We evaluate your case in under 24h
Purchase option registered at the Land Registry
Bring your own lawyer

Bank won't give you a mortgage?
Move in with 5% and buy your home later

You choose the property (150.000–400.000€), an investor buys it and you move in with 5%. Purchase price locked today, up to 30% of your rent is deducted from the price, and you have up to 7 years to buy.

  • ✓No Spanish payslip needed: remote, self-employed or foreign income counts
  • ✓Start with just 5%, not the ~30% buying costs today*
  • ✓Pets and children welcome — decorate your way from day one
  • ✓The investor pays property tax (IBI) and community fees; transfer tax only when you buy
See if I qualify → Chat on WhatsApp

Free evaluation · No commitment · Notarised contract · Office in Alicante

Are you a homeowner looking to sell? See how we can help

We evaluate if your case has real options

Free, no commitment. In 2 minutes you'll know if your case fits.

Every evaluation is manual and personalised.

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🔒 Free evaluation · No commitment · Spanish company with an office in Alicante

🧭 Create your free Rent2Buy plan in 2 minutes
Your personal path from tenant to owner: 9 guided steps, property price check included and your paperwork in one place.
Start my plan →

How we work your case

✓

We start from what you have

Real income, available savings, clear intent. With those three things there's already plenty of room to structure a viable operation.

✓

Personalised evaluation in 24h

Every case is studied individually because every situation is different. No automated answers, no blind forms: a real adviser reviews your profile.

✓

We tell you exactly what options you have

Clearly and without fluff. We explain which route best fits your situation — Rent2Buy or another alternative — and how to move forward from there.

✓

And when there's access, it's real access

Rent-to-own, direct agreements with landlords, flexible structures. All before a notary, with full legal protection and your right registered at the Property Registry.

The problem isn't that you can't pay

The problem is you don't fit the system's requirements. But that doesn't mean you can't access housing.

No Spanish payslip

You work remotely, get paid from abroad or are self-employed. The bank won't look at you, and landlords don't trust you.

Self-employed or not enough history

You don't have the employment history they demand, or the credit record they require. But you have real income and ability to pay.

No track record in Spain

You just arrived or haven't been here long. No banking history, no guarantors, no local references. The system ignores you.

The landlord doesn't trust you

They ask for 12 months' guarantee, non-payment insurance, permanent payslip. They treat you as a risk when you're a reliable payer.

The bank won't approve

You have savings and earn well, but without a Spanish payslip or employment history, the mortgage is off the table.

No pets, no children allowed

You have a family, a pet, and that closes doors. Here the home is yours from day 1.

In most cases, it's not a lack of ability — it's a lack of structure. And that has a solution.

Choose the property. An investor buys it. You move in. Talk to an adviser Evaluate my case →

Personalised response in under 24 hours · No commitment

What is Rent2Buy?

One of the alternatives: rent with purchase option

Rent2Buy is one of the routes we analyse for accessing housing. When it fits, it's very powerful. When it doesn't, we usually have other structured alternatives that do work for your case.

Rent for 3 years
Buy in 3 years
Rent2Buy 3 years
Upfront cash today
2–15 months upfront
Can't buy yet — still renting
Just 5%: 12.500€
Rent paid over 3 years
39.600€ — 100% lost
39.600€ — 100% lost while saving
39.600€ — 11.880€ (30%) is deducted from the price
Property price in 2029
Rises with the market — still no home
~297.800€ (assumption: +6%/yr)
Locked: max. ~281.200€ (<4%/yr)
To buy in 2029
N/A — you never buy
20% deposit: ~59.600€
~256.800€ left to finance (281.200€ − 24.380€ already deducted)
Transfer tax + purchase costs
N/A
~34.000€ (10% ITP + ~1.5% notary & registry)
~32.000€ (10% ITP + costs), paid when you exercise (yr 3–7)
Total outlay over 3 years
41.800–56.100€
rent + deposit & guarantees · and nothing is yours
~133.200€
39.600€ rent + 59.600€ deposit + ~34.000€ tax & costs
~67.100€
24.380€ deducted from the price · 15.000€ (2%/yr) saved towards your purchase
Pets & children
❌ Landlord can refuse them
✓ No restrictions
✓ Your home, your rules
Contract length
Max. 5 years (LAU)
Depends on the agreement
✓ Up to 7 years by contract
Can be evicted (owner's own use)
❌ Yes — landlord can reclaim it
❌ Yes — still exposed while renting
✓ No — your contract prevents it
Legal protection
Private contract
Private contract
✓ Notary + Land Registry
Property due diligence
None — you trust the listing
Whatever you do yourself
✓ Institutional investor verifies value & legal status
Do you choose the property?
No — wherever the landlord allows
Yes, but not for 3 years
✓ Yes — any property, from today
Do you live in it?
Wherever you're allowed
No — not until you buy
✓ Yes — from day 1

*Illustrative example, not an offer: a 250.000€ property today and rent of 1.100€/month. For “Buy in 3 years” we assume the market rises 6%/year (an assumption, not a forecast). Valencia region transfer tax (ITP) 10% + ~1.5% costs. Rent2Buy: price locked below 4%/year; the 5% entry and 30% of the rent are deducted from the price; the 2% annual contribution is saved towards your purchase. Actual figures depend on each property and contract.

Have questions? We reply in minutes. Message us on WhatsApp

How it actually works

From evaluation to keys in 4 clear steps.

1

We analyse your real situation

Income, savings, employment status, nationality. Without this we can't move forward.

2

We identify the route that fits

Rent2Buy, direct agreement with the owner, or a hybrid structure. We explain which works best for your profile and why.

3

You choose any property you want

Any second-hand flat between 150k and 400k in Alicante, Elche, Málaga, Valencia or Madrid. The investor buys at standard market conditions — the seller sells as in any normal transaction.

4

We negotiate and close

Notarised contract, legal registration. We only charge if we close the deal.

*Subject to profile assessment.

WHAT YOU NEED TO START

4 signs Rent2Buy could work for you

If you meet these four basic points, there's a high chance we have a viable route for your case. We go through them with you in the evaluation.

1

Verifiable household income

Minimum 2.500€/month net household income (combined for all applicants). You don't need a Spanish payslip: remote income, self-employed or from abroad all work.

2

You want to become an owner

Rent2Buy is a path to ownership, not just another rental. It's built for those who want to buy within the next 3 to 7 years and start building equity now.

3

Property between 150.000€ and 400.000€

Resale apartments, penthouses and duplexes in Alicante, Elche, Málaga, Valencia or Madrid. If you haven't chosen one yet, we help you find it.

4

5% initial savings

You need 5% of the property price as your initial contribution. It's not a commission: it's fully deducted from the purchase price.

Según tu selección:7.500€ – 20.000€

We don't ask you to trust us. We ask you to verify.

⚗

Notarised

Contract signed and notarised. No private contracts or fine print.

🏢

Property Registry

Your purchase option is registered. Your right survives any change of ownership.

👥

Spanish company, physical office

Velorix SL (Relocation Centers), tax ID B88770201 · Calle Navas 25, Alicante. Visit or call us: we speak 6 languages.

⚖

Bring your own lawyer

We actually recommend it. We want you to sign with full legal certainty.

📄 Free guide

Ask for the full guide on WhatsApp

How it works step by step, requirements, a worked example and the most common questions, in one document to read at your own pace. Message us and we'll send it to you.

💬 Request the guide on WhatsApp
📄
Rent2Buy Guide — Relocation CentersPDF · sent to you on WhatsApp

Frequently asked questions

You choose the property you like, put down 5% of the price and an institutional investor buys it for you. You move in paying market-rate rent, and up to 30% of that rent is deducted directly from the purchase price when you exercise your option. You have a minimum of 3 years and up to 7 years to exercise your right to buy. During that time we support you through the savings process and, when you are ready, we help you secure a mortgage.
Everything is signed before a notary and registered at the Property Registry. The institutional investor is a recognised and trusted entity whose ownership is recorded. Behind the programme is Velorix SL (Relocation Centers), a Spanish company (tax ID B88770201) with a physical office at Calle Navas 25, Alicante: you can visit us, call us or bring your own lawyer. The entire model operates within the Spanish legal framework.
Evaluating your case is free. The initial 5% you contribute is your payment towards the deposit contract and is fully deducted from the purchase price: it is not a commission, it is part of the price. Our management fees only apply if the deal closes, never before.
You need three things: (1) minimum savings of 5% of the property price, which you contribute upfront; (2) minimum declarable household income of 2.500€/month net (combined for all applicants); (3) financial stability and the ability to contribute an additional 2% of the price each year. No Spanish payslip or minimum employment history required.
Resale apartments, penthouses and duplexes between 150.000€ and 400.000€ in Alicante, Elche, Málaga, Valencia and Madrid. Detached houses, ground floors, converted commercial premises, 3rd and 4th floors without a lift, social housing (VPO) and new builds are excluded.
Rent is set at market rate based on the location and features of the property. Throughout the 7-year contract there are no disproportionate increases: it is reviewed annually according to CPI, no surprises. Remember that 30% of what you pay goes towards the future purchase of the flat.
The future purchase price is calculated from the current price of the property with an annual revaluation fixed in the deposit contract, below 4%. Since the Spanish property market is rising at higher rates, in practice you buy at a lower price than the future market value. Fully transparent, no surprises.
We build a savings pot with you made up of: (1) the initial 5% you pay at signing, (2) 30% of the monthly rent allocated to the purchase, and (3) a 2% of the price you contribute annually. The goal is that within a maximum of 7 years you have saved the capital needed for a bank to grant you a mortgage.
Your purchase option is registered at the Property Registry, so your right survives any change of ownership of the property. Whoever owns it at that moment is obliged to honour your purchase right under the conditions signed. It is real legal protection, not a promise.
The institutional investor covers property tax (IBI) and community fees. You only pay monthly rent and utilities (electricity, water, gas), as in any rental contract. You are responsible for maintenance and small running costs of the property, as if the home were already yours.
You pay them when you exercise the purchase, not when you move in. In the Valencia region, the transfer tax (ITP) on resale homes is 10% of the price, plus notary, registry and legal fees (approx. 1–2% more). That's precisely the advantage of Rent2Buy: during the rental years, 30% of your rent plus your 2% annual contribution accumulate in a savings pot designed to cover the mortgage, transfer tax and closing costs. By the time you're ready to buy, you'll already have the savings in place.
Yes. You can paint and decorate to your taste from day one, and bring your pet with you. Major renovations are also possible, but require prior approval from the institutional investor. In practical terms you have almost the same rights as if the home were already yours.
From the third year of renting until the very last day of the seventh year. You can exercise it at any point within that window: you just need to notify us with enough notice to prepare the paperwork. When you have the necessary savings, we help you secure a mortgage and formalise the purchase.
We agree on a move-out date and unwind the contracts. Under normal circumstances you lose the initial 5% deposit, but 100% of any additional contributions above that 5% are refunded. In addition, there is the Flexibility Guarantee, designed for specific exceptional circumstances.
It is an exclusive benefit designed to protect you in specific cases: mandatory job relocation, prolonged unemployment or serious disability. If one of these situations occurs and you decide not to exercise your purchase right, you can recover up to 50% of the initial deposit paid as earnest money. It applies after the first three years of contract, provided you meet your obligations and act in good faith.
If you stop making payments, the rental and deposit contracts are terminated. You lose the initial 5% deposit. We refund the remaining additional contributions towards the purchase, deducting what is needed to cover unpaid rent until the property is vacated and any repairs or damages.
Because you're going to live in that property for 3 to 7 years with the intention of buying it, we recommend running any candidate through our PropertyScore tool: it compares the asking price with a real valuation of that property and tells you whether it is above or below market value. If it's overpriced, we tell you before you sign anything. It is available to clients whose case Rent2Buy is evaluating.

Have a property for sale? We buy it for cash.

Forget endless viewings, mortgages that fall through and months of uncertainty. Our investor pays directly — no banking intermediaries. You get paid, we handle the rest.

Request free valuation →
⚡
Direct cash purchaseNo bank financing. Zero risk of deal collapse.
💰
Fair market priceProfessional and transparent valuation. Standard market fees.
📅
Clear timeline from the startWe agree a realistic timeline with you from day one — no impossible deadlines.
🔒
Secure transactionEverything before a notary, with a Spanish company based in Alicante.

Request your evaluation and find out if your case has real options.

It may be more viable than you've been told.

Request evaluation Analizar mi situación online →

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