The reverse home sale that
gives you the highest capital
without leaving your home
Convert the value of your home into liquidity without giving it up. The ideal option for
those who need the highest possible capital.
What is a reverse home sale?
Sell at market price
A reverse home sale, also known as a sale with guaranteed rental, is a transaction in which you sell your home for the maximum capital at market price and, at the same time, formalise a lifetime rental agreement.
Keep living in your home
The result: you receive a large lump sum and the certainty that your home remains yours in terms of daily life. A legal, secure transaction signed before a notary.
What do you get with a reverse home sale?
The highest possible capital
By selling full ownership, the amount you receive is higher than with other options.
You remain in your home
The lifetime rental agreement guarantees your right to live in the property.
Legal and secure process
Everything is recorded before a notary.
Free yourself from costs and burdens
By no longer being the owner, you stop worrying about council tax, maintenance charges and other ownership expenses.
Who is a reverse home sale for?
A reverse home sale is ideal if…
You need the highest possible capital from your home
You want to keep living in your home but without the burdens of ownership
You are over 65 and own a property
You are looking for a clear, secure and straightforward solution
What is the difference between a reverse home sale and bare ownership?
Both options allow you to unlock liquidity without leaving your home. The difference lies in how much capital you receive and how your right to stay is regulated.
Reverse Home Sale
Higher, full ownership is sold
Lifetime rental agreement
Assumed by the new owner, except utilities
Those who need the maximum capital
Bare Ownership
Lower, only the bare ownership is sold
Lifelong usufruct by law
Council tax and buildings insurance covered by the buyer
Living free of debts and worries
If your priority is to obtain the highest capital possible, the reverse home sale is the most interesting option. At Futurovital we help you decide with no obligation.
How is the capital I will receive calculated?
The amount depends mainly on three factors:
The market value of your home
We work with real valuations so you receive a fair price.
Your age at the time of the transaction
The older you are, the higher the capital you can obtain.
The agreed monthly rent
The more competitive the rent, the higher the lump sum you receive.
How does the lifetime rental work?
The monthly rent is agreed at the time of sale, fixed by contract with an annual increase in line with the IRAV index, and is designed to maximise the lump sum you receive.
Guaranteed right to stay for life
Nobody can ask you to leave your home. Your right to live in the property is protected by contract from day one.
Fixed conditions
What is agreed at signing governs the entire duration of the contract. No unexpected reviews or unilateral changes.
Protection if the owner changes
If the buyer sells the property, your contract continues to protect you. The new owner is bound to honour the agreed conditions.
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
Would you like to know how much you could get with a reverse home sale? We will prepare a free personalised study with no obligation whatsoever. We calculate the capital you would receive and the monthly rent you would pay so you can make your decision with all the information to hand.
Frequently asked questions about the reverse home sale
How much will I pay in rent each month?
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The rental amount is calculated at the time of the transaction and depends on the value of your property and the agreed conditions. At Futurovital we assess each case individually so that the monthly rent is as low as possible and the capital you receive is as high as possible. We guide and advise you at every step, before you make any decision.
Can the rent go up over time?
The rental conditions are fixed by contract from day one. There are no surprises once the transaction has been formalised before a notary.
Can I do a reverse home sale if I have an outstanding mortgage?
It depends on the outstanding balance. In many cases it is possible to pay off the mortgage with part of the sale proceeds and still receive a significant net capital sum. At Futurovital we analyse your specific situation and explain whether it is viable before you take any steps.
What happens to the property when I pass away?
The property becomes the buyer’s full ownership. Having sold full ownership at the time of the transaction, it does not form part of the estate. Your heirs do not inherit the property, but they also take on no debt or liability related to it.
Can I do a reverse home sale if I live with a partner?
Yes. When there are two owners or cohabiting partners, the lifetime rental agreement can cover both of them, so that neither loses the right to continue living in the property. The conditions are tailored to each couple’s situation.