Complete guide

Selling the home for financial reasons

Answers, decisions and concrete ways forward. We support you with transparency and no pressure so you come out of this stage with room to manoeuvre.

Why can this guide help you?

Clarity, options and professional support

Selling for financial reasons is not an easy decision. There is often tension, doubt and a fear of getting it wrong.

This guide is for anyone who needs clear options and professional support, without pressure.

Clear answers

To the most common questions

Detailed process

Step by step

Alternatives

And practical criteria

Professional support

No pressure, no judgement

We answer your questions

Frequently asked questions

Tax and legal questions

Will I have to pay tax if I sell my house?

Yes, with exceptions. There are three main fronts:

  • Income tax on the gain: if you sell for more than you bought
  • Municipal capital gains: on the increase in land value
  • Cancellation costs: of a mortgage or outstanding debts
Nuvilion tax planning: our advisors work out what you will pay and apply the legal exemptions to bring the bill down.

Questions about the real proceeds

How much will I have left after selling?

You have to subtract:

  • Outstanding mortgage
  • Taxes (capital gains + income tax)
  • Professional fees
  • Notary and registry
Net proceeds study in 24h: we give you a report with your real proceeds after every cost. No surprises.

What is my home really worth?

Be careful with the portals' automatic valuers: they reflect the price of homes that are on sale and unsold, not the real market value.

Data-based valuation: we analyse the closed sales in your area (not the listings) to give you the price that maximises the outcome without dragging out the sale.

Is it better to sell now or wait?

It depends on:

  • Your financial urgency
  • The state of the market
  • Price forecasts
  • Your monthly costs (mortgage, service charges, property tax...)
Local market analysis: we show you the price trend in your area and advise you on the best time based on your situation.

About what comes next

Where am I going to live after selling?

There are several options:

  • Rent for a while: while you stabilise your finances
  • Buy something more affordable: cutting monthly costs
  • Stay with family: temporarily
  • Negotiate a period of occupancy: stay in your house for a few months after the sale
Planning: we help you negotiate flexible handover dates and find housing options that match your new situation.

Can I buy something cheaper or access support schemes?

Yes, there are several routes:

  • Regional publicly protected housing
  • Financing lines for vulnerable profiles
  • Rent support depending on your region
  • Second-chance programmes
Guidance: we tell you about the support available in your region and help you through the applications.

Is it better to reinvest or keep the money?

It depends on your plans:

  • If you reinvest in a main home: you can apply the reinvestment exemption in the income tax
  • If you need liquidity: it may suit you to keep the money to stabilise
Financial planning: we look at your case and advise you on the best tax and financial strategy.

When more people are involved

What if the house is in two people's names?

You need the agreement of all owners to sell. If there is none, a legal solution or mediation is needed, since the co-ownership would have to be dissolved.

Mediation: we act as impartial intermediaries, with objective data, to help co-owners reach agreement.

What if I have a debt with the bank or seizures?

You can sell, but the debts are settled in the same transaction. It is common for the agency to coordinate the bank, the conveyancer and the notary to line up the payments in the deed.

Debt management: we coordinate with the bank, request the certificates, negotiate write-offs where possible and handle the registry cancellation. All in the same transaction.

What if I have tenants?

You have to respect their contract or negotiate their departure. There are rights of first refusal and pre-emption that need to be handled well:

  • First refusal: the tenant has priority to buy if you decide to sell
  • Pre-emption: they can step into the purchase if you sell to a third party
Legal advice: we handle the notice to the tenant, negotiate their departure if needed and protect your rights throughout.

Full service

How we help you in this situation

Net proceeds study

In 24h you will know how much money you will have left after every cost.

Realistic valuation

An asking price based on real sales, not inflated portal listings.

Quick sale

Preparation and exposure to sell in the shortest time without underselling.

Debt management

We coordinate the cancellation of mortgages and seizures in the deed with the bank.

Legal and tax advice

We reduce taxes and tell you about the support available.

Direct dealing

No pressure, with respect for your personal situation.

Do you need to sell for financial reasons?

We support you with transparency and no pressure.

Request confidential advice