{"id":3309,"date":"2026-03-18T10:36:26","date_gmt":"2026-03-18T09:36:26","guid":{"rendered":"https:\/\/v3.pellicerheredia.com\/reverse-mortgage\/"},"modified":"2026-05-19T09:37:56","modified_gmt":"2026-05-19T07:37:56","slug":"reverse-mortgage","status":"publish","type":"page","link":"https:\/\/www.pellicerheredia.com\/en\/reverse-mortgage\/","title":{"rendered":"Reverse mortgage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3309\" class=\"elementor elementor-3309 elementor-3249\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a47b468 e-flex e-con-boxed e-con e-parent\" data-id=\"a47b468\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e8d9a0f e-flex e-con-boxed e-con e-parent\" data-id=\"e8d9a0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcb98f5 elementor-widget elementor-widget-image\" data-id=\"fcb98f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"658\" height=\"82\" src=\"https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/santander_Mapfre.png\" class=\"attachment-large size-large wp-image-3296\" alt=\"LOGO MAPFRE\" srcset=\"https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/santander_Mapfre.png 658w, https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/santander_Mapfre-300x37.png 300w\" sizes=\"(max-width: 658px) 100vw, 658px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92b8479 elementor-widget elementor-widget-heading\" data-id=\"92b8479\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Reverse mortgage for expats aged 65 and over<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c09b720 elementor-widget elementor-widget-heading\" data-id=\"c09b720\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A solution that lets you enjoy the present whilst thinking about the future. Because living with peace of mind is also part of your legacy <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc1147c elementor-widget elementor-widget-text-editor\" data-id=\"dc1147c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Increase the value of your home in Spain without selling it. If you are an <strong>expat aged 65 or over and need additional liquidity,<\/strong> a <strong> reverse mortgage<\/strong> offers a practical and secure way to generate income from your property whilst continuing to live in it. This loan solution provides you with a <strong>lifelong monthly income<\/strong> so you can enjoy your retirement with peace of mind, retain full ownership and avoid unnecessary stress.  <\/p>\n<p>At <strong>Pellicer &amp; Heredia<\/strong>, we help older people explore this option with legal clarity and personalised support. Our reverse <strong>mortgage services review<\/strong> each case to ensure that the terms are fair, transparent and tailored to your needs. This enables you to make informed decisions about your future with complete confidence. perpetual annuities to enjoy your retirement with peace of mind, retain full ownership and avoid <strong>unnecessary stress.<\/strong>  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52c8204 elementor-widget elementor-widget-image\" data-id=\"52c8204\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"795\" height=\"1080\" src=\"https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp.png\" class=\"attachment-full size-full wp-image-722\" alt=\"\" srcset=\"https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp.png 795w, https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp-221x300.png 221w, https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp-754x1024.png 754w, https:\/\/www.pellicerheredia.com\/wp-content\/uploads\/esp-768x1043.png 768w\" sizes=\"(max-width: 795px) 100vw, 795px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a657b43 e-flex e-con-boxed e-con e-parent\" data-id=\"a657b43\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76b6b2d elementor-widget elementor-widget-heading\" data-id=\"76b6b2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Would you like to find out more about our reverse mortgage service?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3a43cf elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a3a43cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are over 65 and own a property in Spain, we can help you explore your options with clarity and legal certainty. Contact us today and one of our solicitors will guide you through the process in a personalised consultation. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbb398c elementor-button-align-start elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-4367 elementor-global-295 elementor-widget-form\" data-id=\"dbb398c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Global Form\" aria-label=\"Global Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"3309\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"dbb398c\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tName\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-60 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-phone elementor-col-40 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-phone\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPhone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<span class=\"ccfef-editor-intl-input\" data-id=\"form-field-phone\" data-field-id=\"403e859\" data-default-country=\"es\" data-include-countries=\"\" data-exclude-countries=\"\" data-dial-code-visibility=\"show\" data-strict-mode=\"no\" style=\"display: none;\"><\/span>\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[phone]\" id=\"form-field-phone\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Phone\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-html elementor-field-group elementor-column elementor-field-group-field_1dfde64 elementor-col-100\">\n\t\t\t\t\tIn which country do you currently reside?\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-country elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-country\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tCountry\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[country]\" id=\"form-field-country\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Country\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-privacy elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-privacy\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPrivacy\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[privacy]\" id=\"form-field-privacy\" class=\"elementor-field elementor-size-lg  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-privacy\">I confirm that I have read and accept the <a href=\"https:\/\/www.pellicerheredia.com\/en\/privacy-policy\/\" style=\"color: #A70D53;\"><u>Privacy Policy.<\/u><\/a><\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-fuente elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[fuente]\" id=\"form-field-fuente\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" value=\"WEB\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-interes elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[interes]\" id=\"form-field-interes\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" value=\"Reverse mortgage\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-md\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02f2ff3 e-flex e-con-boxed e-con e-parent\" data-id=\"02f2ff3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4785f3 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b4785f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M17 9h2V7h-2zm0 4h2v-2h-2zm0 4h2v-2h-2zm0 4v-2h4V5h-9v1.4l-2-1.45V3h13v18zM1 21V11l7-5l7 5v10H9v-5H7v5zm2-2h2v-5h6v5h2v-7L8 8.45L3 12zm8 0v-5H5v5v-5h6z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhat is a reverse mortgage?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThis is a financial solution designed for homeowners aged 65 and over who wish to <b>access additional income without selling their property.<\/b> In Spain, the Santander-MAPFRE model allows you to receive monthly payments backed by the value of your home. <b>You remain the owner,<\/b> continue to live in the property and do not have to pay anything during your lifetime. \n When the time comes, <b> your heirs will decide how to repay the loan:<\/b> by selling, refinancing or using their own funds. In any case, the repayment amount will never exceed the market value of the property.  \n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9469302 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"9469302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M19 14V7.5L14 4L9 7.5V9H7V6.5l7-5l7 5V14zm-4.5-6h1V7h-1zm-2 0h1V7h-1zm2 2h1V9h-1zm-2 0h1V9h-1zM7 18.5l6.95 1.9l5.95-1.85q-.125-.225-.363-.388T19 18h-5.05q-.675 0-1.075-.05t-.825-.2l-2.325-.775l.55-1.95l2.025.675q.425.125 1 .2t1.7.1q0-.275-.162-.525t-.388-.325L8.6 13H7zM1 22V11h7.6q.175 0 .35.038t.325.087L15.15 13.3q.825.3 1.338 1.05T17 16h2q1.25 0 2.125.825T22 19v1l-8 2.5l-7-1.95V22zm2-2h2v-7H3z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHow does it work?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThis is a financial solution designed for homeowners aged 65 and over who wish to <b>access additional income without selling their property.<\/b> In Spain, the Santander-MAPFRE scheme allows you to receive monthly payments backed by the value of your home. <b>You remain the owner,<\/b> continue to live in the property and do not have to make any repayments during your lifetime. When the time comes, <b>your heirs will decide how to settle the loan:<\/b> by selling, refinancing or using their own funds.  \n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ffe05ef e-con-full e-flex e-con e-child\" data-id=\"ffe05ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-55a6c57 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"55a6c57\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d041f47 e-con-full e-flex e-con e-child\" data-id=\"d041f47\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be1cfcd e-con-full e-flex e-con e-child\" data-id=\"be1cfcd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a37dae elementor-widget elementor-widget-heading\" data-id=\"2a37dae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Benefits for foreign retirees and older homeowners<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db47fe3 elementor-widget elementor-widget-text-editor\" data-id=\"db47fe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"84\" data-end=\"194\"><strong data-start=\"84\" data-end=\"125\">A guaranteed lifetime income, <\/strong> providing you with a monthly annuity based on the value of your home.<\/li><li data-start=\"197\" data-end=\"250\"><strong data-start=\"197\" data-end=\"250\">Continue to live in your own home with complete freedom.<\/strong><\/li><li data-start=\"253\" data-end=\"339\"><strong data-start=\"253\" data-end=\"283\">Tax-free payments.<\/strong> The money you receive from a reverse mortgage is tax-free.<\/li><li data-start=\"342\" data-end=\"491\"><strong data-start=\"342\" data-end=\"408\">Their heirs will not be obliged to take on unpayable debts;<\/strong> they may choose to sell the property, keep it or renounce the inheritance.<\/li><li data-start=\"494\" data-end=\"608\">You can choose to receive the <b>funds as a monthly income,<\/b> as a lump-sum payment, or a combination of both, up to 10% of the valuation on the day of signing plus the monthly income, bearing in mind that the monthly income cannot be less than \u20ac350 per month.<\/li><li data-start=\"611\" data-end=\"766\"><strong data-start=\"611\" data-end=\"669\">Improved quality of life and financial peace of mind,<\/strong> thanks to a solid financial foundation that allows you to enjoy your retirement in greater comfort.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46c7722 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"46c7722\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c6b6b0e e-con-full e-flex e-con e-child\" data-id=\"c6b6b0e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3e6162 e-con-full e-flex e-con e-child\" data-id=\"e3e6162\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad84ca4 elementor-widget elementor-widget-heading\" data-id=\"ad84ca4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Benefits for heirs<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1d8480 elementor-widget elementor-widget-text-editor\" data-id=\"d1d8480\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"88\" data-end=\"353\">Many customers wonder whether their children will lose the property. With a reverse mortgage, the property remains part of the estate and is only settled after the owner\u2019s death. At that point, the heirs have various options protected by law:  <\/p><ul><li data-start=\"357\" data-end=\"453\"><strong data-start=\"357\" data-end=\"382\">Keep the property,<\/strong> either by paying off the debt with your own funds or by taking out a new mortgage.<\/li><li data-start=\"456\" data-end=\"559\"><strong data-start=\"456\" data-end=\"478\">Sell the property <\/strong> and keep the remaining amount, once the mortgage and interest have been paid off.<\/li><li data-start=\"562\" data-end=\"649\"><strong data-start=\"562\" data-end=\"589\">Decline the inheritance<\/strong> if you are not interested, without taking on any personal debt.<\/li><\/ul><p data-start=\"651\" data-end=\"751\"><strong data-start=\"651\" data-end=\"751\">His heirs will always have the final say and will be protected by current legislation.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e95165 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"4e95165\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7281e50 e-con-full e-flex e-con e-child\" data-id=\"7281e50\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf63efa e-con-full e-flex e-con e-child\" data-id=\"cf63efa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f80ce4f elementor-widget elementor-widget-heading\" data-id=\"f80ce4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Requirements and documentation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e52600 elementor-widget elementor-widget-text-editor\" data-id=\"3e52600\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This type of loan, <strong>aimed at older people and pensioners in Spain<\/strong>, is designed for very specific circumstances, which ensures its security. To be eligible for all its benefits, you must meet the following requirements: <\/p><ul><li>Be aged <b>65 or over<\/b> (maximum of two cardholders).<\/li><li>You must own the property and it must be <b>your main residence in Spain. <\/b><\/li><li>The property must <b>not have an outstanding mortgage or any significant encumbrances. <\/b><\/li><li>The property must be <b>worth at least \u20ac150,000. <\/b><\/li><li>The property must be in <b>good condition and located<\/b> in an <b>urban area.<\/b><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9a597d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"c9a597d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-88947cc e-con-full e-flex e-con e-child\" data-id=\"88947cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edb4d39 e-con-full e-flex e-con e-child\" data-id=\"edb4d39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b2ac81 elementor-widget elementor-widget-heading\" data-id=\"5b2ac81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Simulation example<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38f307b elementor-widget elementor-widget-text-editor\" data-id=\"38f307b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Imagine a couple in their 80s who own a property in the 03540 postcode area, valued at <b>\u20ac35<\/b><strong>0,000. <\/strong> They want to improve their quality of life without selling their home or having to move.<\/p><p>Thanks to the <strong>Santander MAPFRE reverse mortgage,<\/strong> you can receive a monthly income without making repayments and whilst retaining ownership of your property. <u>Life annuity with insurance<\/u><\/p><ul><li><b>Guaranteed monthly income:<\/b> up to \u20ac762<\/li><li><b>Duration<\/b>: lifetime<\/li><li><b>Includes annuity insurance<\/b><\/li><li><b>Single insurance premium<\/b>: \u20ac30,152.00<\/li><li><b>Loan repayment term<\/b>: 13 years<\/li><\/ul><p>This solution allows you to supplement your pension with complete peace of mind, knowing that you will be able to continue living in <strong>your home and that your heirs will retain control of the property in the future.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ecdbf2b e-con-full e-flex e-con e-child\" data-id=\"ecdbf2b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9463bb2 elementor-widget elementor-widget-heading\" data-id=\"9463bb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How can we help you with your reverse mortgage application?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a081c35 elementor-widget elementor-widget-text-editor\" data-id=\"a081c35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We offer comprehensive support throughout the process, combining financial clarity with\u00a0<strong><a href=\"https:\/\/www.pellicerheredia.com\/en\/real-estate-lawyer-spain\/\">real estate legal advice for expats<\/a><\/strong>. Our goal is to protect your interests from the first consultation to the final signing and beyond.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b80bbe5 e-grid e-con-full e-con e-child\" data-id=\"b80bbe5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-49fd04f e-con-full e-flex e-con e-child\" data-id=\"49fd04f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e32091d elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e32091d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 12q-1.65 0-2.825-1.175T7 8t1.175-2.825T11 4t2.825 1.175T15 8t-1.175 2.825T11 12m0-2q.825 0 1.413-.587T13 8t-.587-1.412T11 6t-1.412.588T9 8t.588 1.413T11 10m11.1 13.5l-3.2-3.2q-.525.3-1.125.5T16.5 21q-1.875 0-3.187-1.312T12 16.5t1.313-3.187T16.5 12t3.188 1.313T21 16.5q0 .675-.2 1.275t-.5 1.125l3.2 3.2zM16.5 19q1.05 0 1.775-.725T19 16.5t-.725-1.775T16.5 14t-1.775.725T14 16.5t.725 1.775T16.5 19M3 20v-2.775q0-.85.425-1.575t1.175-1.1q1.275-.65 2.875-1.1t3.55-.45q-.3.45-.513.963t-.337 1.062q-1.5.125-2.675.513t-1.975.812q-.25.125-.387.363T5 17.225V18h5.175q.125.55.338 1.05t.512.95zm7.175-2\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t1. Initial face-to-face consultation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe assess your situation and answer all your questions with complete transparency and with no obligation. <b>We ensure that you meet the eligibility criteria<\/b> and help you understand whether this solution is right for you. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ea7b0a e-con-full e-flex e-con e-child\" data-id=\"1ea7b0a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16ac25e elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"16ac25e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 19h2v-1h1q.425 0 .713-.288T15 17v-3q0-.425-.288-.712T14 13h-3v-1h4v-2h-2V9h-2v1h-1q-.425 0-.712.288T9 11v3q0 .425.288.713T10 15h3v1H9v2h2zm-5 3q-.825 0-1.412-.587T4 20V4q0-.825.588-1.412T6 2h8l6 6v12q0 .825-.587 1.413T18 22zm7-14V4H6v16h12V8zM6 4v4zv16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t2. Detailed financial proposal\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYou will <b>receive a clear comparative report<\/b> setting out the amount you could receive, the interest terms and how the debt will develop over time, so that you can make a fully informed decision.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4773314 e-con-full e-flex e-con e-child\" data-id=\"4773314\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8fd51a elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c8fd51a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M4 21v-2h12v2zm5.65-4.85L4 10.5l2.1-2.15L11.8 14zM16 9.8l-5.65-5.7L12.5 2l5.65 5.65zM20.6 20L7.55 6.95l1.4-1.4L22 18.6z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t3. Independent legal advice\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOur solicitors will go through the proposal with you in detail, explain the fine print and <b>analyse the tax implications.<\/b> We make sure every clause is easy to understand, free from jargon and presented with complete honesty. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea73dd6 e-con-full e-flex e-con e-child\" data-id=\"ea73dd6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92a7243 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"92a7243\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"m10.6 16.6l7.05-7.05l-1.4-1.4l-5.65 5.65l-2.85-2.85l-1.4 1.4zM12 22q-2.075 0-3.9-.788t-3.175-2.137T2.788 15.9T2 12t.788-3.9t2.137-3.175T8.1 2.788T12 2t3.9.788t3.175 2.137T21.213 8.1T22 12t-.788 3.9t-2.137 3.175t-3.175 2.138T12 22m0-2q3.35 0 5.675-2.325T20 12t-2.325-5.675T12 4T6.325 6.325T4 12t2.325 5.675T12 20m0-8\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t4. Fast processing and approval\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe handle all <b>communication and paperwork with the financial institution.<\/b> Thanks to our partnership with MAPFRE, your application is processed quickly and given priority. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d93bf12 e-con-full e-flex e-con e-child\" data-id=\"d93bf12\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83e6ee3 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"83e6ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M5 17v-7h2v7zm6 0v-7h2v7zm-9 4v-2h20v2zm15-4v-7h2v7zM2 8V6l10-5l10 5v2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t5. Assistance with signing before a notary\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOne of our <b>bilingual solicitors<\/b> will be on hand to ensure that everything is in line with the agreement and to translate or clarify any terms.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1301adb e-con-full e-flex e-con e-child\" data-id=\"1301adb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7134f06 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7134f06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M11 21v-2h8v-7.1q0-2.925-2.037-4.962T12 4.9T7.038 6.938T5 11.9V18H2v-5.725h1l.075-1.325q.2-1.7.988-3.15t1.975-2.525T8.762 3.6T12 3t3.225.6t2.725 1.663t1.975 2.512t1 3.15l.075 1.35h1V18h-1v3zm-2-7q-.425 0-.712-.288T8 13t.288-.712T9 12t.713.288T10 13t-.288.713T9 14m6 0q-.425 0-.712-.288T14 13t.288-.712T15 12t.713.288T16 13t-.288.713T15 14m-8.975-1.55Q5.85 9.8 7.625 7.9T12.05 6q2.225 0 3.913 1.412T18 11.026Q15.725 11 13.813 9.8t-2.938-3.25q-.4 2-1.687 3.563T6.025 12.45\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t6. Ongoing monitoring and family support\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe are here to assist you with any further formalities you may need to complete. We also offer <b>support to your family members or heirs<\/b> when it comes to settling the mortgage. Ongoing support and assistance for your family \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-457dbf5 e-con-full e-flex e-con e-child\" data-id=\"457dbf5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f89533 elementor-widget elementor-widget-heading\" data-id=\"1f89533\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pellicer &amp; Heredia: legal advice on transparent reverse mortgages<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86a447e e-grid e-con-full e-con e-child\" data-id=\"86a447e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c6fa0f5 e-con-full e-flex e-con e-child\" data-id=\"c6fa0f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3dc81c2 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3dc81c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"m9.675 13.7l.875-2.85L8.25 9h2.85l.9-2.8l.9 2.8h2.85l-2.325 1.85l.875 2.85l-2.3-1.775zM6 23v-7.725q-.95-1.05-1.475-2.4T4 10q0-3.35 2.325-5.675T12 2t5.675 2.325T20 10q0 1.525-.525 2.875T18 15.275V23l-6-2zm6-7q2.5 0 4.25-1.75T18 10t-1.75-4.25T12 4T7.75 5.75T6 10t1.75 4.25T12 16m-4 4.025L12 19l4 1.025v-3.1q-.875.5-1.888.788T12 18t-2.113-.288T8 16.926zm4-1.55\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tA service backed by industry leaders\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a78e6e e-con-full e-flex e-con e-child\" data-id=\"4a78e6e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b9169f elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1b9169f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M12 16q1.875 0 3.188-1.312T16.5 11.5t-1.312-3.187T12 7T8.813 8.313T7.5 11.5t1.313 3.188T12 16m0-1.8q-1.125 0-1.912-.788T9.3 11.5t.788-1.912T12 8.8t1.913.788t.787 1.912t-.787 1.913T12 14.2m0 4.8q-3.35 0-6.113-1.8t-4.362-4.75q-.125-.225-.187-.462t-.063-.488t.063-.488t.187-.462q1.6-2.95 4.363-4.75T12 4t6.113 1.8t4.362 4.75q.125.225.188.463t.062.487t-.062.488t-.188.462q-1.6 2.95-4.362 4.75T12 19m0-2q2.825 0 5.188-1.487T20.8 11.5q-1.25-2.525-3.613-4.012T12 6T6.813 7.488T3.2 11.5q1.25 2.525 3.613 4.013T12 17\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTransparent and independent advice\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48b3f40 e-con-full e-flex e-con e-child\" data-id=\"48b3f40\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-237b10f elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"237b10f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M12 22q-2.075 0-3.9-.788t-3.175-2.137T2.788 15.9T2 12t.788-3.9t2.137-3.175T8.1 2.788T12 2t3.9.788t3.175 2.137T21.213 8.1T22 12t-.788 3.9t-2.137 3.175t-3.175 2.138T12 22m-1-2.05V18q-.825 0-1.412-.587T9 16v-1l-4.8-4.8q-.075.45-.137.9T4 12q0 3.025 1.988 5.3T11 19.95m6.9-2.55q1.025-1.125 1.563-2.512T20 12q0-2.45-1.362-4.475T15 4.6V5q0 .825-.587 1.413T13 7h-2v2q0 .425-.288.713T10 10H8v2h6q.425 0 .713.288T15 13v3h1q.65 0 1.175.388T17.9 17.4\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSpecialists in senior expatriates\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de6253a e-con-full e-flex e-con e-child\" data-id=\"de6253a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4a3ff elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3f4a3ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M2 21v-2h9V7.825q-.65-.225-1.125-.7T9.175 6H6l3 7q0 1.25-1.025 2.125T5.5 16t-2.475-.875T2 13l3-7H3V4h6.175q.3-.875 1.075-1.437T12 2t1.75.563T14.825 4H21v2h-2l3 7q0 1.25-1.025 2.125T18.5 16t-2.475-.875T15 13l3-7h-3.175q-.225.65-.7 1.125t-1.125.7V19h9v2zm14.625-8h3.75L18.5 8.65zm-13 0h3.75L5.5 8.65zM12 6q.425 0 .713-.288T13 5t-.288-.712T12 4t-.712.288T11 5t.288.713T12 6\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tA comprehensive legal, tax and property approach\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f06857 e-con-full e-flex e-con e-child\" data-id=\"0f06857\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf259fa elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"cf259fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M1 20v-4q0-.85.588-1.425T3 14h3.275q.5 0 .95.25t.725.675q.725.975 1.788 1.525T12 17q1.225 0 2.288-.55t1.762-1.525q.325-.425.763-.675t.912-.25H21q.85 0 1.425.575T23 16v4h-7v-2.275q-.875.625-1.888.95T12 19q-1.075 0-2.1-.337T8 17.7V20zm11-4q-.95 0-1.8-.437T8.775 14.35q-.425-.625-1.062-.987T6.325 13q.55-.925 2.325-1.463T12 11t3.35.538T17.675 13q-.725 0-1.375.363t-1.075.987q-.55.8-1.4 1.225T12 16m-8-3q-1.25 0-2.125-.875T1 10q0-1.275.875-2.137T4 7q1.275 0 2.138.863T7 10q0 1.25-.862 2.125T4 13m16 0q-1.25 0-2.125-.875T17 10q0-1.275.875-2.137T20 7q1.275 0 2.138.863T23 10q0 1.25-.862 2.125T20 13m-8-3q-1.25 0-2.125-.875T9 7q0-1.275.875-2.137T12 4q1.275 0 2.138.863T15 7q0 1.25-.862 2.125T12 10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tA warm and personalised service\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ed3a57 e-con-full e-flex e-con e-child\" data-id=\"7ed3a57\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd861b5 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"dd861b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M10.95 15.55L16.6 9.9l-1.425-1.425L10.95 12.7l-2.1-2.1l-1.425 1.425zM12 22q-3.475-.875-5.737-3.988T4 11.1V5l8-3l8 3v6.1q0 3.8-2.262 6.913T12 22m0-2.1q2.6-.825 4.3-3.3t1.7-5.5V6.375l-6-2.25l-6 2.25V11.1q0 3.025 1.7 5.5t4.3 3.3m0-7.9\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProven experience and trustworthiness\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3ae0e3 elementor-position-inline-start elementor-view-stacked elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a3ae0e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"m19.6 21l-6.35-6.35l1.4-1.4L21 19.6zm-13.65-.7q-1.5-1.5-2.225-3.375T3 13.1t.725-3.8T5.95 5.95t3.363-2.237t3.812-.738t3.813.738T20.3 5.95zm.2-3.05L7.5 15.9q-.4-.525-.762-1.075t-.663-1.1t-.525-1.1t-.4-1.075q-.275 1.475-.038 2.95t1.038 2.75m2.8-2.75l5.55-5.6q-1.075-.825-2.162-1.338t-2.038-.7T8.588 6.8T7.4 7.35q-.425.45-.55 1.212t.063 1.725t.7 2.038T8.95 14.5m6.95-7l1.4-1.35q-1.325-.8-2.8-1.05t-2.95.05q.55.175 1.1.4t1.1.512t1.088.65T15.9 7.5\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMake sure your retirement in Spain is peaceful and financially secure\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<b>Your home could be the key to enjoying the lifestyle <\/b> you\u2019ve worked so hard to achieve. Let us help you turn your asset into peace of mind, with a transparent, guided process and legal support you can rely on every step of the way. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34224fb e-flex e-con-boxed e-con e-child\" data-id=\"34224fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a921d4 elementor-widget elementor-widget-heading\" data-id=\"9a921d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Questions about reverse mortgages in Spain<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4202ac5 elementor-widget elementor-widget-toggle\" data-id=\"4202ac5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6921\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6921\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is the minimum age for applying for a reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6921\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6921\"><p>To be eligible for a reverse mortgage, <strong>you must be at least 65 years old and the legal owner of the property<\/strong> being used as collateral. Some products may require both owners to meet this age requirement if there are two owners. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6922\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6922\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How much money can I get from my home?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6922\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6922\"><p>The amount <strong> depends on your age, the value of your property<\/strong> and the terms offered by the lender. The older you are and the higher the value of your home, the more you will be able to receive: either as monthly payments, a lump sum, or both. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6923\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-6923\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Who owns the property in a reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6923\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-6923\"><p><strong>You remain the legal owner of the property<\/strong> for the rest of your life. The property is used as security for the loan, but you are not obliged to sell it or move out. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6924\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-6924\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I sell my home?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6924\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-6924\"><p>Yes, you can sell the property at any time. However, <strong> the outstanding debt must be paid off at the time of sale,<\/strong> either using the proceeds from the sale or through another source of funding. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6925\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-6925\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What happens if I move out of the property?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6925\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-6925\"><p>If the property is no longer your main residence (for example, if you move into a care home), <strong>the reverse mortgage may become due and payable. <\/strong> This depends on the terms of your contract, which we will go through with you in advance. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6926\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-6926\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Are the payments I receive from my reverse mortgage subject to tax?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6926\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-6926\"><p>No. In Spain, payments received from a reverse mortgage <strong>are not considered income and are therefore not subject to personal income tax (IRPF). <\/strong><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6927\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-6927\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What happens if I have no heirs?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6927\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-6927\"><p>If there are no heirs, <strong> the lender will sell the property after your death to recover the loan. <\/strong> Any remaining value after the debt has been repaid will go to your estate or to the State, depending on your legal situation. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6928\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-6928\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Will my heirs be able to keep the house after I die?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6928\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-6928\"><p>Yes. Their heirs may choose to keep the property by repaying the loan, either using their <strong>own funds or by refinancing.<\/strong> They also have the option of selling the property or refusing the inheritance.  <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-6929\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-6929\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I cancel a reverse mortgage once it has been signed? <\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6929\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-6929\"><p>You can cancel the contract, but this usually <strong>involves repaying the full amount received, plus any interest accrued.<\/strong> It is important to carefully review the cancellation terms before signing, which we help you to do as part of our legal service. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the minimum age for applying for a reverse mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>To be eligible for a reverse mortgage, <strong>you must be at least 65 years old and the legal owner of the property<\\\/strong> being used as collateral. Some products may require both owners to meet this age requirement if there are two owners. <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"How much money can I get from my home?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>The amount <strong> depends on your age, the value of your property<\\\/strong> and the terms offered by the lender. The older you are and the higher the value of your home, the more you will be able to receive: either as monthly payments, a lump sum, or both. <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"Who owns the property in a reverse mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>You remain the legal owner of the property<\\\/strong> for the rest of your life. The property is used as security for the loan, but you are not obliged to sell it or move out. <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"Can I sell my home?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes, you can sell the property at any time. However, <strong> the outstanding debt must be paid off at the time of sale,<\\\/strong> either using the proceeds from the sale or through another source of funding. <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"What happens if I move out of the property?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If the property is no longer your main residence (for example, if you move into a care home), <strong>the reverse mortgage may become due and payable. <\\\/strong> This depends on the terms of your contract, which we will go through with you in advance. <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"Are the payments I receive from my reverse mortgage subject to tax?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>No. In Spain, payments received from a reverse mortgage <strong>are not considered income and are therefore not subject to personal income tax (IRPF). <\\\/strong><\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"What happens if I have no heirs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If there are no heirs, <strong> the lender will sell the property after your death to recover the loan. <\\\/strong> Any remaining value after the debt has been repaid will go to your estate or to the State, depending on your legal situation. <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"Will my heirs be able to keep the house after I die?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. Their heirs may choose to keep the property by repaying the loan, either using their <strong>own funds or by refinancing.<\\\/strong> They also have the option of selling the property or refusing the inheritance.  <\\\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"Can I cancel a reverse mortgage once it has been signed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>You can cancel the contract, but this usually <strong>involves repaying the full amount received, plus any interest accrued.<\\\/strong> It is important to carefully review the cancellation terms before signing, which we help you to do as part of our legal service. <\\\/p>\\n\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0984d9 e-flex e-con-boxed e-con e-parent\" data-id=\"d0984d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c70cdc4 elementor-widget elementor-widget-heading\" data-id=\"c70cdc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Additional legal services for foreigners wishing to live in Spain<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae53cf4 e-grid e-con-full e-con e-child\" data-id=\"ae53cf4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cb74e3c e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"cb74e3c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00fa865 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"00fa865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M2 21V3h10v4h10v14zm2-2h6v-2H4zm0-4h6v-2H4zm0-4h6V9H4zm0-4h6V5H4zm8 12h8V9h-8zm2-6v-2h4v2zm0 4v-2h4v2z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f3e682 elementor-widget elementor-widget-heading\" data-id=\"4f3e682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Companies and businesses<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e2db1a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7e2db1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ac9215 elementor-widget elementor-widget-text-editor\" data-id=\"1ac9215\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"https:\/\/www.pellicerheredia.com\/abogados-comercio-internacional\/\" target=\"_blank\" rel=\"noopener\">International commerce<\/a><\/li><li>Enforcement of foreign judgments<\/li><li>Maritime law<\/li><li>Traffic Department<\/li><li>European lawyers<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e59454 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"4e59454\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67875ae elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"67875ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M18 6q-.825 0-1.412-.587T16 4t.588-1.412T18 2t1.413.588T20 4t-.587 1.413T18 6m-1 16V10.95h-1.825L16.5 7h3l3 9H20v6zm-4.5-10.5q-.625 0-1.062-.437T11 10t.438-1.062T12.5 8.5t1.063.438T14 10t-.437 1.063t-1.063.437M5.5 6q-.825 0-1.412-.587T3.5 4t.588-1.412T5.5 2t1.413.588T7.5 4t-.587 1.413T5.5 6m-2 16v-7H2V7h7v8H7.5v7zm7.5 0v-4h-1v-5.5h5V18h-1v4z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ef3177 elementor-widget elementor-widget-heading\" data-id=\"1ef3177\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Family<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02ad788 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"02ad788\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a162da1 elementor-widget elementor-widget-text-editor\" data-id=\"a162da1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"https:\/\/www.pellicerheredia.com\/en\/inheritance-tax-spain\/\" target=\"_blank\" rel=\"noopener\">Inheritance and wills<\/a><\/li><li>Family business<\/li><li>Family mediation<\/li><li>International family law<\/li><li>International divorce<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d794cea e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"d794cea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9f60b0 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f9f60b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M5 17v-7h2v7zm6 0v-7h2v7zm-9 4v-2h20v2zm15-4v-7h2v7zM2 8V6l10-5l10 5v2z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6a61af elementor-widget elementor-widget-heading\" data-id=\"d6a61af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Banking<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56e43aa elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"56e43aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f355eda elementor-widget elementor-widget-text-editor\" data-id=\"f355eda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"https:\/\/www.pellicerheredia.com\/revision-de-hipotecas\/\" target=\"_blank\" rel=\"noopener\">Mortgage loan review<\/a><\/li><li>Mortgage floor clause<\/li><li>Claim back your mortgage expenses<\/li><li>Refund of advance payments on off-plan properties<\/li><li>Purchase of mortgage loans<\/li><li>IRPH (Mortgage Loan Reference Index)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f1380a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"4f1380a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e671e88 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e671e88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M2 21v-2h9V7.825q-.65-.225-1.125-.7T9.175 6H6l3 7q0 1.25-1.025 2.125T5.5 16t-2.475-.875T2 13l3-7H3V4h6.175q.3-.875 1.075-1.437T12 2t1.75.563T14.825 4H21v2h-2l3 7q0 1.25-1.025 2.125T18.5 16t-2.475-.875T15 13l3-7h-3.175q-.225.65-.7 1.125t-1.125.7V19h9v2zm14.625-8h3.75L18.5 8.65zm-13 0h3.75L5.5 8.65zM12 6q.425 0 .713-.288T13 5t-.288-.712T12 4t-.712.288T11 5t.288.713T12 6\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70ac9d9 elementor-widget elementor-widget-heading\" data-id=\"70ac9d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Civil and Criminal Law<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6472253 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6472253\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9db559c elementor-widget elementor-widget-text-editor\" data-id=\"9db559c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"https:\/\/www.pellicerheredia.com\/reclamacion-de-deuda\/\" target=\"_blank\" rel=\"noopener\">Debt recovery<\/a><\/li><li>Claims and complaints<\/li><li>Consumer and user rights<\/li><li>Inheritances and donations<\/li><li>Criminal law<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Reverse mortgage for expats aged 65 and over A solution that lets you enjoy the present whilst thinking about the future. Because living with peace of mind is also part of your legacy Increase the value of your home in Spain without selling it. If you are an expat aged 65 or over and need [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3295,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_angie_page":false,"footnotes":""},"class_list":["post-3309","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/pages\/3309","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/comments?post=3309"}],"version-history":[{"count":5,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/pages\/3309\/revisions"}],"predecessor-version":[{"id":5978,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/pages\/3309\/revisions\/5978"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/media\/3295"}],"wp:attachment":[{"href":"https:\/\/www.pellicerheredia.com\/en\/wp-json\/wp\/v2\/media?parent=3309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}