Gibobs Allbanks
Gibobs Allbanks is a Spanish fintech mortgage brokerage platform that connects individual homebuyers, real estate developers, and real estate agencies with mortgage products from 70+ partnered banks and private lenders, earning transaction-based commissions while offering services free to consumers.
- Company typePrivate
- Founded2021
- HeadquartersMajadahonda, Spain
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Gibobs Allbanks does
Gibobs Allbanks (legal entity: GIBOBS S.L.) is a Spanish fintech mortgage brokerage platform founded in 2020–2021 and headquartered in Majadahonda, Madrid. The company operates a free-for-consumer intermediation model, matching individual homebuyers, mortgage switchers, real estate developers, and real estate agencies with mortgage products from over 70 partnered banking and private financial institutions in Spain. Revenue is generated exclusively through bank commissions paid upon mortgage completion, plus a white-label platform licensing offering to banks. The platform is registered with the Bank of Spain as a real estate credit intermediary (code D145) and carries EUR 750,000 in civil liability insurance with Lloyd's.
The underlying technology stack consists of a cloud-based platform hosted on Salesforce.com, featuring proprietary tools including a mortgage comparison engine, a personal financial scoring system (Scoring Gibobs), a real-time personal balance module, and a developer loan simulator. Distribution is digital-first through a proprietary web platform (gibobs.com) and native mobile apps on iOS and Android, supplemented by partner channels with real estate agencies and developers, plus a referral program (Plan Amigobs) that incentivizes viral customer acquisition with up to EUR 500 per referrer.
The company's GTM combines product-led growth (self-service calculators, simulators, and educational content including a YouTube channel and published eBook) with an inside-sales motion delivered through a team of advisors averaging 17 years of banking and real estate experience. Customer segments span four primary verticals: individual consumers (Particulares), real estate developers (Promotoras), real estate agencies (Inmobiliarias), and banks (Bancos) as white-label clients. The company was formerly known as HIPOTECA PRIMERO SL, rebranded to GIBOBS S.L., and received undisclosed investment from Global Paytech Ventures in May 2022 as its first disclosed institutional funding event.
Gibobs Allbanks firmographics
Firmographics- Name
- Gibobs Allbanks
- Legal name
- GIBOBS, S.L.
- Website
- https://gibobs.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Gibobs Allbanks is a Spanish fintech mortgage brokerage platform that connects individual homebuyers, real estate developers, and real estate agencies with mortgage products from 70+ partnered banks and private lenders, earning transaction-based commissions while offering services free to consumers.
- Ownership category
- akta.pro rank
Gibobs Allbanks industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
Keywords
Where Gibobs Allbanks is headquartered
LocationHeadquarters
- HQ city
- Majadahonda
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Gibobs Allbanks business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Bank Commission on Mortgage Completion: Gibobs charges a commission to the bank/financial institution only when the mortgage is formally signed. The service is completely free for the customer. This is similar to a multi-brand car dealership model where the company works for the customer but gets paid by the manufacturer (in this case, the bank).
- White-Label Platform Licensing: Provides its advanced technological platform as white-label solution to banks, enabling them to offer mortgage intermediation services under their own brand.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free mortgage intermediation service for consumers |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Gibobs Allbanks product offering
Product offeringCore offering
Gibobs Allbanks operates a free mortgage intermediation platform in Spain that connects individual consumers, real estate developers, and real estate agencies with over 70 banking and private financial institutions. The platform offers mortgage comparison, personalized advisory from advisors with an average of 17 years of banking and real estate experience, financial scoring tools, and document management. Revenue is generated through commissions paid by banks upon mortgage completion and through white-label licensing of the platform to banking partners.
Product overview
Gibobs Allbanks operates a unified mortgage brokerage platform that connects consumers and real estate professionals with over 70 banking and private financial entities across Spain. The core offering consists of the mortgage brokerage service complemented by digital tools including a mortgage calculator, simulator, and comparison features. The platform serves multiple segments: individual homebuyers (particulares) seeking new mortgages or mortgage transfers, real estate developers (promotoras) requiring project financing, real estate agencies (inmobiliarias) facilitating client mortgage access, and banks using the platform as a white-label solution. Additional platform services include personal financial management tools (My Personal Balance, My Loans, Gibobs Scoring, My Documents), a mobile application, a referral program (Amigobs Plan), and educational resources. The platform offers specialized mortgage products including fixed-rate, green, youth, reverse, and developer loans, functioning as an exclusive intermediary registered with the Banco de España under code D145.
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgage Brokerage Service Free mortgage intermediation service for individual consumers seeking home purchase, refinancing, or mortgage switching, connecting them with over 70 banking and private financial institutions across Spain. Includes personalized advisory, comparison tools, and negotiation support.
- Developer Loan Service (Préstamo Promotor) Project financing service for real estate developers and property promoters in Spain, providing access to banking and private lenders for construction and development projects, including off-market opportunities.
- White-Label Mortgage Platform Licensed technology platform offered to banking institutions to provide mortgage intermediation services under the bank's own brand, including comparison engine, scoring, and document management capabilities.
- Gibobs Mobile Application Native mobile application for iOS and Android enabling users to access mortgage brokerage services, calculators, simulators, financial scoring, and document management on mobile devices.
- Plan Amigobs Referral Program Referral program allowing users to invite up to 10 friends, receiving 50 euros (increased to 100 euros during promotional periods) for each friend who signs a mortgage, with maximum potential reward of 500 euros.
Quantifiable outcome
- 4.8/5 customer satisfaction rating based on 2,410+ verified reviews
- +1 more outcomes
Companies that use Gibobs Allbanks
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
Gibobs Allbanks technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature6 records
Gibobs Allbanks partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Lloyd's of LondoncoreGibobs has contracted civil liability insurance policy with Lloyd's (policy number BNE201900058) for 750,000 euros as required by Law 2/2009 for mortgage intermediation companies.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Gibobs Allbanks competitors and assessment
Company assessmentDirect peers
- Trioteca: Spanish online mortgage broker that compares mortgage offers across multiple banks for free to consumers. Directly competes with Gibobs in Spain on the same consumer value proposition and bank-commission revenue model.
- iAhorro: One of Spain's largest mortgage comparator and broker platforms, helping consumers compare mortgage and personal loan offers. Closely comparable business model, target customer, and Spanish market focus to Gibobs.
- Kelisto: Spanish price comparison and personal finance platform covering mortgages, banking, and insurance products. Overlaps with Gibobs in Spanish mortgage intermediation and comparison.
- Idealista Hipotecas: Mortgage intermediation service launched by Spain's leading property portal idealista. Directly competes with Gibobs by leveraging dominant real estate traffic to originate mortgage leads.
Broad incumbents
- LendingTree: US-headquartered online lending exchange that connects consumers with multiple lenders across mortgages and other credit products. Closest scaled international analog to Gibobs's multi-lender comparison and broker model.
- Better.com: US digital mortgage lender and broker offering direct-to-consumer mortgage origination with proprietary technology. Comparable digital-first mortgage intermediation business model though it also funds loans directly.
- Rocket Mortgage: Largest US mortgage originator with a fully digital platform. Relevant as a scaled digital mortgage intermediation/ origination incumbent demonstrating the trajectory of platform-based mortgage distribution.
Emerging players
- Habito: UK digital mortgage broker and later full-stack lender (acquired by Lloyds Banking Group). Closely comparable digital-first mortgage intermediation model in a European market adjacent to Spain.
- MortgageGym: UK mortgage technology platform offering white-label digital mortgage journeys to lenders and brokers. Highly comparable to Gibobs's white-label B2B platform offering for banks.
- Creditea / Moneyman: Digital consumer lending platforms operating in Spain and other European markets. Comparable fintech-led credit intermediation and online distribution model, though focused on personal rather than mortgage credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Gibobs Allbanks social profiles
Digital presenceGibobs Allbanks compliance and trust
Trust signalCompliance4 records
Gibobs Allbanks financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gibobs Allbanks leadership team
Management profileNumber of profiles
Profiles3 records
Gibobs Allbanks funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gibobs Allbanks 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 Gibobs Allbanks
What does Gibobs Allbanks do?
Gibobs Allbanks operates a free mortgage intermediation platform in Spain that connects individual consumers, real estate developers, and real estate agencies with over 70 banking and private financial institutions. The platform offers mortgage comparison, personalized advisory from advisors with an average of 17 years of banking and real estate experience, financial scoring tools, and document management. Revenue is generated through commissions paid by banks upon mortgage completion and through white-label licensing of the platform to banking partners.
Is Gibobs Allbanks a public or private company?
Gibobs Allbanks is a private company. It is classified as venture growth investor backed and is currently operating.
When was Gibobs Allbanks founded?
Gibobs Allbanks was founded in 2021. It employs 101 to 250 people.
Where is Gibobs Allbanks based?
Gibobs Allbanks is headquartered in Majadahonda, Spain, in the Europe region.
How does Gibobs Allbanks make money?
Two revenue lines are on record. Bank Commission on Mortgage Completion is the primary driver. The others are white-Label Platform Licensing.
Who are Gibobs Allbanks's main competitors?
Direct peers on record are Trioteca, iAhorro, Kelisto and Idealista Hipotecas. Broad incumbents are LendingTree, Better.com and Rocket Mortgage. Emerging players are Habito, MortgageGym and Creditea / Moneyman.
Does Gibobs Allbanks have an API?
No public API is recorded for Gibobs Allbanks.
What industry is Gibobs Allbanks in?
Gibobs Allbanks's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAGALAA, BaaS Platforms & Sponsor Bank Enablement. Its NAICS code is 52231 and its SIC code is 6163.