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Pass on wealth

Pass on wealth your assets to your children

Planning your succession helps preserve family cohesion and reduce the tax your heirs will pay on the estate.

Property dealer

Amount €800k – €10M

Rates from 4%

Cash, tax, estate transfer

Your needs

Anticipate & optimise
‍
the transfer

We help you design the best solution to support family harmony, control the tax impact and preserve your quality of life.

Our team supports you with questions about passing on your assets and financing the transfer: splitting ownership, gifts, sale-to-self...

Cash

Use leverage

Pass on wealth

Major renovation

OBO

Sale-to-self

Tax optimisation

Use cases

They optimised with Hyppo

Investment and estate transfer
Marc has owned a rental building in Paris since 1987 and wants to pass it on to his children.
Hyppo supports him in setting up a family company that will buy the building from him, then in gifting the company shares to his children
Older man with white hair and glasses, in a light blue shirt, giving two thumbs up in front of a bright window
Marc B
72, owner in Saint-Germain
Financing gifts
Stéphane and his wife are 59 and want to help their children while benefiting from tax allowances.
Hyppo helps them finance €680,000 secured by their property
Man with wavy white hair and round glasses, holding a corgi puppy in his arms, in a forest
Stéphane B
59, in Lyon
Testimonials

What our clients say

"I arrived feeling rather low in the middle of a divorce. The Hyppo team really listened and offered solutions that fitted my situation. It helped me a lot."
Jacques A.
€821,345 financed
"No bank would back me, but Hyppo found us €4.3M of financing to keep investing, through a security trust structure. Well done!"
Amanda P.
€4,334,710 financed
"I came to Hyppo to set up a sale-to-self and its financing. Thanks to this clever structure, I optimised the transfer of my rental portfolio."

‍
Louis B.
€1,421,230 financed
"I refinanced to make gifts to my children. Thank you, Hyppo."
Maeva C.
€528,210 financed
"When our bank would no longer lend to us, we still found financing, even at 67! It's wonderful!"
Bertrand M.
€848,565 financed
"The Hyppo team really listened and offered solutions that fitted my situation. It let me keep investing and helped me diversify my assets."
Jean P.
€236,998 financed
"I was lucky to come across you: professional and efficient. I was able to release a significant amount to keep investing thanks to an innovative solution."
Anonymous client
Les Echos
Le Monde
Capital
Sud Ouest
Maddyness
Le Figaro
Smiling woman checking her smartphone, next to a "Hyppo loan €150,000" card and the amount available

Generate additional income through wealth leverage

What rates do you offer?

Refinancing rates are always slightly higher than your high-street bank's and vary with the need and the borrower. As a guide, as at 9 November 2026, an equity release loan starts from 4% for an individual and from 4.2% for a family holding company; the wealth loan and the security trust from 4.5%, property leasing from 5%.

Do I need to be able to repay my loan?

Yes. As with a traditional loan, you must be able to meet your monthly repayments.

Do you finance companies?

Yes. We work with all types of family holding companies (SCI, SARL, holding companies), trading companies and property professionals.

What is a mortgage guarantee?

An equity release loan is secured by a mortgage registered with a notary on the property. A mortgage is an alternative to other guarantees such as a personal guarantee or a pledge. The guarantee always plays a supporting role and never removes the need to be solvent to repay the loan.

How long does it take to set up?

Once the bank file is complete, allow 5 to 7 weeks until the funds are released by the notary.