Óptima Mayores

What Óptima Mayores does

Óptima Mayores is a Madrid-based independent actuarial consultancy and financial advisory firm founded in 2005 by Ángel Cominges Rodríguez-Carreño, operating under the legal entity ÓPTIMA PREVISIÓN S.L. The company specializes in helping Spanish residents aged 65 and over convert residential real estate wealth into liquid income without surrendering their homes, advising on five product categories: reverse mortgage (hipoteca inversa) regulated by Law 41/2007, bare property sale (venta de nuda propiedad), real estate lifetime annuity (renta vitalicia inmobiliaria), sale-and-leaseback (venta con alquiler vitalicio), and lifetime annuity insurance (seguros de rentas vitalicias). The firm is registered as an insurance broker (clave J-2445) with Spain's Dirección General de Seguros and as a credit intermediary (#1069/2023) with the Bank of Spain, and founded the Consejo Español de Hipoteca Inversa, the de facto industry governing body.

The company distributes its advisory services through a national network of 20+ territorial delegations (Madrid, Barcelona, Bilbao, San Sebastián, Tenerife, Sevilla, Valencia, Málaga, and others), supported by a central inbound call center (900 900 100), WhatsApp contact, and an online reverse mortgage simulator and multi-product qualifier tool. Since inception, the firm claims to have advised more than 40,000-45,000 individuals and asserts >90% market share in Spain's reverse mortgage advisory channel. Revenue is generated through intermediation and advisory fees paid by financial institutions and product providers, while the initial comparative study is provided free of charge to prospective clients.

Operations are domestic to Spain only, with no disclosed international footprint. The company has 11-50 employees, with leadership combining actuarial, legal, and corporate finance expertise (Carlos González, ex-Director General Neinver, serves as CEO). Technology infrastructure is limited to standard marketing SaaS (HubSpot, Google Analytics, Google Adsense, Bing Ads, Facebook Pixel), with no proprietary AI/ML systems. Recent strategic activity includes a 2025 expansion of the reverse mortgage portfolio with 6+ new alternatives, and 2024 partnerships with Mutua de Procuradores, CEDDD, and Santalucía for B2B2C distribution.

Name

Óptima Mayores

Legal name

ÓPTIMA PREVISIÓN S.L.

Website

https://optimamayores.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Óptima Mayores is an independent Madrid-based actuarial consultancy founded in 2005 that advises Spanish seniors aged 65+ on converting residential real estate into liquid income via reverse mortgages, home reversion, annuities, and sale-and-leaseback products, distributing through 20+ territorial offices nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices24 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Advisory and Intermediation Fees: The company acts as an independent intermediary and advisor in the sale and structuring of reverse mortgages, home reversion (nuda propiedad), real estate annuities, and sale-and-lease-back transactions. Revenue is generated through fees charged to financial institutions and product providers for intermediation and advisory services rendered to clients seeking liquidity from their real estate assets.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Óptima Mayores is an independent actuarial consultancy and advisory firm in Spain that helps people over 65 convert housing wealth into liquid income while continuing to live in their homes. Its product line includes reverse mortgage (hipoteca inversa), bare property sale (venta de nuda propiedad), real estate lifetime annuity (renta vitalicia inmobiliaria), sale-and-lease-back (venta con alquiler vitalicio), and lifetime annuity insurance (seguros de rentas vitalicias). The company provides free personalized comparative studies across all market alternatives and full process accompaniment from initial consultation through notarization.

Product overview

Óptima Mayores operates as an independent actuarial consultancy and advisory firm offering a suite of real estate monetization products for people over 65 in Spain. The core product is the reverse mortgage (hipoteca inversa), supplemented by bare property sale, real estate annuity, sale-and-lease-back, and lifetime annuity insurance. These are supported by a free online reverse mortgage simulator, a multi-product qualifier tool, and hands-on advisory services with 20+ offices across Spain. The company connects clients with the best market offers through independent comparison studies and ongoing accompaniment throughout the contracting process.

Differentiator

Problem solved

Functional benefit

Products and services

• Hipoteca Inversa (Reverse Mortgage) Regulated loan product (Law 41/2007) for people over 65 or dependents with 33%+ disability that provides liquidity against the value of their owned home without giving up ownership. No monthly repayment installments are required; the debt is repaid upon the owner's death or voluntary cancellation. The borrower continues to live in the home.
• Venta de Nuda Propiedad (Bare Property Sale with Usufruct) Sale of the bare property (nuda propiedad) of a home while retaining lifelong usufruct. The seller receives a lump sum at signing and continues living in the property; heirs do not inherit the property upon the seller's death.
• Renta Vitalicia Inmobiliaria (Real Estate Annuity) Sale of bare property with lifelong usufruct in exchange for a monthly lifetime annuity payment. The seller receives regular income for life while continuing to live in the home, with the buyer gaining full ownership upon the seller's death.
• Venta con Alquiler Vitalicio (Sale and Lease Back) Sale of a property with a guaranteed lifelong rental agreement, allowing the seller to receive a large upfront amount (70-100% of property value) while remaining as tenant. Annual rent is typically 3.5%-5% of the purchase price.
• Seguros de Rentas Vitalicias (Lifetime Annuity Insurance) Insurance product that pays a monthly lifetime income in exchange for a single upfront premium. Includes optional features such as reversion to a third beneficiary, death capital benefit, and guaranteed payment period.
• Asesoramiento y Consultoría (Advisory and Consultancy Services) Independent actuarial and financial advisory services including personalized market comparison studies, ongoing support throughout the contracting process, document verification, property valuation management, and notary signing accompaniment across Spain.
• Simulador de Hipoteca Inversa (Reverse Mortgage Simulator) Personalized online calculator that estimates how much money a user can receive from a reverse mortgage based on their age, property value, and postal code. The tool presents multiple market offers tailored to the user's profile and stated financial goal.
• Multicalificador (Multi-Product Qualifier) A 3-minute online questionnaire that evaluates the user's real situation and recommends the best monetization option (reverse mortgage, bare property sale, or real estate annuity). Provides an immediate personalized result comparing 6 real options.

Quantifiable outcome

• 45,000+ people advised since 2005
• +4 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Six partnerships are on record, tiered core, minor and flagship.

• Mutua de ProcuradorescoreGTM or Marketing Partner · 1 January 2024Óptima Mayores and the insurance brokerage of Mutua de Procuradores signed a collaboration agreement to make innovative real estate monetization solutions available to procuradores (court representatives) and their families. The agreement enables Mutua members to access reverse mortgages, home reversion, and other senior financial products through Óptima Mayores' advisory network.
• CEDDD (Consejo Español para la Defensa de la Discapacidad y la Dependencia)coreGTM or Marketing Partner · 1 January 2024Óptima Mayores signed a collaboration agreement with CEDDD benefiting all entities and persons associated with the Council for Defense of Disability and Dependence. Eugenio Morales, Territorial Delegate for Catalonia, participated in a CEDDD podcast to discuss these solutions.
• SantalucíaminorGTM or Marketing Partner · 1 January 2024Óptima Mayores ran a dedicated reverse mortgage campaign in partnership with Santalucía insurance group. The campaign aimed to promote reverse mortgage products under Santalucía branding through Óptima Mayores' advisory network. The campaign page is password-protected, indicating a targeted B2B2C partnership.
• Consejo Español de Hipoteca InversaflagshipStrategic or Co-development Partner · 1 January 2005Founded by Óptima Mayores in 2005, the Consejo Español de Hipoteca Inversa is the industry governing body for reverse mortgages in Spain. The company standardized a decalogue of best practices at European level for the commercialization and contracting of reverse mortgages. Óptima Mayores holds a seat on the Council's board.
• EPPARG (European Pre-Pension and Retirement Group)minorStrategic or Co-development PartnerEuropean association of which Óptima Mayores is a member with a seat on the board. The group focuses on pre-retirement and retirement financial solutions across Europe.
• BuenaVidaSenior.comminorGTM or Marketing PartnerReferral partnership with BuenaVidaSenior.com, a senior-focused portal. Referrals tracked via UTM parameters (Ref_deOM_aBVS) on the Óptima Mayores website.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bankinter: Spanish retail bank offering reverse mortgage products directly. Comparable as a Spanish institutional provider of hipoteca inversa competing for the same senior customer base.
• Mapfre: Spain's largest insurance group, offering life annuities, senior products, and longevity insurance. Comparable as a broad incumbent serving the same senior demographic through different distribution.
• Legal & General Group: Large UK insurer and asset manager offering lifetime mortgages and equity release products. Comparable as an institutional counterparty and competitor for the same senior homeowner demographic.
• Aviva plc: Major UK/European insurer offering equity release lifetime mortgages as part of a broader portfolio. Overlaps with Óptima on the reverse mortgage product for seniors but competes as a product provider rather than independent advisor.
• Caser (Caja de Seguros Reunidos): Spanish insurance group with senior-focused products including annuities and dependent-care insurance. Overlaps with Óptima on senior financial product intermediation in the Spanish market.
• Santander España: Major Spanish bank that distributes reverse mortgage (hipoteca inversa) products through its own branch network. Direct distribution competitor to Óptima's intermediary-led model in the same Spanish market.
• Santalucía: Spanish insurer focused on protection, senior, and family products. Already a campaign partner of Óptima, illustrating how incumbents leverage Óptima's advisory reach to distribute reverse mortgage and senior products.
• Canada Life UK: UK life insurance and wealth provider with an active equity release business. Comparable as a product provider competing for the senior housing-monetization segment Óptima addresses intermediation-side.

Emerging players

• HelpMyCash: Spanish financial product comparator platform that helps consumers compare mortgages, deposits, and personal finance products. Comparable as a digital advisory/comparison layer that could evolve toward senior financial product intermediation.

Direct peers

• Just Group plc: UK-listed specialist in lifetime mortgages (equity release) and retirement income products for seniors. Most directly comparable to Óptima in product focus, senior-only target market, and intermediation/advice-led model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/o_mayores
• Facebookfacebook.com/optimamayores
• LinkedInlinkedin.com/company/optima-mayores

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Óptima Mayores