From the first conversation to the money in your account: four simple steps, no monthly repayments, and you stay in your home for life.
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 in plain words: interest rate, total amount, guarantees. Take all the time you need to decide.
The money arrives as a lump sum, regular payments, or both, whichever you chose. Life carries on as normal, in your own home. No monthly repayments, ever.
The minimum age for a Spanish lifetime mortgage is 65. There is no upper age limit. We've helped clients well into their nineties.
You live in Spain as your main home and are registered as a permanent resident. This is a product designed for people rooted here.
Your main residence is owned outright, or has only a small remaining mortgage. The value of that home is what makes the plan possible.
Yes. You remain the registered owner for as long as you live there. The lender registers a charge, exactly like a normal mortgage, nothing more. You keep the right to live in your home for life.
The no-negative-equity guarantee means your heirs will never owe more than the home is worth. Whatever is left after the loan and interest are repaid, from the sale proceeds, belongs to them entirely.
Typically six to eight weeks from the first consultation to funds being released. Most of that time is the independent valuation and the notary's paperwork. Nothing is rushed, and nothing is signed until every number makes sense to you.
A free, no-obligation conversation about your options. You'll leave it knowing the numbers, even if you decide to do nothing.
Book a free consultation