A lifetime mortgage lets you release money from your home while you stay in it for life, with no monthly repayments, ever.
We listen to what you want retirement to look like. At your kitchen table, our office, or by video. No obligation, no jargon, as long as it takes.
An independent surveyor values your home. You see the same figure we do, and we talk through what it means in plain words.
A clear, fixed offer with every number explained: the lump sum, the interest rate, the guarantees. Take all the time you need.
The money arrives as a lump sum, regular payments, or both. Life carries on as normal, in your own home, as the registered owner.
We work only with over-65s who are permanent residents in Spain and own their main home outright, or nearly. That focus is deliberate: it means every question you have is one we have answered a hundred times.
There is no upper age limit. The older you are, the more of your home's value you can typically release.
Your main home is in Spain and you live there as a permanent resident, full-time, not as a second home.
You own your home, or have only a small mortgage left. Any remaining mortgage is settled from the money released.
From the first conversation to funds released, most cases take six to eight weeks. The valuation and the notary appointment are the two fixed points. Everything else moves at your pace, never ours.
Not completely. If you have a small mortgage remaining, it can be settled from the money released. What matters is that your main home is yours, not rented, not owned by a company.
The minimum age for a Spanish lifetime mortgage is 65. If you're close, we're happy to talk through your options now so you're ready when the time comes. No obligation, no pressure.
A free, no-obligation conversation about what your home could release. You'll leave it knowing the figures, even if you decide to do nothing.
Book a free consultation