Reverse Housing

Reverse housing is a flexible and efficient financial solution so that Seniors can monetize all the savings they have deposited in their homes.

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What is Reverse Housing?

It is the sale of full ownership of the home and the simultaneous signing of a lease for life, which guarantees you to stay in your home for life, cWith the flexibility of being able to abandon it prematurely without any type of penalty.

Under this model, the seller receives the agreed amount at the time of sale and the amount necessary to pay the rent for an estimated life period is withheld. If the owner leaves the home beforehand, the unconsumed withheld amount is delivered to him or his heirs in the event of death. If he survives the estimated period of life, from that moment he will not pay rent, only the expenses of supplies and community.


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        Reverse Housing Example

        Imagine Carmen, 86 years old, with a house valued at €1.100.000.

        Opt for the reverse home, agreeing to a sale for €900.000. Carmen chooses to receive €650.000 immediately at her notary or an income of €4.733 per month for 8 years.

        You also receive a rental fund of €250.000 to cover the advance rent, partially refundable if you leave the home early or in the event of death.

        In addition, services such as premium telecare and death assistance are added, ensuring your well-being.

        Calculation of the Amount to Receive

        To calculate the amount of the operation (which is normally between 55% and 85% of the appraised value of the property), variables such as the potential life expectancy of the tenant are taken into account and the amount to be paid in rent is estimated. in said period. At the time of sale The owner receives the agreed upon amount minus the calculated rent. The amount retained as income is consumed as the months go by.

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          Market value

          It is obtained after carrying out a market study or through an official appraisal.

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          Owners age

          And your life expectancy.

          Steps to Follow to Apply for Reverse Housing

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          To carry out this type of operations, only two requirements are needed:

          1. preferably have 65 years or more.

          2. Be owner of a property.

          Formalization process

          1. We meet with the interested party to learn about their preferences and specific needs.

          2. We analyze your case internally and present you with several payment proposals.

          3. In case of continuing with the chosen offer, the property will be appraised by one of the official appraisers approved by the Bank of Spain.

          4. Once the appraised value of the property is confirmed, an official offer will be communicated to you.

            Furthermore, after formalization, the usufructuaries have the assistance and the support of Mas Vida team during the duration of the contract, since we act as a direct link in any issue or procedure that may arise.

              Advantages of Reverse Housing

              Higher amount to receive

              Reverse housing, in general, offers a higher amount than the rest of the services in this market.

              Legal guarantees

              It has all the legal guarantees, all transactions are formally completed before a Public Notary and registered with the Land Registry.

              Additional benefits for life

              • Additional amount if you decide to leave the home before
              • Spill coverage guarantee

              Maximum flexibility

              Reverse Housing adapts to your needs, it is the only product that covers the risk of pre-deterioration or early abandonment of the property.

              Full Transparency

              The valuation of the property is carried out by an independent appraiser and approved by the Bank of Spain.

              Excellent tax treatment

              The sale of the habitual residence by people over 65 years of age is exempt from personal income tax.

              Differences of Reverse Housing with other products

              Reverse Housing Sale and Leaseback Bare Property Real Estate Life Annuity
              Purchase price Approximately 70%-75% of the value of the property Approximately 70%-75% of the value of the property Depends on the age of the owners Depends on the age of the owners
              Condition of use Rental pool with a maximum rental limit to be paid over time Rent Usufruct Usufruct
              Warranty Notary and Property Registry Notary and Property Registry Notary and Property Registry Notary, resolution clause and Property Registry
              Tax advantages (over 64 years of age and habitual residence) Total exemption in the increase of assets (IRPF) Total exemption in the increase of assets (IRPF) Total exemption in the increase of assets (IRPF) Partial exemption (from 80% to 92% depending on age) in the increase in assets (IRPF)
              Formalization expenses Municipal Capital Gains Tax and fees Municipal Capital Gains Tax and fees Municipal Capital Gains Tax and fees None

              Maximize your assets and preserve your home

              Why choose Más Vida?

              We provide  maximum profitability for your property with reverse housing. Your personal advisor will explain all the details of the initial offer, calculated according to your age and an estimate of the value of the property. We take care of all the necessary procedures to formalize the agreement and adapt this very flexible product to your needs.

              We encourage your children or trusted people to accompany you during the signing for your peace of mind and security. The transaction will be registered in the Property Registry to offer you the maximum legal guarantees.. After formalizing the contract, you will receive the agreed money (appraisal minus the rental fee).

                We Offer You a Totally Free Study

                We carry out a study and valuation of your property completely free of charge. After closing the operation before a notary, you can use the amount received as you prefer.

                Enjoy financial freedom!

                  Learn about Real Cases of Our Clients

                  Learn about the experiences of those who have transformed their financial lives with Mas Vida. With many years of experience in the sector and hundreds of satisfied clients, you can totally trust us.

                    Virginia P. Hernanz
                    Virginia P. Hernanz
                    I sold my apartment with this real estate agency. I dealt with Carlos, an 11 as a professional and person. Before even confirming that I had decided to work with them. He does not overwhelm like other real estate agents, he did a market study of the area, professional and serene. Everything went so smoothly. And in less than a month I had it reserved and in 2 sold. Thank you Carlos for everything
                    Emilio Vasco
                    Emilio Vasco
                    It was a success to have chosen and counted on this real estate agency A special mention for Raquel for her attention and management, it has undoubtedly been a success
                    Ines Rubio Recio
                    Ines Rubio Recio
                    We have sold an apartment with them and I have to highlight, apart from the professionalism, the closeness, kindness and availability of both Julián and Raquel. It has been very pleasant to work with them, 100% recommended.
                    Maria Reyes Rubio Araujo
                    Maria Reyes Rubio Araujo
                    In July we used your services for the sale of a house and in November we are signing deeds. Excellent professionals. Our deal was with Evdard. Great professional
                    Laura Vazquez
                    Laura Vazquez
                    The treatment by Edvard has been excellent and very professional. In 3 months they have sold the house
                    Francisco Garcia Herreos
                    Francisco Garcia Herreos
                    I have never been in Madrid on vacation
                    Diego Rodriguez GALINDO
                    Diego Rodriguez GALINDO
                    Good afternoon, I live in Barcelona, ​​I have contacted Mas Vida, for a bare property and the treatment has been exquisite, friendly and has come to a good end. Both by Erick Pancho in Madrid and by Edvard Moller in Barcelona.
                    jose rodriguez
                    jose rodriguez
                    Incredible service, they differ a lot compared to others in the sector. 100% recommended
                    Javier Herreros
                    Javier Herreros
                    We made a reverse mortgage for my mother with them and we received an impeccable service: honest, transparent and efficient. They are highly recommended in a sector in which honesty and seriousness are essential.
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                    Operations carried out throughout Spain

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                    Portfolio investors

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                    Increase in operations this year


                    What amount can I get?

                    The amount to be received results from:

                    • The sale value (for example 350.000 euros).
                    • The life expectancy forecast (for example 10 years), or the period during which you tell us that you want to dispose of the house if it is less.
                    • The value of the lease for said life expectancy (for example, 120.000 euros at a rate of 1.000 euros per month).

                    On the day of signing, 230.000 euros would be received, corresponding to the difference between the purchase price (350.000 euros) and the estimated rent (120.000 euros).

                    If you do not stay in the house for the estimated time, you will be entitled to receive an additional amount, corresponding to the portion of the rent not consumed.

                    What happens if I occupy the house for less time than estimated?

                    That part of the rent not consumed will be paid to you immediately.

                    It is common for life circumstances to vary. Thus, the reverse home is shown to be the most flexible product on the market, since in the event of leaving the house before the estimated term or in the event of death earlier than expected, you or your heirs will receive the unconsumed portion of the lease.

                    Following the previous example, if after 3 years (36 months) the seller/tenant wants to leave the house to go live with a child, they would be entitled to receive an additional amount of 84.000 euros, since 36.000 euros would have been consumed, corresponding 36 monthly installments of 1.000 euros each, out of a total estimated lease of 120.000 euros (120.000 – 36.000 = 84.000).

                    What if I exceed the expected life expectancy? Will I be able to stay in the house? Will I have to pay rent?

                    You will be able to stay in the house as long as you wish, and the only cost you will assume will be the equivalent of the maintenance costs of the property (such as community or supplies).

                    What happens to the spouse in case of death?

                    The reverse dwelling covers both spouses, so that in the event of the death of one of them, the other will continue to occupy the dwelling under the same conditions as the deceased spouse.

                    Is it a safe product? What guarantees does reverse housing offer?

                    It is a completely secure transaction.

                    The lease contract can be registered in the Property Registry and is renewable at the will of the seller/lessee.

                    And what is more important, compliance by the seller/lessee is assured, since they have implicitly left the lease "paid" on the first day,

                    Can I receive the money in the form of a life annuity?

                    That's right, of the money to be received (following the example of 230.000 euros), you can choose what part of it you want to receive on the first day in the form of capital, and what part in the form of a life annuity.

                    For which there is the option of contracting a life annuity with survival insurance so that you receive an income for life.

                    Notwithstanding the foregoing, you are completely free to contract another life annuity product. 

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                    Ready to take the first step towards a worry-free financial life? 

                    Fill out the following form and we will advise you without obligation.

                        Contact us today. Our expert team is here to answer your questions and guide you on the path to a better life.

                            Receive a Free Assessment

                            If you are interested in us doing a Reverse Housing study, we need you to send us the following information to our email

                            • Personal information of the interested party (copy of the NIF, NIE or Passport). 
                            • Documentation of the house (exact address of the property and the last receipt of the Real Estate Tax).
                            • Contact phone number.

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