{"id":2581,"date":"2026-09-30T10:44:28","date_gmt":"2026-09-30T08:44:28","guid":{"rendered":"https:\/\/futurovital.com\/?p=2581"},"modified":"2026-09-30T11:07:04","modified_gmt":"2026-09-30T09:07:04","slug":"what-is-a-reverse-home-sale","status":"publish","type":"post","link":"https:\/\/futurovital.com\/en\/what-is-a-reverse-home-sale\/","title":{"rendered":"What is a reverse home sale? How it works and how much money you can get for your home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2581\" class=\"elementor elementor-2581 elementor-2580\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc6c17e e-flex e-con-boxed e-con e-parent\" data-id=\"fc6c17e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-614d940 elementor-widget elementor-widget-text-editor\" data-id=\"614d940\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-lfile-container=\"265944a8-12b5-4ef8-b2ee-79e2cad25d2d\" data-pm-slice=\"1 1 []\"><strong>What is a reverse home sale, in one sentence:<\/strong> it is a transaction in which you sell your home for a lump sum and, at the same notary signing, take out a lifetime lease so you can keep living in it for the rest of your life.<\/p><p>If you are over 65, own your home in Spain and would like more financial breathing room, you have probably wondered how to release money from your property without moving out. A reverse home sale is one of the answers, and one of the least known.<\/p><p>In this guide we explain what a reverse home sale is, how it works step by step, how much money you can expect and how it compares with bare ownership and a reverse mortgage.<\/p><h2 id=\"what-is-a-reverse-home-sale\" data-lfile-container=\"265944a8-12b5-4ef8-b2ee-79e2cad25d2d\" data-pm-slice=\"1 1 []\">\u00a0<\/h2><h2 id=\"what-is-a-reverse-home-sale\" data-lfile-container=\"265944a8-12b5-4ef8-b2ee-79e2cad25d2d\" data-pm-slice=\"1 1 []\">What is a reverse home sale?<\/h2><p>A reverse home sale turns your home into cash without making you leave it. It combines <strong>two contracts signed at the same time<\/strong>: a sale and a lifetime lease.<\/p><ul><li>Through the <strong>sale<\/strong>, you sell full ownership of your home and receive a lump sum.<\/li><li>Through the <strong>lifetime lease<\/strong>, you become the tenant of your own home, with the right to live there for life.<\/li><\/ul><p>In Spain it is called <em>vivienda inversa<\/em> or <em>venta con alquiler garantizado<\/em>. In English you may also see it described as a <strong>sale and leaseback<\/strong> or &#8220;sell and rent back&#8221;. Day to day, nothing changes: same front door, same neighbours. What changes is the name on the Land Registry.<\/p><h3 id=\"why-is-it-called-reverse\">\u00a0<\/h3><h3 id=\"why-is-it-called-reverse\">Why is it called &#8220;reverse&#8221;?<\/h3><p>In a normal sale, the seller moves out and the buyer moves in. In a reverse home sale it is the other way round: the buyer is an investor who does not live in the property, and the seller stays on as a tenant.<\/p><h3 id=\"is-it-the-same-as-a-reverse-mortgage-or-equity-release\">\u00a0<\/h3><h3 id=\"is-it-the-same-as-a-reverse-mortgage-or-equity-release\">Is it the same as a reverse mortgage or equity release?<\/h3><p>No, and it is the most common mix-up. A <strong>reverse mortgage<\/strong> is a loan: you remain the owner, the bank advances you money secured on your home, and your heirs must repay the debt. In a <strong>reverse home sale<\/strong> there is no loan and no debt: you sell and get paid.<\/p><h2 id=\"how-does-a-reverse-home-sale-work-step-by-step\">\u00a0<\/h2><h2 id=\"how-does-a-reverse-home-sale-work-step-by-step\">How does a reverse home sale work? Step by step<\/h2><p>A reverse home sale works in five steps, from the first call to the notary signing. With Futurovital the process looks like this:<\/p><ol><li><strong>Tell us about your situation.<\/strong> No obligation and fully confidential: your age, the property, any outstanding mortgage and what you need.<\/li><li><strong>We value your home for free.<\/strong> Its market value is set by a real valuation.<\/li><li><strong>We present the proposal.<\/strong> The lump sum you receive, the monthly rent you will pay and the lease terms, explained in plain English.<\/li><li><strong>You sign before a Spanish notary.<\/strong> The sale and the lifetime lease are signed together, and you receive the capital at that moment.<\/li><li><strong>You keep living in your home.<\/strong> You pay the agreed monthly rent; the new owner covers ownership costs except utilities.<\/li><\/ol><h3 id=\"how-does-the-lifetime-lease-work\">\u00a0<\/h3><h3 id=\"how-does-the-lifetime-lease-work\">How does the lifetime lease work?<\/h3><p>The lifetime lease is what guarantees you can stay. Its key points:<\/p><ul><li><strong>It lasts for life.<\/strong> Nobody can ask you to leave while you live.<\/li><li><strong>Rent agreed at signing.<\/strong> It is updated once a year in line with the IRAV, the official Spanish rental index published by the INE, which moved between 2.1% and 2.5% in 2026.<\/li><li><strong>Protection if the property changes hands.<\/strong> If the buyer sells, the new owner must honour your contract.<\/li><li><strong>Cover for couples.<\/strong> If two people live there, the lease can protect both.<\/li><\/ul><h3 id=\"which-costs-do-you-pay\">\u00a0<\/h3><h3 id=\"which-costs-do-you-pay\">Which costs do you pay?<\/h3><p>Once you are no longer the owner, you stop paying IBI (the Spanish council tax), community levies and buildings insurance. You only pay the monthly rent and your utilities (electricity, water, gas, internet).<\/p><h2 id=\"how-much-money-can-you-get-from-a-reverse-home-sale\">\u00a0<\/h2><h2 id=\"how-much-money-can-you-get-from-a-reverse-home-sale\">How much money can you get from a reverse home sale?<\/h2><p>A reverse home sale typically releases <strong>between 50% and 80% of your home&#8217;s market value<\/strong>, according to market data compiled by BBVA Mi Jubilaci\u00f3n. It is the option that pays the most of all those that let you stay at home, because you sell full ownership.<\/p><h3 id=\"the-three-factors-that-set-the-figure\">\u00a0<\/h3><h3 id=\"the-three-factors-that-set-the-figure\">The three factors that set the figure<\/h3><ol><li><strong>Your home&#8217;s market value.<\/strong> Location, size, condition and local demand. That is why the valuation must be real, not a guess.<\/li><li><strong>Your age at signing.<\/strong> The older you are, the fewer years of rent are expected and the larger the lump sum can be.<\/li><li><strong>The monthly rent you agree.<\/strong> It is a balance: a lower rent leaves more capital in your hands at signing.<\/li><\/ol><h3 id=\"illustrative-example\">\u00a0<\/h3><h3 id=\"illustrative-example\">Illustrative example<\/h3><p>Take Margaret, 78, who owns an apartment on the Costa del Sol worth \u20ac250,000. Within the usual market range, she could receive <strong>between \u20ac125,000 and \u20ac200,000<\/strong> as a lump sum and keep living in her apartment, paying a monthly rent.<\/p><p>By comparison, a reverse mortgage on the same home usually lends 20% to 30% of its value, around \u20ac50,000 to \u20ac75,000, and leaves a debt for the heirs.<\/p><p><em>These figures are for illustration only. Your actual offer depends on the valuation and the agreed terms.<\/em><\/p><p><strong>Want your real figure?<\/strong> Request your <a href=\"https:\/\/futurovital.com\/en\/bare-ownership-calculator\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">free, no-obligation valuation<\/a>: we calculate the capital you would receive and the rent you would pay.<\/p><h2 id=\"reverse-home-sale-vs-bare-ownership-reverse-mortgage-and-lifetime-annuity\">\u00a0<\/h2><h2 id=\"reverse-home-sale-vs-bare-ownership-reverse-mortgage-and-lifetime-annuity\">Reverse home sale vs bare ownership, reverse mortgage and lifetime annuity<\/h2><p>The reverse home sale pays the most; bare ownership avoids rent; the lifetime annuity gives monthly income; and the reverse mortgage is the only one where you do not sell.<\/p><table><colgroup> <col \/> <col \/> <col \/> <col \/> <col \/> <col \/> <col \/><\/colgroup><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>Option<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>What happens to your home<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>How you are paid<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Indicative amount<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>You keep living there<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Monthly payment<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>Heirs<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Reverse home sale<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>You sell full ownership<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Lump sum<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>50\u201380% of value<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Yes, as lifetime tenant<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Rent<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>No home, no debt<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Bare ownership<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>You sell ownership, keep the usufruct<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Lump sum<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>30\u201375% by age<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Yes, as usufructuary<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>No rent<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>No home, no debt<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Lifetime property annuity<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>You sell in exchange for a pension<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Monthly income for life<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Depends on age and value<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Yes<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>No rent<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>No home<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>Reverse mortgage<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>You remain the owner<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Loan, monthly or lump sum<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>20\u201330% of value<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Yes<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>None<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>Home plus the debt<\/p><\/td><\/tr><\/tbody><\/table><h3 id=\"reverse-home-sale-vs-bare-ownership\">\u00a0<\/h3><h3 id=\"reverse-home-sale-vs-bare-ownership\">Reverse home sale vs bare ownership<\/h3><p>With <a href=\"https:\/\/futurovital.com\/en\/sell-bare-ownership\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">bare ownership<\/a> you keep the usufruct by law: you pay no rent and could even let the property to someone else. In return, you receive less capital. With a reverse home sale you get more, but you pay rent and, as a tenant, cannot sublet.<\/p><h3 id=\"reverse-home-sale-vs-reverse-mortgage\">\u00a0<\/h3><h3 id=\"reverse-home-sale-vs-reverse-mortgage\">Reverse home sale vs reverse mortgage<\/h3><p>A reverse mortgage is a loan whose interest grows every month. When you pass away, your heirs must repay it or sell the home to clear it. It is also rare in Spain: according to the General Council of Notaries, only 305 were signed nationwide in 2024.<\/p><h3 id=\"reverse-home-sale-vs-lifetime-property-annuity\">\u00a0<\/h3><h3 id=\"reverse-home-sale-vs-lifetime-property-annuity\">Reverse home sale vs lifetime property annuity<\/h3><p>With a <a href=\"https:\/\/futurovital.com\/en\/lifetime-property-annuity\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">lifetime property annuity<\/a> you receive a guaranteed monthly income rather than a large sum. It suits you better if you want to top up your pension each month.<\/p><h2 id=\"pros-and-cons-of-a-reverse-home-sale\">\u00a0<\/h2><h2 id=\"pros-and-cons-of-a-reverse-home-sale\">Pros and cons of a reverse home sale<\/h2><p>A reverse home sale makes sense if you need maximum capital and can afford a monthly rent; it does not if your priority is leaving the home to your children.<\/p><h3 id=\"pros\">Pros<\/h3><ul><li><strong>The highest lump sum<\/strong> of all the options that let you stay at home.<\/li><li><strong>No loans, no debt<\/strong>: no interest and nothing left for your heirs to repay.<\/li><li><strong>You stay in your home for life<\/strong>, protected by contract.<\/li><li><strong>No more IBI, community levies or structural repairs.<\/strong><\/li><li><strong>A secure transaction<\/strong>, signed and recorded before a notary.<\/li><\/ul><h3 id=\"cons\">Cons<\/h3><ul><li><strong>You pay a monthly rent<\/strong>, updated every year.<\/li><li><strong>The home does not pass to your heirs<\/strong>, although they inherit no debt either.<\/li><li><strong>You cannot let the property to others<\/strong>, which the usufruct would allow.<\/li><li><strong>It is hard to reverse<\/strong>: talk it through with your family and an adviser before signing.<\/li><\/ul><h2 id=\"requirements-for-a-reverse-home-sale\">\u00a0<\/h2><h2 id=\"requirements-for-a-reverse-home-sale\">Requirements for a reverse home sale<\/h2><ul><li>Being the <strong>owner<\/strong> of the property (if there are several owners, all must agree).<\/li><li>Generally, being <strong>65 or older<\/strong>.<\/li><li>The property being <strong>free of charges or with a small mortgage<\/strong>, which can often be paid off from the sale proceeds.<\/li><li>For the tax benefits, the home must be your <strong>main residence<\/strong> in Spain.<\/li><\/ul><h2 id=\"what-taxes-apply-to-a-reverse-home-sale-in-spain\">\u00a0<\/h2><h2 id=\"what-taxes-apply-to-a-reverse-home-sale-in-spain\">What taxes apply to a reverse home sale in Spain?<\/h2><p>If you are a <strong>Spanish tax resident aged 65 or over<\/strong> and sell your main residence, <strong>the capital gain is exempt from Spanish income tax (IRPF)<\/strong> under article 33.4 of Law 35\/2006. Spain treats a home as your main residence if you have lived there continuously for at least the three years before the sale.<\/p><p>Keep in mind:<\/p><ul><li>You still <strong>have to declare<\/strong> the sale in your tax return and claim the exemption.<\/li><li>The <strong>municipal plusval\u00eda tax<\/strong> is usually still payable, unless the land has not gained value.<\/li><li>If you are <strong>not tax resident in Spain<\/strong>, different rules apply (non-resident income tax and a withholding on the sale price). Get advice before signing.<\/li><\/ul><p>In joint ownership, the exemption only covers the share of the owner aged 65 or over. Always check your case with a tax adviser.<\/p><h2 id=\"frequently-asked-questions-about-reverse-home-sales\">\u00a0<\/h2><h2 id=\"frequently-asked-questions-about-reverse-home-sales\">Frequently asked questions about reverse home sales<\/h2><h3 id=\"what-is-a-reverse-home-sale-and-how-does-it-work\">\u00a0<\/h3><h3 id=\"what-is-a-reverse-home-sale-and-how-does-it-work\">What is a reverse home sale and how does it work?<\/h3><p>It is the sale of your home combined with a lifetime lease. You receive a lump sum when you sign before a notary and keep living there, paying an agreed monthly rent.<\/p><h3 id=\"how-much-do-you-get-from-a-reverse-home-sale\">How much do you get from a reverse home sale?<\/h3><p>As a guide, between 50% and 80% of the home&#8217;s market value. The exact figure depends on the valuation, your age and the rent agreed.<\/p><h3 id=\"can-i-be-evicted-after-a-reverse-home-sale\">Can I be evicted after a reverse home sale?<\/h3><p>No. The lifetime lease guarantees your right to live in the property for life, even if the buyer sells it to someone else.<\/p><h3 id=\"can-i-do-a-reverse-home-sale-if-i-still-have-a-mortgage\">Can I do a reverse home sale if I still have a mortgage?<\/h3><p>It depends on the outstanding balance. The mortgage can often be paid off from the sale proceeds, still leaving a significant net sum.<\/p><h3 id=\"what-happens-to-the-home-when-i-pass-away\">What happens to the home when I pass away?<\/h3><p>It becomes the buyer&#8217;s property. It does not form part of your estate, but your heirs inherit no debt or charge linked to it either.<\/p><h3 id=\"can-couples-do-a-reverse-home-sale\">Can couples do a reverse home sale?<\/h3><p>Yes. The lifetime lease can cover both partners, so neither loses the right to stay.<\/p><h3 id=\"is-a-reverse-home-sale-better-than-a-reverse-mortgage\">Is a reverse home sale better than a reverse mortgage?<\/h3><p>If you need a large sum and do not want to leave debts, a reverse home sale is usually the better fit. A reverse mortgage only suits you if your heirs want to keep the home and can repay the loan.<\/p><h2 id=\"conclusion-is-a-reverse-home-sale-right-for-you\">\u00a0<\/h2><h2 id=\"conclusion-is-a-reverse-home-sale-right-for-you\">Conclusion: is a reverse home sale right for you?<\/h2><p>A reverse home sale is the way to get the most money from your home without moving out. It is ideal if you need liquidity now, want to be free of ownership costs and are not set on leaving the property to your heirs.<\/p><p>Every case is different, so it pays to run the numbers calmly. At Futurovital we guide you personally, with no hidden fees and everything signed before a notary.<\/p><p><a href=\"https:\/\/futurovital.com\/en\/reverse-home-sale\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><strong>Request your free reverse home sale study<\/strong><\/a> or <a href=\"https:\/\/futurovital.com\/en\/contact\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">speak to an adviser<\/a> on +34 951 41 66 66.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be4a1f7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"be4a1f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/futurovital.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let's talk<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e818e1 elementor-widget elementor-widget-html\" data-id=\"7e818e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@graph\": [\r\n    {\r\n      \"@type\": \"BlogPosting\",\r\n      \"headline\": \"What is a reverse home sale? 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