Four simple steps, plain words, and no obligation at any point. Here is exactly what happens from first conversation to funds released.
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 for the amount you could release.
A clear, fixed offer with every number explained: lump sum, regular payments, or both. Take all the time you need, and involve your family if you wish.
Once you are ready, the paperwork is signed before a Spanish notary and the money arrives. Life carries on as normal, in your own home.
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.
The minimum age for a regulated lifetime mortgage in Spain is 65. Both spouses, if married, must meet the age requirement.
You live in Spain as your main home and are registered as a permanent resident. The property must be your primary residence.
You own your home with no mortgage, or only a small one that can be cleared from the amount released. The property must be in Spain.
Illustrative example only. Actual amounts depend on age, property value and the lender. Your written offer shows every figure before you sign anything.
From first consultation to funds released is typically six to eight weeks. The valuation and notary appointment are the two fixed points; everything else moves at your pace. We never rush a decision.
Not legally. The decision is yours alone. But we always encourage you to involve your heirs if you can, and we are happy to sit down with the whole family to explain the numbers. Many clients find it reassuring.
Yes. Most plans allow early repayment, and the plan can usually transfer to a new property of equal value, subject to the lender's approval. We talk through every flexibility before you sign.
A free, no-obligation conversation, at your home, our office, or by video. You'll leave it knowing the figures, even if you decide to do nothing.
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