What Housers does

Housers is a Madrid-headquartered pan-European real estate crowdfunding and crowdlending platform, founded in 2015, that operates as a two-sided marketplace connecting individual and corporate investors with small-to-mid real estate developers across Spain, Italy, and Portugal. The platform enables investors to participate in fixed-rate, first-rank mortgage-secured loan projects with minimum investments starting at €300, while providing developers with alternative financing secured by property collateral with loan-to-value ratios maintained below 70%. Housers is regulated by the CNMV (Spain, registration number 13) and CMVM (Portugal) under EU Regulation 2020/1503, making it one of the few legally authorized crowdfunding service providers in Southern Europe.

The platform's technology architecture integrates third-party infrastructure providers: Lemonway handles regulated payment processing and fund segregation under ACPR authorization, Glóval provides independent project valuation and AAA-to-C risk scoring, and companies such as PROYECTOS CIGA and Collateral Gestión provide external project monitoring and guarantee agent services. Funds are held in escrow accounts with milestone-based disbursement, and the platform combines a web interface with a mobile application featuring biometric authentication. As of available reporting, 131 projects have been funded capturing €41.5M in cumulative investor capital, with 46 projects completed returning €24M to investors at an achieved average IRR of 7.45%.

Housers generates revenue primarily through developer commissions on successfully funded projects (up to 10%, averaging ~8%, currently 6-6.5%) plus a €2.5/month Basic account subscription fee introduced in 2021 and legacy return-distribution fees for projects predating March 2021. The platform serves a primary retail investor segment (Spanish, Italian, and Portuguese residents plus EU nationals) and a secondary corporate investor segment, with project sizes averaging €317K and typical terms of 7-18 months at 9-10% annual interest. Operational signals indicate a maturing platform: achieved IRR (7.45%) trails target (8.92%), average project duration runs 50% longer than planned (18 vs 12 months), and the most recent documented funding round (2021 Crowdcube, $19,629) reflects a sharp deceleration from prior years.

Name

Housers

Legal name

Housers Global Properties S.L.

Website

https://housers.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Housers is a Madrid-based, CNMV-regulated European real estate crowdlending platform founded in 2015 that enables individual and corporate investors to fund mortgage-secured real estate developer loans starting from €300 across Spain, Italy, and Portugal.

Ownership category

akta.pro rank

Product category

Real Estate Crowdfunding / Crowdlending Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

akta.pro secondary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Real estate crowdfunding
• Crowdlending platform
• Mortgage-backed lending
• Property investment marketplace
• Alternative developer financing

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Developer Platform Fees: Housers charges developers a commission based on a percentage of funds raised for successfully funded projects. Commission ranges up to 10% of total project financing (average 8%). For current projects, commission is 6-6.5% + VAT, financed within the opportunity. No fee is charged if project fails to reach funding target.
2. Investor Platform Subscription (Basic accounts): Housers Basic account holders pay a monthly platform fee of €2.5 (including VAT) starting June 2021. Fee is only charged if account balance exceeds €0.05. Premium accounts (with recent investment activity or fresh portfolio balance) have no monthly fee.
3. Legacy Return Distribution Fees: For projects predating March 2021, Housers charges 10% of returns distributed by developers to investors.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Housers operates a pan-European real estate crowdlending marketplace where individual and corporate investors can fund developer loans starting from €300, secured by first-rank mortgage guarantees with LTV below 70%. Approved developers are onboarded through a dedicated funding channel, scored externally by Glóval, and disburse funds via Lemonway escrow accounts monitored by independent agents. Investors receive quarterly interest payments and principal at maturity, while developers access alternative financing at competitive rates tied to project milestones.

Product overview

Housers is a European real estate crowdfunding platform (crowdlending) that operates as a marketplace connecting individual and institutional investors with real estate developers seeking financing. The core platform enables investment in fixed-rate loan projects with first-rank mortgage guarantees starting from €300 minimum. The platform offers two main user pathways: the Housers Platform for investors to browse and invest in curated real estate projects, and the Business Financing (Get Funding) service for developers to obtain alternative financing. The Housers Mobile App provides on-the-go access with biometric security features. All projects undergo independent risk scoring by external agencies, feature loan-to-value ratios below 70%, and offer quarterly interest payments to investors with capital returned at maturity.

Differentiator

Problem solved

Functional benefit

Products and services

• Housers Crowdlending Platform Pan-European online marketplace that lists mortgage-backed real estate loan opportunities for retail and corporate investors, enabling investment from €300 with quarterly interest payments and first-rank mortgage guarantees (LTV < 70%). Investors register as Individuals or Companies, fund via bank transfer or credit card (up to €5,000), and access detailed project documentation, risk scoring (AAA–C), and a portfolio dashboard.
• Developer Financing (Get Funding) B2B funding service for real estate developers and project SPVs to raise senior-secured development loans from the Housers investor base. Developers apply through the 'Get Funding' portal, undergo review by the Housers investment team and external scoring by Glóval, and upon approval publish loans for retail funding. Commission is up to 10% of funds raised (~8% average, 6–6.5% on current projects), financed within the opportunity and only charged on successful funding.
• Housers Mobile App Mobile application (iOS/Android) allowing investors to browse and invest in projects from a smartphone, with biometric authentication (fingerprint, pattern, facial recognition) and credit-card investment up to €5,000 for fast participation.
• Mortgage-Backed Loan Investment Products Individual fixed-rate loan investment offerings listed on the platform, each secured by a first-rank mortgage guarantee with LTV below 70%, independent Glóval scoring (AAA–C), quarterly interest payments, and terms typically 7–36 months. Current examples include Blanes Costa Brava IV (€180,000, 7 months, 10% annual, A rating) and El Ronquillo Sevilla III (€400,000, 8 months, 10% annual, A rating).

Quantifiable outcome

• 8.92% target average IRR vs 7.45% achieved average IRR
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

14 partnerships are on record, tiered core and minor.

• LemonwaycoreTechnology or IntegrationRegulated payment institution providing payment processing, fund safeguarding, and account management for Housers platform. French company accredited by ACPR (Autorité de Contrôle Prudentiel et Régulation) and authorized by Bank of Spain. All investor funds are segregated and held outside Housers in Lemonway accounts.
• GlóvalcoreTechnology or IntegrationExternal valuation and risk scoring company performing independent project analysis. Over 70 years of experience, 5+ million valuations, 1,000+ professionals. Analyzes developer experience, financial indices, project metrics, and property values for unbiased scoring from AAA to C risk ratings.
• Collateral Gestión S.L.coreTechnology or IntegrationProfessional guarantee agent handling mortgage collateral on behalf of investors. Provides advisory and fiduciary services in guarantee issuance and execution when needed. Independent from any financial services group.
• Monk Advisor S.L.coreTechnology or IntegrationIndependent security agent providing guarantee services for specific projects. Offers financial sector advisory and fiduciary services for bond, guarantee, or security issuance. Not affiliated with any financial services group.
• PROYECTOS CIGAcoreTechnology or IntegrationExternal project monitoring company controlling fund disbursements based on verified construction milestones. Maintains permanent control over capital destination and authorizes developer drawdowns only after administrative verification of milestone compliance.
• CNMVcoreOthersComisión Nacional del Mercado de Valores (Spanish National Securities Market Commission). Housers is authorized and regulated as a crowdfunding service provider under registration number 13. Complies with EU Regulation 2020/1503.
• CMVM (Portugal)coreOthersComissão do Mercado de Valores Mobiliários (Portuguese Securities Market Commission). Housers is authorized to operate in Portugal as the first foreign crowdfunding platform in the country.
• EurocrowdminorGTM or Marketing PartnerEuropean crowdfunding association. Housers is a platform member, contributing to industry advocacy and best practice development.
• Ministerio de Industria, Comercio y TurismominorGTM or Marketing PartnerSpanish Ministry of Industry, Commerce and Tourism. Official supporter of Housers platform.
• AdigitalminorGTM or Marketing PartnerSpanish Digital Association. Housers is a member, participating in fintech ecosystem development.
• Asociación Fintech (Spain)minorGTM or Marketing PartnerSpanish Fintech Association. Housers is a member supporting industry standards and regulatory dialogue.
• Assofintech (Italy)minorGTM or Marketing PartnerItalian Fintech Association. Housers is a member for Italian market operations.
• Sharing EspañaminorGTM or Marketing PartnerSpanish sharing economy association. Housers maintains membership for industry representation.
• GLOVAL (Glóval Valoración)coreTechnology or IntegrationExternal valuation company providing property appraisals and risk scoring for projects. 1,000+ professionals, nationwide Spanish presence, international coverage in Portugal, Greece, Brazil, Cape Verde, Angola, Mozambique.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• EstateGuru: Estonia-headquartered European real estate crowdlending platform offering property-backed short-term bridge loans funded by retail investors. Closest functional analogue to Housers' first-rank-mortgage, LTV-capped model and shares the multi-country expansion thesis across Europe.
• WiSEED: French AMF-regulated real estate crowdfunding platform that connects individual investors with property developers seeking short-term, property-backed financing. Comparable product structure, target investor profile, and developer-funded deal flow to Housers.
• Bergfürst: Berlin-based real estate crowdfunding/crowdlending platform operating under BaFin regulation. Directly comparable in regulated real-estate-backed lending intermediation and pan-European ambitions, though focused on the German market.
• Reinvest24: European real estate crowdlending platform originating property-backed loans from retail investors, with cross-border deal flow similar to Housers' southern-European footprint. Comparable product offering, ticket-size approach, and risk-rating framework.
• Rendity: Austrian/German-regulated digital real estate investment platform offering crowdlending and equity products with property-backed loans. Functionally similar broker/intermediary role between developers and retail investors.

Emerging players

• Property Moose: UK FCA-regulated real estate crowdfunding platform focused on property-backed investments for retail investors. Similar investor demographics and mortgage/security emphasis, though with a UK-only geographic footprint.
• CrowdProperty: UK-based property-backed peer-to-peer lending platform connecting investors with property developers and SMEs. Overlaps with Housers on the short-term development-loan use case, though currently concentrated in the UK market.

Regional players

• Home Invest Belgium: Belgian real estate crowdfunding platform enabling property-backed investments from retail investors. Comparable product/market fit at a national scale, but geographically distinct from Housers' southern European footprint.

Others

• Crowdcube: Major UK/EU equity and debt crowdfunding platform and a known capital-raising venue for Housers itself. Operates a related but broader multi-asset model rather than specialising in real-estate collateralised lending.
• Lemonway: Housers' core payment-infrastructure partner: a regulated European payment institution providing segregated wallet/account services to crowdfunding platforms. Listed here as a key ecosystem enabler rather than a competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/housers
• YouTubeyoutube.com/channel/UCfcMZlIXSGZm3oPZI_KQFGw?view_as=subscriber
• Facebookfacebook.com/HousersCOM
• LinkedInlinkedin.com/company/housers
• Instagraminstagram.com/housers_int

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds9 records

Investors1 record

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 Housers