Equity release

Equity Release in Spain:Unlock the Value of Your Home Without Moving

En Más Vida te damos a conocer las modalidades más importantes para sacarle todavía más partido a la propia vivienda y complementar con un ingreso extra a la pensión pública.

Equity release

How Equity Release Works in Spain

Unlike UK lifetime mortgages, equity release in Spain is structured differently and must comply with Spanish property and inheritance law.

What Is Equity Release?

Equity release is a financial solution that allows homeowners to access the value tied up in their property without having to move out.

While the term is widely used in the UK, Spain offers legally structured alternatives that achieve similar objectives, including:

✔ Bare ownership sale (Nuda Propiedad)
✔ Lifetime annuity (Renta Vitalicia Inmobiliaria)
✔ Reverse mortgage (Hipoteca Inversa)

Each option allows you to release capital while retaining the right to remain in your home.

Depending on the chosen solution

Depending on the solution chosen, you may:

✔ Receive a lump sum
✔ Receive monthly lifetime income
✔ Retain the right to live in the property
✔ Formalise the agreement before a Spanish notary

We guide you through the legal and financial implications before you make any decisions.

The process

How we Support You

You need to know

Pros of Equity Release

We prioritise transparency and informed decision-making.

Tax Free Money

Money available, usually tax free, as soon as the deal is completed at the Notary.

Property Costs

No rent to pay. No ongoing interest to be added.

Start Your Retirement Today

Your lifestyle does not need to change. Only your bank balance.

Keep Living in Your Home

You keep the house that you have invested time and emotion in to for the rest of your days.

Heirs and Taxes

Heirs do not need to find Inheritance taxes, up-front, before they inherit!

Government

Government cannot sell your house to pay for your health care.

Cons of Equity Release

Important Decision

We always recommend that you discuss this with any potential heirs – we do not want to cause family issues for you.

You don't own the Freehold

You no longer «own» the property – you only «own» the rights to use it.

Sale with Discount

You sell at a discount – outright sale would bring you more money but then you would need to source another, possibly inferior property, or rent one. Even a modest rent of €500 per month is €60.000 over 10 years.

This may be suitable if you:

Are aged 60 or over

Own your property in Spain outright or with minimal mortgage

Wish to supplement your retirement income

Do not want to downsize or relocate

Want clarity regarding inheritance planning

info@aunmasvida.es (+34) 608 68 48 40