39%
of pensions in Spain are below €1,000 a month
It covers the basics, but not the life they deserve. 2.6 million retirees in Spain receive less than that.
Bare ownership specialists in Spain
Your home is still your home.
Now it’s also cash in hand.
We turn the value of the home they worked so hard for into real cash. They keep living in it for life. No moving, no debt, no bank paperwork.
- Independent valuation
- Notary-backed process
- Guaranteed lifetime right
The silent problem
A tight pension. A home with a great deal of value locked inside.
85%
of over-65s in Spain own their home
Their biggest asset is tied up in the home they live in. Value they can’t enjoy.
+ years
of better quality of life
Help at home, a trip, that long-postponed renovation, medical bills without the stress. It all becomes possible.
Selling the house isn’t an option: that’s where their routine, their neighbourhood and their security are. What they need is cash without uprooting.
What bare ownership is
A legal arrangement with over 200 years of history.
In Spain it’s called nuda propiedad. Three simple steps, no surprises. The price reflects age and life expectancy: the older the owner, the higher the amount. A transparent formula, certified by a notary.
Get an estimate
STEP 01
The bare ownership is sold
The owner sells the title to the home while keeping the right to live in it for life. The agreed amount is paid into their account.
STEP 02
They keep the right to live there for life
They carry on living at home exactly as before. Nobody can come in, change anything or ask them to leave.
STEP 03
The buyer receives full ownership
When the lifetime right ends, the buyer receives full ownership of the home, free of encumbrances.
Tailored to each family
Three ways to receive the money. Whichever suits best.
Single upfront payment
Immediate cash
The full amount is transferred on the day of signing before a notary. Ideal for covering medical costs, helping the children or enjoying retirement without waiting.
Upfront payment + lifetime income
The perfect balance
Part is paid upfront for immediate needs and the rest becomes a guaranteed monthly income for life.
Lifetime income only
Monthly peace of mind
The whole value becomes a monthly income for life that tops up the pension. For those who want a stable, predictable income every month.
Their routine, untouched
Nothing changes in their day-to-day life. Only the worries go away.
They still sleep in the same bedroom, water the same plants and have their coffee in the same kitchen. The only thing that changes is the peace of mind of having the money they need, when they need it.
Why Nudade
We’re not a bank. We’re specialists.
Available homes
Real opportunities available today
Homes sold in bare ownership with a guaranteed lifetime income. The resident carries on living at home; the investor acquires the property on exceptional terms.
Real guarantees
Peace of mind isn’t promised. It’s signed before a notary.
Official independent valuation
We work with valuation firms approved by the Bank of Spain. The value is set by an independent third party, not by us.
A notary of your choice
Your parents choose a notary they trust. We adapt to them, not the other way round.
Registered lifetime right
The right to live in the home is recorded in the Spanish Land Registry. Nobody can revoke it. Not even us.
Legal guidance for the family
We also support children and heirs throughout the process. No pressure, no artificial deadlines.
Paid in full at completion
The amount is transferred on the day of signing. No deferred payments, no hidden conditions.
Complete confidentiality
The process is discreet. Nobody around them will know anything unless the family chooses to share it.
Simulation tool
Find out what the home could be worth.
Enter a few basic details and get an indicative estimate instantly.
Indicative estimate based on actuarial tables from Spain’s National Statistics Institute (INE). Results are approximate and do not constitute a binding offer.
Single paymentAll upfront
MixedUpfront + income
Income onlyMonthly, for life
One person
Two people
Owner
Age
Sex
Male
Female
Fill in the details to calculate
Request a no-obligation estimate.
A Nudade adviser will be in touch within 24 hours with an initial indicative range and, if you wish, arrange a visit or a video call before anyone else needs to be involved.
- Free, with no obligation
- Confidential
- Reply within 24 hours
Frequently asked questions
What families usually ask us.
Investors and partnerships
Building Spain’s largest bare ownership platform.
We work with family offices, institutional funds and insurers seeking exposure to Spanish residential property with controlled risk and a tangible social impact.
Let’s talk, with no obligation.
Every family is different. The first step is to listen to you.