Advantages of a Reverse Mortgage with Caser

A reverse mortgage has become an increasingly popular financial solution for homeowners who want to unlock the value of their home while continuing to live in it. Among the options available in Spain, the product offered by Caser Seguros provides a flexible way to access liquidity during retirement.

Below are some of the main advantages of this financial solution.

1. You keep ownership of your home

One of the most important benefits of a reverse mortgage is that the homeowner remains the legal owner of the property. Unlike selling the bare ownership of a property, the house continues to belong to the homeowner.

This allows them to continue living in their home for the rest of their life.

2. Additional income during retirement

A reverse mortgage allows homeowners to convert part of the value of their property into regular payments or a lump sum.

This additional income can help cover everyday expenses, healthcare costs, or simply improve the quality of life during retirement.

3. Flexible payment options

Depending on personal needs, the funds can be received in different ways:

• monthly income,
• a single lump sum,
• or a combination of both.

This flexibility allows the product to be adapted to different financial situations.

4. Options for heirs

When the homeowner passes away, heirs usually have several options:

• repay the loan and keep the property,
• sell the property to repay the debt,
• or decline the inheritance.

This means that a reverse mortgage does not automatically imply losing the family home.

5. Unlocking home equity

For many retirees, their home represents the largest part of their wealth. A reverse mortgage makes it possible to turn that property value into usable funds without selling the house.

This can provide greater financial comfort and stability during retirement.