Homebase
Homebase is a Vietnam-based PropTech platform founded in 2019 that enables individuals to buy and finance residential property through a co-financing marketplace, matching bank-ineligible homebuyers with bank-eligible investors across 20+ Vietnamese cities.
- Company typePrivate
- Founded2019
- HeadquartersHo Chi Minh City, Vietnam
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Homebase does
Homebase is a Vietnam-based PropTech platform founded in 2019 that operates a two-sided co-financing marketplace addressing the gap between Vietnamese households who cannot qualify for traditional bank mortgages and investors with bank loan eligibility but no intent to purchase property directly. The company's three core products — Buy with Installment (8% down payment versus the 20–30% required by banks, with up to 80–90% loan-to-value), Unlock Equity (home equity release up to 80% of property value for existing owners), and the Co-Financing Investor Program (matching bank-ineligible buyers with bank-eligible investors) — are delivered through a digital self-serve platform available in Vietnamese and English. Investors formally originate bank loans to purchase property on the buyer's behalf, holding title as security, while buyers pay monthly installments that include the prevailing bank rate plus roughly 3% per annum returned to the investor, with Homebase retaining a service fee from the spread.
The platform is supplemented by a structured partner distribution channel: real estate agents and bank loan officers refer both sides of the marketplace and earn a standardized 0.5% commission per closed transaction, creating a two-way referral loop that has helped the company scale to over 20,000 customers served and operations across 20+ Vietnamese cities from headquarters in Ho Chi Minh City and a second office in Da Nang (opened 2022). Revenue is transaction-based, driven by per-deal service fees and partner commissions, and the company has been recognized by Plug and Play (Top 50 PropTech, 2020), Y Combinator (first Vietnamese startup admitted, 2021), HSBC and KPMG (Top 10 Emerging Giants in Vietnam, 2022), and the Hong Kong Science and Technology Parks Corporation (Top 10 ePic Company, 2023). Total disclosed funding stands at approximately $30 million across seed, undisclosed 2020, and November 2021 Series A rounds, with lead participation from Goodwater Capital and Partech alongside Y Combinator, Emles, and prior investors including VinaCapital Ventures, 1982 Ventures, Class 5 Global, Antler, and Iterative VC; the Series A was explicitly earmarked for Southeast Asia expansion beyond Vietnam.
Homebase firmographics
Firmographics- Name
- Homebase
- Legal name
- Homebase Management Company Limited
- Website
- https://homebase.com.vn
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Homebase is a Vietnam-based PropTech platform founded in 2019 that enables individuals to buy and finance residential property through a co-financing marketplace, matching bank-ineligible homebuyers with bank-eligible investors across 20+ Vietnamese cities.
- Ownership category
- akta.pro rank
Homebase industry classification
Industry- Product category
- Alternative Real Estate Financing
- NAICS
- Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)
- akta.pro secondary industries
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)
Keywords
Where Homebase is headquartered
LocationHeadquarters
- HQ city
- Ho Chi Minh City
- HQ country
- Vietnam
- HQ region
- Asia
Offices2 records
Markets served
Homebase business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Transaction Fee / Commission: Homebase charges a commission fee for facilitating financing transactions. For investor referrals, partners are paid 0.5% of the financing amount for each successful transaction. Revenue is generated when financing deals close.
- Monthly Service Fees: Homebase collects fees from both buyers and investors as part of the co-financing arrangement. The effective 'interest rate' typically includes prevailing bank loan interest rate plus an additional 3% per annum paid to the investor, with Homebase retaining a portion as service fee.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Down payment requirement: 8% of property value |
| Transaction based/ take rate | Pay-as-you-go | Referral commission: 0.5% of financing amount |
| Outcome Based/ Performance | Monthly | Investor passive income: 5-30M VND monthly |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Homebase product offering
Product offeringCore offering
Homebase is a Vietnam-based PropTech platform that provides alternative real estate financing through three interconnected products: Buy with Installment (property purchase with only 8% down payment and co-financing up to 80-90% of property value), Unlock Equity (home equity release of up to 80% of existing property value via monthly installments), and a Co-Financing Investor Program that matches buyers who cannot qualify for bank loans with eligible investors who borrow on their behalf in exchange for monthly passive income. The platform serves both Vietnamese citizens and foreigners across 20+ cities, removing the strict documentation and income-proof barriers imposed by traditional Vietnamese banks.
Product overview
Homebase is a Vietnam-based proptech company offering a unified homeownership financing platform. The core offering consists of three interconnected products: Buy with Installment (enabling property purchases with 8% downpayment), Unlock Equity (providing access to home equity), and the Co-Financing/Investor Program (matching non-qualifying buyers with eligible investors). The company also operates supplementary resource centers for buyers, investors, and homeowners, plus a referral partner program for agents. All products are delivered through a web-based platform accessible to users across 20+ Vietnamese cities.
Differentiator
Problem solved
Functional benefit
Products and services
- Buy with Installment A financing solution for individual homebuyers in Vietnam that enables property purchase with only an 8% down payment and monthly installment payments that build ownership over time. Homebase supports up to 80-90% of the property value and serves both Vietnamese citizens and foreigners, with relaxed documentation and no strict proof-of-income requirement compared to traditional bank loans.
- Unlock Equity A home equity release solution for existing property owners in Vietnam that unlocks up to 80% of the property's current value as cash, with payback via monthly installments. It functions as a more accessible alternative to traditional mortgage refinancing, requiring less documentation and fewer restrictions.
- Co-Financing / Investor Program A program that matches Vietnamese homebuyers who cannot qualify for bank loans with individual investors who have bank-loan eligibility but do not want to purchase property themselves. Investors borrow bank loans to purchase properties on behalf of buyers, with properties registered under the investor's name as security, and earn 5-30 million VND in monthly passive income from buyer installments.
Quantifiable outcome
- Purchase property with only 8% down payment (vs traditional 20-30%)
- +4 more outcomes
Companies that use Homebase
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Homebase technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
Homebase partnerships and signals
Strategic signalScale indicators4 records
Recent moves9 records
Expansion highlights6 records
Homebase competitors and assessment
Company assessmentDirect peers
- Better.com: Better.com is a US digital mortgage lender offering a fully online home loan origination experience with streamlined documentation. It is comparable to Homebase as both target borrowers underserved by traditional bank mortgages using a digital-first, low-friction origination model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Homebase social profiles
Digital presenceHomebase financial estimates
Financial estimateRevenue estimate
Valuation estimate
Homebase leadership team
Management profileNumber of profiles
Profiles6 records
Homebase funding detail
Funding detailFunding overview
Funding rounds6 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Homebase M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Homebase
What does Homebase do?
Homebase is a Vietnam-based PropTech platform that provides alternative real estate financing through three interconnected products: Buy with Installment (property purchase with only 8% down payment and co-financing up to 80-90% of property value), Unlock Equity (home equity release of up to 80% of existing property value via monthly installments), and a Co-Financing Investor Program that matches buyers who cannot qualify for bank loans with eligible investors who borrow on their behalf in exchange for monthly passive income. The platform serves both Vietnamese citizens and foreigners across 20+ cities, removing the strict documentation and income-proof barriers imposed by traditional Vietnamese banks.
Is Homebase a public or private company?
Homebase is a private company. It is classified as venture growth investor backed and is currently operating.
When was Homebase founded?
Homebase was founded in 2019. It employs 51 to 100 people.
Where is Homebase based?
Homebase is headquartered in Ho Chi Minh City, Vietnam, in the Asia region.
How does Homebase make money?
Two revenue lines are on record. Transaction Fee / Commission is the primary driver. The others are monthly Service Fees.
Who are Homebase's main competitors?
Better.com is listed as a direct peer.
Does Homebase have an API?
No public API is recorded for Homebase.
What industry is Homebase in?
Homebase's product category is Alternative Real Estate Financing. Its primary akta.pro industry code is FSALAAAM, Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination, with a secondary code of FSALAGAA, Closed-End Home Equity Loans (Second Mortgages). Its NAICS code is 525 and its SIC code is 6162.