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Maltese residency routes:

• Nomad Residence Permit - eligible remote workers
• Malta Permanent Residency Programme (MPRP) - investor route
• Employment routes
• Family reunification

The citizenship-by-naturalisation-for-exceptional-services programme is closed to new applicants.

Croatian residency routes:

• Employment-based residence
• Digital Nomad Residence Permit - remote workers
• Business / self-employment
• Family reunification
• EU citizen-derivative routes

Spanish residency routes:

• Non-Lucrative Visa - passive income, no employment in Spain
• Digital Nomad Visa - remote workers and self-employed (Startups Law)
• Self-Employed Visa
• Entrepreneur Visa
• EU citizen-derivative routes

The Golden Visa has been phased out for real estate purchases.

Saint Kitts and Nevis routes:

• Citizenship by Investment (CBI) via the Sustainable Growth Fund
• CBI via approved real-estate investment
• Standard work / family routes

Citizenship outcomes remain at the discretion of the Citizenship by Investment Unit.

Maltese companies are commonly used for trading, IP holding, and gaming / fintech structures. Substance, accounting, and tax-refund mechanisms are well established but require careful structuring.

d.o.o. (limited liability) is the standard structure; jednostavno d.o.o. is a simplified low-capital variant. Formation involves notary and court registration. Tax and VAT registration follow.

SL (Sociedad Limitada) is the standard private company. Registration involves NIE / NIF, notary, mercantile registry, and tax registration. Spanish tax residency triggers worldwide income reporting; the Beckham Law (special tax regime) may apply to eligible relocated workers.

Nevis IBCs and LLCs are commonly used in international structures. Substance, beneficial ownership disclosure, and AML standards have tightened materially.

Local banking has tightened; EMIs are common supplements. Bordercase coordinates banking introductions through partners with current relationships.

Resident banking is broadly accessible; corporate banking depends on activity. Bordercase coordinates introductions for cross-border cases.

Personal banking for residents is straightforward; corporate banking depends on activity and structure. Bordercase coordinates introductions for non-standard cases.

Domestic and offshore banking options exist but have become more selective on KYC and source of funds. Bordercase coordinates banking pack preparation and partner introductions.

Family reunification is supported on most routes. Schooling and healthcare are accessible to legal residents.

Family reunification is supported. International schools are available in Zagreb and along the coast.

Family reunification is supported on most residency routes after a qualifying period. Schools (public, private, international) are widely available; the public system is generally accessible to legal residents.

CBI applications can include qualifying dependants - spouse, children, and in some cases parents - under specific conditions.

Risks Bordercase watches for in Malta:

• Substance requirements (real operations, real director time)
• Tax classification disputes
• Banking timelines - EU-wide AML pressure
• EU anti-abuse rules tighten ongoing

Risks Bordercase watches for in Croatia:

• Tax residency triggers
• Processing variations
• Digital nomad permit renewal rules and re-entry constraints

Risks Bordercase watches for in Spain:

• Tax residency triggers - 183 days + centre of interests
• Beckham Law (special regime) eligibility
• Autonomous-community tax variation
• Hacienda audits when planning is unclear
• Past Schengen overstays must be disclosed

Risks Bordercase watches for in Saint Kitts:

• Programme parameters change
• Due diligence has tightened materially
• Rejection rates have risen for incomplete or unclear source-of-funds presentations
• Visa-revocation and reputational risks if information is misrepresented

Standard EU residency document pack for Malta:

• Passport
• Criminal record certificate
• Proof of income
• Health insurance
• Accommodation evidence
• Marriage / birth certificates for family routes

Apostille or legalisation where required.

Typical Croatian residency documents:

• Passport
• Criminal record certificate
• Proof of accommodation
• Health insurance
• Employment / income evidence
• Family certificates

Apostilled and translated to Croatian.

Typical Spanish residency documents:

• Passport
• NIE (foreigner identification number)
• Criminal record certificate with apostille
• Proof of income / assets
• Health insurance with full cover in Spain
• Accommodation evidence
• Marriage / birth certificates for family routes

Typical CBI documents:

• Passport
• Due diligence questionnaires
• Source-of-funds evidence (extensive)
• Employment / business documentation
• Family certificates with apostille and certified translation
• Police clearance certificates for all countries of residence in the prior 10 years