and business.

 

  • What are the steps involved in buying a property in Malta?

Buying real estate in Malta is a straightforward and safe process. It involves signing a Promise of Sale, conducting due diligence checks, applying for permits (if necessary), and signing the Contract of Sale or Deed of Sale. Costs include stamp duty, notarial fees, search and registration fees, and an AIP Permit (if required).

 

  • Is it advisable to rent a home first?

Yes, many people prefer to rent first to explore the area and lifestyle before committing to a purchase. Renting allows for flexibility and finding the perfect fit. Frank Salt Real Estate’s Rentals Division can assist in finding the right rental property.

 

  • Tell me about the i-Gaming Industry in Malta.

Malta is a top destination for i-Gaming companies in Europe, with over 250 companies operating on the islands. The sector’s value is projected to rise significantly in the coming years.

 

  • What are the benefits for international companies operating from Malta?

Operating from Malta offers numerous advantages, including a comprehensive regulatory framework, watertight jurisdiction for the EU, incentives like beneficial tax rates and low license fees, access to the EU market, a highly skilled workforce, and a reputation as a market leader in hosting i-Gaming companies.

 

Living in Malta offers expats a blend of warm weather, a vibrant business environment, excellent healthcare, and a thriving expat community. The country’s English-speaking population and business-friendly atmosphere make it an attractive destination for people from various backgrounds and professions. Whether you are considering moving to Malta for work, retirement, or investment purposes, the country has much to offer and can be an excellent place to call home.

For more information contact MaltaLifestyle.com on WhatsApp (+27) 82 574 4661 or email malta@maltaifestyle.com.

 

Hear from us first hand
for news and information

Address

Represented in South Africa, UK and Malta

Copyright © 2024. Unconditionally Rights Reserved. Terms and conditions apply – AKM-IMMV-21. 

The information provided on this website is for general informational purposes only and is not intended to serve as legal advice. Content may be subject to change at any time without notice.

Open chat
Need Help?
Hello, how can we help you?