Financing a gift: help your children without selling your property
Want to help a child buy, or give a sum during your lifetime? You don't have to sell: a property you keep can secure a loan that funds the gift. Hyppo, as a broker, seeks the financing for you.
A personal reply from an adviser
- Give without selling your property
- Amortising or interest-only
- Unencumbered property, or loan bought out
Your wealth is in bricks and mortar, but a gift is often made in cash. Rather than selling, you borrow against a property you keep. The funds are used for the gift, and the property remains yours.
Hyppo is a broker: it does not lend. It finds the structure that spares your income and compares offers among more than 65 partner banks. For your overall estate transfer, see also our page passing on your wealth.
For which projects?
Help a child buy their main home or build their deposit.
Give a sum of money to your children or grandchildren, during your lifetime.
Balance gifts between your children when one has already received a property.
Keep your home or rental properties, and their rent.
As a guide: a residential property worth at least €300,000, unencumbered or with its remaining loan bought out by the new loan, and financing from €100,000. Proof of the intended use of funds is required.
Examples of financed gifts
Helping a child buy
Your daughter is buying her main home. The loan, secured by your flat, funds the gift that completes her deposit.
Balancing between your children
The eldest has already received a property. A cash gift to the youngest restores the balance, without selling the family home.
Keep your rent
Your rental properties supplement your retirement. You borrow against one of them rather than selling it, and keep its rent.
What Hyppo does for you
- 01
You know what your property can secure: up to 80% of its value, depending on your file.
- 02
The structure that suits you: amortising, or interest-only to lighten your repayments.
- 03
Work in liaison with your notary, who prepares the gift and calculates the duties.
- 04
Several offers compared for you, with no investment or account transfer required in return.
How it works
You check your eligibility online in 5 minutes.
You prepare the gift with your notary: amount, beneficiaries, duties payable.
You send the title deed, your income details and the gift plan, then the property is valued.
You receive the loan offer, sign at the notary's and receive the funds to give.
Why go through Hyppo to finance a gift?
Several offers compared
Hyppo compares several offers for you, rather than leaving you waiting for just one.
A loan suited to your situation
Amortising or interest-only: the structure is chosen according to your income, your retirement and what you intend to do with the property.
Fees after the funds
Hyppo's fees, from 1% to 6% of the amount financed, are due only after the funds are released.
A registered broker
Hyppo (REFI Technologies) is registered with ORIAS under number 23005573 as an intermediary in banking operations and payment services.
Frequently asked questions
Another question about your situation? A Hyppo adviser will answer.
Can you borrow to make a gift?
Yes. A loan secured by your property can finance a gift, with proof of the use of funds. You are the one who borrows and repays: the debt remains yours, not the child's who receives.
Can you borrow in retirement?
Yes, depending on your file. Your pensions and rent count as income. Debt-to-income can go up to 50% with high disposable income. An interest-only loan, where you pay only the interest, lightens the repayments.
Amortising or interest-only: which to choose?
With an amortising loan, you repay part of the capital and the interest each month. With an interest-only loan, you pay only the interest and repay the capital in one go at the end, for example from the sale of a property. Interest-only lightens the repayments but costs more interest over the term.
How much does Hyppo's support cost?
Hyppo's fees range from 1% to 6% of the amount financed and are due only after the funds are released. Arrangement fees and the property valuation remain at your expense. As a guide, rates start from 4%.
