Pass on wealth your rental portfolio
From €1M
Rates from 4%
Rental property
The sale-to-self / OBO / FBO in figures
Optimise the transfer of your property and release cash
Pass a residential or commercial rental portfolio on to your children with a "sale-to-self" operation, sometimes called a property OBO.
This operation involves selling a rental property portfolio to a family company, which takes on debt. You can then pass the company shares on to your children.
Often praised, it remains delicate to set up and to deliver real wealth benefits. It must be carefully prepared by experts.
Cash
Liquidity
Estate Transfer
Property
Rental
SCI
Family
Wealth
Anticipate and optimise the transfer
Planning your succession through an OBO helps preserve family cohesion while maximising household liquidity and optimising inheritance tax.
We offer a complete service to set up your OBO.
Validating the operation
First, we help you validate the operation by assessing its feasibility and viability. We work on operations over €1M.
Structuring
Next, our financial engineering team helps you structure it in close collaboration with our experts: tax specialist, notary...
Financing
Finally, we seek financing for the operation from our network of specialist partner banks.
Who can carry out a sale-to-self / OBO / FBO?
Several important criteria to consider:
You own a long-held rental property portfolio
You have cash flows to repay the loan
You are a French tax resident
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.
