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A coastal village in Greece
Residence by investment

A second home in Europe.

Long-term or permanent residence in the European Union, offering a stable base for your family, access to schools and healthcare, and freedom to plan for the future.

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An overview

Is residence by investment right for you?

Residence programmes allow non-EU nationals to obtain a residence permit in return for a qualifying investment, provided they meet the conditions set by law.

They suit families who want a secure foothold in Europe, entrepreneurs who need a base for their business, and investors planning for retirement or their children’s education. Each programme differs in its investment routes, the family members it covers, how much time you must spend in the country and how the permit is renewed.

Programmes

Four European programmes.

A summary of each programme. Requirements change from time to time, and we confirm the current rules in writing before you commit.

Petra tou Romiou on the coast of Cyprus
Cyprus · Permanent residence

Cyprus permanent residence

A permanent residence permit for non-EU investors under Regulation 6(2) of the Aliens and Immigration Regulations. It requires a qualifying investment of at least €300,000 and a secure annual income from abroad, and it can include your spouse and children under 18.

Status
Permanent residence
Minimum investment
€300,000 (plus VAT where applicable)
Authority
Civil Registry and Migration Department, Deputy Ministry of Migration and International Protection
Programme guide
A whitewashed village in Greece
Greece · Golden Visa

Greece Golden Visa

A five-year residence permit for investors, renewable for as long as the qualifying investment is held. Since 2024, minimum real estate thresholds depend on location: they are highest in Attica, Thessaloniki, Mykonos, Santorini and larger islands, with a lower threshold for qualifying conversions and restorations.

Status
Renewable five-year residence permit
Main route
Real estate, with other capital investment routes
Authority
Ministry of Migration and Asylum
Greece residence
A street in Lisbon, Portugal
Portugal · Golden Visa

Portugal Golden Visa

The residence permit for investment activity (ARI). Since October 2023, real estate purchases no longer qualify; the remaining routes include qualifying investment funds, company capital with job creation, research and support for culture. Minimum stay requirements are modest.

Status
Renewable residence permit
Main routes
Investment funds, company capital, research, culture
Authority
AIMA — Agency for Integration, Migration and Asylum
Portugal Golden VisaD7 visa
Traditional balconies in Valletta, Malta
Malta · Permanent residence

Malta Permanent Residence Programme

Permanent residence through a combination of a qualifying property purchase or lease, a government contribution, an administrative fee and a charitable donation, subject to rigorous due diligence.

Status
Permanent residence
Main route
Property, contribution and donation
Authority
Residency Malta Agency
Malta residence
Private consultation

Not sure which programme fits?

Each route has its own thresholds, timelines and obligations. A short conversation is often the quickest way to narrow the choice.

Arrange a consultationor speak to us directly+357 979 42 388WhatsAppcsd.atexpress@gmail.com
At a glance

Comparing the programmes.

ProgrammePermitTypical routesFamily
CyprusPermanent residenceNew residential property, other real estate, company capital or qualifying investment fundsSpouse and children under 18; older children in certain cases
GreeceFive-year renewable permitReal estate (thresholds vary by location) and other capital investmentsSpouse, children under 21 and parents of both spouses
PortugalRenewable residence permitInvestment funds, company capital, research or cultureSpouse, dependent children and dependent parents
MaltaPermanent residenceProperty purchase or lease, plus contribution and donationSpouse, dependent children, parents and grandparents

Summary only. Eligibility for family members depends on age, dependency and other conditions set by each programme.

How we work

Four calm steps.

A simple, transparent process. The scope of our work and our fees are set out in writing before anything begins.

  1. 01

    A first conversation

    We listen to your plans, your family’s needs and your timetable, in person, by phone or by video call.

  2. 02

    A written proposal

    We set out the programmes that may suit you, the documents involved and our fees, so you can decide calmly.

  3. 03

    Preparation and filing

    We coordinate documents, translations and partners, and prepare the application for submission to the authorities.

  4. 04

    Ongoing support

    We keep you informed until a decision is issued and remain your point of contact for renewals afterwards.

Begin with a conversationConfidential and without obligation
Before you decide

Points worth considering.

i.

Residence is not tax residence

Holding a permit does not, by itself, make you tax resident. Tax residence is a separate test in each country, and specialist advice is essential.

ii.

Time in the country

Programmes differ in how long you must spend in the country to keep or renew your permit.

iii.

Holding the investment

Most programmes require the investment to be maintained for a minimum period, or for as long as you hold the permit.

iv.

Citizenship is separate

Residence may count towards naturalisation in some countries, but citizenship is never automatic and has its own conditions.

From our insights

Further reading

All insights
Aphrodite's Rock on the coast near Paphos, Cyprus
Let's talk

Begin with a conversation.

Tell us a little about your plans. An adviser will reply personally with an initial view of the options available to you — confidentially and without obligation.

Arrange a consultation

Prefer to talk first? Message us on WhatsApp

  • One dedicated adviser
  • Scope and fees in writing
  • Confidential, without obligation