The property lifetime annuity that pays you every month without leaving your home
With a property lifetime annuity you receive a fixed income every month without selling your home or leaving it. Your home remains yours, and you get paid for it.
What is a property lifetime annuity?
Transfer your home in exchange for income
A property lifetime annuity is a transaction in which you transfer the ownership of your home in exchange for receiving a fixed monthly income for the rest of your life — like a guaranteed private pension.
Keep living in your home
You continue in your home exactly as you do now. It is the ideal solution if you prefer stable, recurring income rather than receiving a large lump sum all at once.
Why choose a property lifetime annuity?
A fixed income every month, for life
You receive a fixed amount every month, no matter what.
You keep the right to live in your home
Your lifelong usufruct is legally protected.
No debts or mortgages
You take on no payment obligations whatsoever.
The perfect pension top-up
Ideal for those who want to boost their monthly income and maintain their quality of life.
Total security
Everything is formalised before a notary with full legal guarantees.
Who is a property lifetime annuity right for?
A property lifetime annuity is for you if…
You prefer to receive monthly payments rather than a one-time lump sum
You want to supplement your pension in a stable way
You own a property and are over 65
You are looking for long-term financial security without leaving your home
Lifetime annuity or bare ownership: which suits you best?
Both options allow you to unlock liquidity without leaving your home. The difference lies in how you prefer to receive the capital.
Lifetime Annuity
Monthly, for life
Supplementing your pension
Income guaranteed by contract
You remain in your home
Bare Ownership
One-time lump sum at signing
Immediate liquidity needs
Lifelong usufruct by law
You remain in your home
At Futurovital we assess your situation and recommend the option that suits you best.
How much could you receive per month?
The monthly amount you receive depends on:
The market value of your home
Your age at the time of the transaction
The older you are and the higher the value of your home, the greater the monthly
income you can obtain. Request your free personalised study and we will
calculate it for you with no obligation.
How does the lifetime annuity payment work?
The income is agreed before signing and is contractually guaranteed from day one.
Fixed income from the first month
The amount is agreed before signing. You know exactly how much you will receive and when, with no surprises.
Protection against non-paymen
Should there be any breach of contract, you automatically recover full ownership of your home and keep all the income already received.
Income for life, without exception
Payments have no end date. As long as you are alive, the income arrives. It can also be extended to an agreed beneficiary.
Signed before a notary
We formalise the transaction with full legal guarantees. Complete legal security from the very first moment.
Request your free personalised study
Let’s talk with no obligation. We help you understand whether this is the best option for you and calculate how much you could receive each month.
Frequently asked questions about the property lifetime annuity
What happens to the income when I pass away?
You will receive your income for the rest of your life. Upon your passing, it comes to a natural end.
What happens if the buyer stops paying me?
At Futurovital we establish a resolutory condition in the contract: should there be any breach, you would automatically recover full ownership of your home, keeping all the monthly payments received up to that point. Your wellbeing and peace of mind are always our priority.
From what age can I apply for a property lifetime annuity?
In general, this transaction is designed for people over 65 who own a property. The older you are, the better the conditions you can obtain. At Futurovital we assess each case individually and with no obligation.
How long does the process take?
The usual process takes between 4 and 8 weeks from the first contact to signing before a notary. At Futurovital we guide you through every step so that everything is clear and without any rush.
Can I apply if I live with a partner or a family member?
Yes. The conditions can be adapted so that the right to use the property also covers your partner or cohabiting person. This is something that is defined before signing so that both of you are protected.