🏠 For the Baby Boomer Generation
Your home is your
second pension
Own a paid-off apartment? Get a lifetime annuity and stay living at home. No sale, no mortgage.
Do you recognize yourself?
Baby Boomer generation — born 1970-1980
I own my apartment outright, but I'm 10-15 years from retirement. I want to enjoy an active life, not just survive.
— Peter, 54 years old, PragueMy kids need help with a mortgage now, not when I die. I want to give them a down payment from my apartment.
— Maria, 58 years old, BrnoMy husband and I are childless. We don't want to leave anything behind, we want to enjoy ourselves. Why should we save?
— Eva and Joseph, 56 years old, OstravaWho is HomeGrif for?
Mortgage-free owners
Do you have a paid-off apartment or house? Your 'dead capital' can work for you.
Parents who want to help
Your children need housing help now — not when they inherit.
Childless couples
Don't want to leave anything behind? Enjoy your money while alive.
Generation 50+
Before retirement but no time to save. Your apartment is your second pillar.
Generation 50+ and their challenge
Pension reforms are reducing future payouts. Average pension barely covers rent. The math doesn't work.
Paid apartment, empty wallet
Your apartment worth CZK 5M doesn't show in your account. It's 'dead capital' — not working for you.
Pension won't be enough
The 2026 reform reduces pension growth. In 10 years, you could receive thousands less than expected.
Kids need help NOW
Average mortgage deposit in Prague exceeds CZK 1M. You have it — in your apartment.
Solution: Retirement from Housing
We unlock the value of your apartment — you stay living in it.
Lifetime annuity
Monthly payments or 33% immediately + lower annuity. Up to 75% of apartment value. Fair pricing, transparent contract, no hidden risks.
Stay at home
Guaranteed right to live in your own apartment. Legal ownership remains yours. No one can ask you to move out.
Help children now
Decide about inheritance in advance. Earlypass protects heirs for the first 5 years. Help financially when they need it most.
HomeGrif is not a loan
No debt, no interest. You 'consume' your property's value during your lifetime — similar to the French viager model, which has worked for centuries. You stay home, you stay the owner.
How does it work? →Annuity Calculator
Find out how much you can get
Připravujeme — automatický odhad z katastru nemovitostí
We use age and gender to calculate your annuity based on life expectancy statistics from the Czech Statistical Office. This ensures the fairest offer for you and all applicants.
- ✓The sweet spot — part now for your needs, the rest as lifetime annuity
- ✓You stay home, the apartment remains yours
- ✓You remain on the property register and attend owners' meetings
Heirs will receive part of the investment back in the event of early passing within the first 5 years.
⚡ Lifetime guarantee
- ✓ Payments continue for your entire life
- ✓ You don't have to move out
Send calculation to your email
Free and no commitment. We'll email you the results for easy reference.
No account, no spam. We only use your email to send this calculation.
Not ready to send? Tell us why in one click:
Zavoláme vám
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Vaše údaje použijeme pouze pro zavolání. Žádný spam.
Common concerns — and the facts
Will I lose my apartment?
No. Legal ownership stays with you. Your right of residence is registered in the land registry.
What will my children inherit?
The apartment stays in your estate. Earlypass protects heirs for the first 5 years.
Is it safe?
The UK equity release market exceeds GBP 2.5bn annually with strict regulations. This is not an experiment.
How to get the annuity
Contact us
Fill out a short form or call. We'll talk non-bindingly.
Property valuation
We'll appraise your apartment for free and prepare a customized annuity proposal.
Sign contract
Transparent contract with lawyer. We explain everything.
Receive annuity
You receive annuity every month. You stay at home.
Pilot Program
We're in the pilot phase — help us build a product that fits you perfectly.
Your interaction helps us
Every calculation teaches us what you need. The more you explore, the better product we build.
Real service coming soon
Our pilot program is running with first clients. As an early explorer, you'll get access first.
No obligations
The calculator is non-binding. No sales, no pressure. Just see how much you could get.
Have questions?
We're here for you. Write to us and we'll explain everything — no obligations, completely free.
Send messageWhy trust us
Fair value guarantee
You always receive a fair share of your property's value. No debt, no hidden fees — because this isn't a loan, it's a buyback with lifetime residency.
Legal ownership stays with you
You remain the legal owner of the apartment with guaranteed right to live in it. No one can ask you to move out.
Guaranteed by a regulated institution
Your lifetime payments are secured by a financial institution with a banking licence supervised by the Czech National Bank (ČNB).
Proven across Europe
The UK equity release market exceeds GBP 2.5bn annually. Similar products have operated in France, Spain, and Ireland for decades.
Transparent contract
No hidden fees. Fair Exit — option to terminate under agreed conditions. Everything in one contract.
Heir protection (Earlypass)
Your family is protected for the first 5 years. Heirs receive part of the investment back if you pass away prematurely.
Contact us
Have a question or want to learn more? Write to us — we'll respond within 24 hours.
Contact information
We typically respond within 24 hours on business days. Consultation is free and non-binding.
Frequently Asked Questions
Answers to the most common questions
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