Velorix · Rent-to-Buy

The buyer the bank turned down can still close with you.

Rent-to-Buy lets a buyer without a Spanish mortgage move into the home they chose: a partner fund buys it in cash, your client rents it with a purchase option, and you close the deal.

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The problem it solves

A good buyer without a Spanish mortgage is a deal you usually lose.

International buyers, self-employed clients and people without a Spanish payslip often have savings and income, but not the mortgage. Without another route, the viewing ends and so does your sale.

No Spanish mortgage.

The bank says no, or not yet, and the buyer walks away from a home they wanted.

Sellers who need certainty.

An owner who needs a firm sale does not want to depend on a buyer's finance being approved.

A commission that never arrives.

Weeks of viewings and negotiation end without a signature.

How it works

Three steps.

You spot the client.

A buyer who cannot get a Spanish mortgage, or an owner who wants to sell for cash. One message to us with the basics.

We check the fit.

We review the client and the home against the programme's criteria and tell you honestly whether it can work. The fund decides on each case.

The fund buys, your client moves in.

The fund buys the property in cash. Your client moves in on a notarised lease with a purchase option at a price agreed in the contract, and the option is registered in the Land Registry.

What's included

What you get.

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At a glance

Cash purchase of the home by a partner fund, so the sale does not depend on the buyer's mortgage.
A notarised lease with a purchase option: your client can buy from the third year until the end of the seventh.
An initial contribution from 5% of the price, paid by the client at signing and deducted from the purchase price.
No Spanish payslip required: remote, self-employed and foreign income can count.
Second-hand flats, penthouses and duplexes in Alicante, Valencia, Málaga and Madrid.
For owners: the programme can buy the property in cash, with no bank financing that can fall through.
Your client stays yours: we never prospect or cross-sell the clients you refer.

Every case is studied individually.Approval, price and conditions are set by the fund for each client and each home. Nothing on this page is a guarantee of approval. How and when you are paid for a referral is set out in the written conditions you sign with Velorix.

Who it's for

Made for how you work.

Buyer's agent

Your client has savings, but no mortgage.

International buyers without Spanish credit history.
Self-employed clients, or clients with income from abroad.
Families who want to buy within a few years and start living in the home now.

Listing agent

Your seller wants a firm cash sale.

Owners who need certainty rather than waiting for a buyer's mortgage.
Second-hand flats in the programme's cities.
A sale signed before a notary, and your client stays yours.

Anything else on your mind?

Good questions.
Clear answers.

If your question is not here, ask us directly. We answer on WhatsApp in business hours.

Let's talk it through

Is "we buy your property in cash" real?

Yes. When the home fits the programme, the partner fund pays the owner directly in cash, without bank financing, and the sale is signed before a notary. The fund values each property and decides case by case.

What does my buyer need?

Savings for an initial contribution from 5% of the price, household income they can prove (it does not have to be a Spanish payslip) and the aim of buying within a few years. We check the exact criteria for each case before anyone commits.

Which homes and areas qualify?

Second-hand flats, penthouses and duplexes in Alicante, Valencia, Málaga and Madrid. Detached houses, ground floors, converted commercial premises, third or fourth floors without a lift, VPO and new builds are excluded.

Is my client protected?

Everything is signed before a notary, and the purchase option is registered in the Land Registry, so it survives any change of owner.

Do I lose the client or my commission?

No. We work as your back-office, never as a competing agent. You keep the relationship, and your commission is secured when the fund buys, not years later. Any referral fee is set out in writing before you refer anyone.

Next step

Have a buyer the bank said no to?
Send us the case.

Tell us about the client or the property. We tell you honestly whether Rent-to-Buy can work and what happens next.