Más Vida (Aún Más Vida)

Financial options for older homeowners

Más Vida (Aún Más Vida) is a Spanish company focused on financial arrangements for older adults and people approaching retirement who want to access the value of their home without moving. Its services include selling bare ownership, property-backed lifetime annuities, reverse mortgages, and related options.

Available arrangements

• Bare-ownership sale: The owner sells the property while retaining a lifetime usufruct—the legal right to continue living there without paying rent. The seller receives an upfront payment and may also choose a guaranteed monthly income. The usufruct is registered with the Property Registry.
• Property-backed lifetime annuity: Lifetime monthly payments while retaining the usufruct, with the company stating that the payments are guaranteed.
• Reverse mortgage: A lump sum, monthly payments, or a combination, while retaining ownership and making no regular principal payments; repayment may take place during the owner’s lifetime or after death.
• Sale with guaranteed rent: A large upfront payment combined with a lifetime rental agreement and legal safeguards.
• “Reverse housing”: A lump sum or monthly payments plus a rental allowance, with a lifetime lease.
• Teleassistance: An optional assistance service.

Eligibility and process

The company says applicants should preferably be at least 60 and own a property. The process starts with a meeting to understand the homeowner’s needs, followed by an internal review and several payment proposals. The company then looks for an investor willing to purchase the property under the agreed terms. The transaction is completed before a notary and registered with the Property Registry.

Company-reported activity

Más Vida reports more than 1,000 completed transactions across Spain, a portfolio of more than 3,000 investors, and a 30% increase in transactions over the previous year. It offers a free, personalized valuation and no-obligation advice. After closing, the company says its team remains a point of contact for usufruct holders handling matters with the buyer.