Sell your property and stay in your home
From €300k
Deferred-payment sale, or for life
Residential property
Selling the bare ownership in figures
Enjoy of your retirement
Under French law, full ownership is split between bare ownership and usufruct.
As an owner, you can sell the walls, the "bare ownership", and keep the usufruct, the use of the property, for a few years or for life for seniors.
Cash
Invest
Gifts
Healthcare costs
Debt
Estate Transfer
Comfort
Deposit
Bridging
Buying property abroad
It is a property transaction
Selling the bare ownership is a property transaction.
It means selling the walls to an investor while staying in your home. The period of use is set at the time of sale, so there are no surprises.
The quality of the property offered
Depending on the location, the quality of the property and the intended length of the usufruct, investors may offer up to 50% of its value.
Residential property
This operation applies only to residential property in high-demand urban areas: primary, second or rental homes.
The property must have a minimum value of €300k.
Instant eligibility and personal support
Press the ‘Get started’ button to test your eligibility instantly. If you are eligible, book a meeting with our team to discuss your project and get support with its financing.
Who can sell their bare ownership?
A few conditions:
You are an owner
Your property is worth over €300k.
Residential property
Generate additional income through wealth leverage
Do you have questions?
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%.
Yes. As with a traditional loan, you must be able to meet your monthly repayments.
Yes. We work with all types of family holding companies (SCI, SARL, holding companies), trading companies and property professionals.
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.
Once the bank file is complete, allow 5 to 7 weeks until the funds are released by the notary.
