Sell your home and receive Guaranteed Rental Income with Grupo Retiro
We offer expert advice to help you optimise your financial resources and enhance your retirement income
- Helping seniors since 1996.
- Over 52,000 people have received expert advice on how to make their homes profitable.

What is a
sale with guaranteed rent?
Sale with Guaranteed Rent, also known as Sale & Leaseback, is a real estate solution where the property owner sells their home but retains the right to use and enjoy it as a tenant, maintaining full usufruct. Along with the property transfer, formalised in a public deed, a rental agreement is simultaneously established between the new owner and the elderly person selling the property under this arrangement, for an agreed-upon period.
Thus, the roles of seller and buyer become that of tenant and landlord, respectively.

When the property sale occurs, a rental agreement is created.
From this moment, the elderly person becomes a tenant and receives the agreed-upon sale price for the property. From then on, they will also pay the rent for the property.
At this point the investor becomes the landlord and, in addition to receiving monthly rental income, they will be responsible for paying all property-related taxes and expenses (property tax, shared building maintenance fees, extraordinary fees, etc.).
Why choose a Sale with Guaranteed Rent?



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Requirements for Sale with Guaranteed Rent
- You must be over 65 years old
- You must be the owner of a house.
Contact us to discuss your specific case, no obligation required.
Advantages and guarantees if you choose to sell your home with Guaranteed Rent
Enjoy the advantages of a substantial income that will enhance your quality of life–all without the need to leave your lifelong home. Continue living in the home you cherish whilst gaining all your rights as a tenant.
The Sale with Guaranteed Rent option is a practical solution if you wish to settle outstanding financial obligations such as mortgages, embargoes or other debts, as well as the means to cover unexpected or essential future expenses. You’ll also have access to surplus capital once these debts have been cleared.
You will no longer have to pay property tax (Impuesto sobre Bienes Inmuebles, or IBI), shared building maintenance costs, extraordinary fees or home insurance.
Take advantage of the tax benefits of leasing for individuals over 65, as the sale of their primary residence is fully exempt from income tax (IRPF).
The sale will be formalised in a public deed of sale before a notary, and will be registered in the Property Registry.
The full purchase price is paid in full at the time of signing before the notary. In cases involving deferred payments as part of the purchase price, a safeguard is implemented. The deed will include a Resolutory Condition, and, therefore, this conditional guarantee is also registered in the Property Registry.
The Rental Contract, which is established at the time of the sale, is also raised to public status and registered in the Property Registry. This process legally protects the tenant’s rights, in accordance with the provisions of the Urban Leasing Law (Article 13.1. LAU). As a result, neither the buyer nor any future rights holders over the property can terminate the rental contract or modify its conditions.
The rental contract is drawn up by lawyers specialising in this type of transaction. They ensure full compliance with the Urban Leasing Law (LAU) requirements whilst consistently prioritising and safeguarding your interests throughout the process. Furthermore, the transaction adheres to all legal requirements, ensuring full compliance with regulatory standards. This includes the handling of the Property Transfer Tax and deposit of the established bond with the relevant regional authorities.
Rest assured knowing that you will receive expert advice and ongoing support of Grupo Retiro, a pioneering leader in Spain since 1996, specialising in Sales with Guaranteed Rent for senior citizens.
Grupo Retiro, the ideal solution for your needs
Grupo Retiro is the ideal solution for your needs. Our team of experts in various fields—law, real estate, economics, and more—will work closely with you to provide the best and most beneficial solutions with your interests in mind.
Our expert team will carefully evaluate your unique situation to determine which of our specialised real estate services—Sale with Guaranteed Rent, Sale of Bare Ownership, Reverse Mortgage, or Real Estate Life Annuities—will best meet your needs and maximise your financial benefits, helping you secure the optimal solution to complement to your retirement pension.
Sale of Bare Ownership
- Transfer ownership of your home in exchange for a one-time payment and reserve the right to remain in your home for as long as you live.
Real Estate Life Annuity
- Get the most money out of your home. Receive a monthly income for life whilst continuing to enjoy and live in your own home. In addition, you’ll be exempt from paying certain property expenses and taxes.
Reverse Mortgage
- Special mortgage for people over 65 years of age. You will receive a fixed monthly income without having to owe any money to the bank. The debt is repaid to the bank upon the death of the holder.
Contact us and request your personalized study
Leave us all your contact information and we will call you FREE