Our Locations


Make the most of the glorious weather and beautiful landscape, safe in the knowledge your financial future is secure.


about QROPS


overseas asset management


with pensions, savings & investments

Average yearly wage

17,500 EUR

Average retirement age


Average weekly working hours

40 hours


Euro (EUR)

We are one of the most comprehensive and experienced wealth management companies around and our range of holistic financial planning services covers all your needs whether you are in the world.

Living in Malta

The Republic of Malta is formed of several islands in the Mediterranean, just south of Sicily, and within 300km of the North African coast.

Malta is the largest of the Maltese islands, with Gozo and Comino next in line in terms of size.

For many years now, British expatriates have been moving to Malta for the pleasant pace of life, favourable climate and wide range of outdoor pursuits. Of course, it helps that Malta is picturesque, with beautiful beaches, clear blue waters and some of the best seafood in the world.

In fact, because of its historic status as a trading port, Malta has been a popular expatriate destination for thousands of years, with the Phoenicians, Romans, Greeks and Italians; all making Malta a prime expat destination long before their modern UK counterparts.

Benefits of living in Malta

The unemployment rate might be low, at just 3.3%, but there are still plenty of opportunities available for expats in Malta; who get to enjoy everything that this beautiful country has to offer.

Affordable living costs

Compared to many other western countries, Malta has a relatively low cost of living – especially when it comes to property and transportation. The only exceptions to this are dining out, and imported goods, due to the fact that Malta is an island.

Pleasant weather year-round

Many expatriates move to Malta to enjoy its Mediterranean climate, with the country boasting 300 days of sunshine every single year. That’s not to say Malta doesn’t have winter, but even in January and February, the temperatures don’t tend to dip below 10 degrees Celsius.

Improved public transportation system

The Maltese public transportation system had a huge overhaul a few years ago; which has banished late schedules and inefficient networks. Now, each area of Malta is well-connected with one another, with buses running regularly across the island.

Best areas to move to in Malta

Malta offers a laidback, relaxed pace of life – something that expats who choose to move to Malta crave; although every single area has its own distinct charm and atmosphere.


  • Pint of beer: 3 EUR (£2.70)
  • Cappuccino: 3.38 EUR (£3.05)
  • Meal in a restaurant: 17 EUR (£15.30)
  • Monthly public transport pass: 28.50 EUR (£25.65)
  • Population: 5,730

A UNESCO World Heritage Site, Malta’s capital charms everyone – not least expats who are draw in with the temperate climates and pretty Mediterranean architecture. Home to St. John’s Co-Cathedral, the National War Museum and Upper Barrakka Gardens, Valletta may be small, but it offers plenty of things to do..

Packed full of history and culture, Valletta is easily accessible from the rest of the island. The majority of property available here are apartments, although townhouses are available too, and tend to be dotted around a central courtyard.

Whilst tourism and hospitality of course, are big sectors in Valletta, as are finance, marketing, and web design and development.


  • Pint of beer: 3 EUR (£2.70)
  • Cappuccino: 2.38 EUR (£2.14)
  • Meal in a restaurant: 15 EUR (£13.50)
  • Monthly public transport pass: 26 EUR (£23.40)
  • Population: 22,591

Sliema lies just across the harbour from Valletta, and is 10 minutes away from St. Julian’s. Once a former fishing village, it’s now a lively city, which is centred around the waterfront promenade.

Many EU expats reside in Sliema, fulfilling the demand for English-speaking doctors, therapists and nurses; as well as satisfying vacancies within the IT and financial sectors.

Sliema boasts the best nightlife on the island, with an abundance of bars and restaurants; but it’s also popular with retiree expats in Malta, due to the beautiful views and walks available.

St. Julian’s

  • Pint of beer: 3.50 EUR (£3.15)
  • Cappuccino: 2.20 EUR (£1.98)
  • Meal in a restaurant: 15 EUR (£13.50)
  • Monthly public transport pass: 26 EUR (£23.40)
  • Population: 13,792

Known as ‘San Giljan’ in Maltese, there’s a huge sense of community spirit in St. Julian’s, which draws in locals and expats alike. Home to many bars, restaurants and modern boutiques, in addition to Maltese luzzus – traditional Maltese boats that are said to ward off evil spirits – there’s no shortage of things to do here.

The most popular areas to live in St. Julian’s are Paceville and Portomaso – both of which are relatively new developments – as well as the more traditional areas of Spinola Bay and Madliena. It’s also home to some of the best English-speaking schools in Malta, with The Sacred Heart Foundation one of the most popular.

Managing your finances in Malta

Although Malta is a member of the EU, the United Nations and the Council of Europe; the importance of knowledgeable tax, inheritance, pensions and financial planning advice cannot be overstated, if you’re an expat in Malta.

For example, making the most of the tax incentives in place for High Net Worth Individuals residing in Malta may make a significant difference to your finances, while considering all your options in regard to SIPPs and QROPS advice is essential for ensuring good wealth management.

Based in Birkirkara, close to the University, our experts are committed to helping you achieve your objectives whilst living in Malta, ensuring you take the necessary steps towards securing a better financial future today.

Call us on +356 2144 5206, fill out our contact form above, or visit our office for more information and advice today.

Find out more in our video below: Mark Hollingsworth explains how Blacktower can help expats with their financial planning in Malta.  

Contact the Malta Office

Level -1, Orange Point, Dun Karm Street,
Birkirkara By-Pass, Birkirkara BKR 9037 Malta

Tel: +356 2144 5206

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Blacktower was created to bring independent wealth management advice and financial planning solutions to a global client base. Since its inception over 30 years ago, the business has grown from strength to strength into one of the most recognised industry leaders.

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