Habeno
Habeno is a cross-border mortgage broker licensed in Spain and Portugal that helps non-resident international buyers secure property financing by routing applications to 6+ partner banks and coordinating with agents, lawyers, and notaries for a 1% success fee.
- Company typePrivate
- Founded2021
- HeadquartersMarbella, Spain
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Habeno does
Habeno is a private cross-border mortgage brokerage and advisory firm, founded in 2021 and headquartered in Marbella, Spain, with a separate technology and engineering office in Stockholm under the entity Habeno AB. Its core function is to help non-resident international buyers secure mortgages for property purchases in Spain and Portugal, addressing a process that is otherwise fragmented across languages, banking conventions, and documentation requirements. The company operates a web-based platform that routes each customer application to 6+ partner banks simultaneously to drive competitive pricing, supported by personal mortgage advisors who manage negotiations, paperwork translation, and coordination with lawyers, notaries, and real estate agents throughout the transaction. It holds Banco de España licence D665 and Banco de Portugal licence 7012, and operates an affiliated legal services arm (Habeno Legal) covering NIE acquisition and contract review.
The business model is performance-based: customers apply for free, non-binding pre-approval online, receive borrowing capacity assessments within one banking day, and Habeno charges a 1% success fee on closed loans (minimum €2,000) only if the customer accepts a partner-bank offer. Go-to-market combines a direct digital channel (SEO-optimized regional content, newsletter, social) with a B2B2C partner channel of 700+ real estate agents in Spain and Portugal who use Habeno's Partner Portal and mortgage calculator widget to refer financing-ready buyers. To date, Habeno reports having facilitated approximately €300 million in cumulative transaction volumes, served 5,000+ customers from 50+ nationalities, and built out modular product extensions including Habeno Plus (premium dedicated advisor) and Habeno Legal (legal services). The company is bootstrapped (no disclosed funding rounds), operates with 11–50 employees, and is led by CEO Pascal Denize and CCO Sarmad Jawady.
Habeno firmographics
Firmographics- Name
- Habeno
- Legal name
- MBF Dreams SL
- Website
- https://habeno.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Habeno is a cross-border mortgage broker licensed in Spain and Portugal that helps non-resident international buyers secure property financing by routing applications to 6+ partner banks and coordinating with agents, lawyers, and notaries for a 1% success fee.
- Ownership category
- akta.pro rank
Habeno industry classification
Industry- Product category
- International Mortgage Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industry
- Home Equity Loan & HELOC Intermediation (FSAEAEAD)
Keywords
Where Habeno is headquartered
LocationHeadquarters
- HQ city
- Marbella
- HQ country
- Spain
- HQ region
- Europe
Offices2 records
Markets served
Habeno business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Success Fee on Mortgage Loans: Habeno charges a success fee of 1% of the loan amount with a minimum fee of €2,000. This fee is only charged when the customer accepts a mortgage offer from one of the partner banks. If no mortgage offer is accepted, no fee is charged. This creates a performance-based revenue model where the company only earns when it successfully helps customers secure financing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Pre-Approval - No cost entry point |
| Transaction based/ take rate | Pay-as-you-go | Success Fee - 1% of loan amount (minimum €2,000) |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Habeno product offering
Product offeringCore offering
Habeno is a mortgage advisory and brokerage service that helps non-resident international buyers secure mortgages from leading Spanish and Portuguese banks. It negotiates with multiple partner banks on each customer's behalf, manages documentation (including certified translations), and coordinates with lawyers, notaries, appraisers, and real estate agents through to closing. A free online pre-approval determines borrowing capacity within one banking day, after which customers pay only a success fee (1% of loan amount, minimum €2,000) if they accept a mortgage offer from a partner bank.
Product overview
Habeno operates as a unified international mortgage advisory platform for Spain and Portugal, combining core advisory services with modular add-ons. The core Habeno service connects international buyers with Spanish and Portuguese banks through a technology-enabled negotiation platform. Habeno Plus provides premium end-to-end mortgage advisory with dedicated personal advisors, while Habeno Legal adds comprehensive legal services including NIE acquisition and contract review. For real estate partners, Habeno offers a Partner Portal for tracking customer applications and a Mortgage Calculator Widget for lead generation. The free Pre-Approval Service serves as the entry point, determining borrowing capacity before customers engage with paid advisory services.
Differentiator
Problem solved
Functional benefit
Products and services
- International Mortgage Advisory Service End-to-end mortgage brokerage and advisory service for non-resident international buyers purchasing property in Spain or Portugal. Habeno negotiates with multiple partner banks to secure competitive mortgage offers, handles documentation and certified translations, and coordinates with lawyers, notaries, appraisers, and real estate agents from application through closing. Success fee: 1% of loan amount, minimum €2,000, charged only if the customer accepts a mortgage offer.
- Free Pre-Approval Service Free, non-binding online mortgage pre-approval for international buyers that returns a borrowing capacity assessment within one banking day, serving as the first step in the mortgage application journey. No credit check is performed at this stage.
- Habeno Plus (Personal Mortgage Advisor Service) Premium advisory tier providing a dedicated personal mortgage advisor who guides the customer from pre-approval through mortgage signing, handles bank negotiations, manages paperwork, and coordinates with lawyers, notaries, and appraisers on the customer's behalf.
- Habeno Legal Affiliated legal services offering lawyer assistance for property purchases, including NIE number acquisition, contract review, due diligence, power of attorney signing, and protection of reservation and deposit fees. Available as an add-on to Habeno's mortgage services.
- Partner Portal Web-based portal for real estate agent partners providing real-time notifications on customer applications, visibility into customer financial status and pre-approval data, and customer contact details to help agents close property deals faster. Offered free to participating agents.
- Mortgage Calculator Widget Embeddable widget that real estate agents can add to their websites so website visitors can calculate mortgage payments and generate leads seeking property financing, which are then connected to Habeno's mortgage advisory services.
Quantifiable outcome
- Transaction volumes of approximately €300 million facilitated since founding
- +5 more outcomes
Companies that use Habeno
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles2 records
Habeno technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Habeno partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Real Estate Agents in Spain and PortugalcoreHabeno has established partnerships with 700+ real estate agents across Spain and Portugal through its Partner Program. Agents receive free access to tools including the Partner Portal for monitoring customer applications, mortgage calculator widgets, unique referral links, and real-time notifications. This channel enables agents to offer comprehensive services to their clients including mortgage financing assistance.
- Habeno Legal (Internal Legal Service)minorHabeno Legal is an affiliated legal service that provides lawyers to assist with property purchases including NIE number acquisition, contract review, power of attorney services, and ensuring legal compliance throughout the transaction. Available as an add-on service after pre-approval.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Habeno competitors and assessment
Company assessmentDirect peers
- A Place in the Sun: UK-based media brand and overseas property marketplace focused on international buyers purchasing property in Spain and other European destinations. Comparable buyer journey and content-led acquisition motion.
- Spot Blue International Property: Overseas property and mortgage brokerage serving international buyers in Spain and Portugal. Most directly comparable on the mortgage intermediation side.
- Lucas Fox: International real estate agency specializing in Spanish and Portuguese property for foreign buyers, offering in-house advisory services adjacent to mortgage brokering. Overlaps directly with Habeno's customer profile and service bundling.
- Mortgage Direct Spain: Independent Spanish mortgage broker targeting non-resident and expatriate buyers with multi-bank comparison. Closely overlapping service model to Habeno's core offering.
- Kyero: Online property portal connecting international buyers with Spanish property listings, including mortgage guidance. Targets the same non-resident buyer segment as Habeno and competes for the same inbound demand.
Regional players
- Imovirtual: Portugal's leading property portal. Relevant peer on the Portuguese side of Habeno's market and a potential partner or competitor for buyer lead generation.
Broad incumbents
- Rightmove Overseas: UK property platform's international section listing Spanish and Portuguese homes for foreign buyers. Touches the same non-resident buyer demand pool.
- Engel & Völkers: Global luxury real estate franchise with strong Iberian presence and ancillary mortgage advisory offerings for international buyers. Larger, broader portfolio player rather than a mortgage specialist.
- idealista: Spain's leading property portal with growing international traffic and mortgage comparison tools. Overlaps with Habeno at the top of the buyer funnel but is not a mortgage intermediary.
Emerging players
- Casavo: Spanish proptech focused on streamlining residential property transactions via instant-buying and digital closing. Adjacent in simplifying the Iberian property transaction stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Habeno social profiles
Digital presenceHabeno compliance and trust
Trust signalCompliance2 records
Habeno financial estimates
Financial estimateRevenue estimate
Valuation estimate
Habeno leadership team
Management profileNumber of profiles
Profiles10 records
Habeno funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Habeno 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 Habeno
What does Habeno do?
Habeno is a mortgage advisory and brokerage service that helps non-resident international buyers secure mortgages from leading Spanish and Portuguese banks. It negotiates with multiple partner banks on each customer's behalf, manages documentation (including certified translations), and coordinates with lawyers, notaries, appraisers, and real estate agents through to closing. A free online pre-approval determines borrowing capacity within one banking day, after which customers pay only a success fee (1% of loan amount, minimum €2,000) if they accept a mortgage offer from a partner bank.
Is Habeno a public or private company?
Habeno is a private company. It is classified as unknown and is currently operating.
When was Habeno founded?
Habeno was founded in 2021. It employs 11 to 50 people.
Where is Habeno based?
Habeno is headquartered in Marbella, Spain, in the Europe region.
How does Habeno make money?
One revenue line is on record: success Fee on Mortgage Loans.
Who are Habeno's main competitors?
Direct peers on record are A Place in the Sun, Spot Blue International Property, Lucas Fox, Mortgage Direct Spain and Kyero. Imovirtual is listed as a regional player. Broad incumbents are Rightmove Overseas, Engel & Völkers and idealista. Casavo is listed as an emerging player.
Does Habeno have an API?
No public API is recorded for Habeno.
What industry is Habeno in?
Habeno's product category is International Mortgage Brokerage Services. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSAEAEAD, Home Equity Loan & HELOC Intermediation. Its NAICS code is 522310 and its SIC code is 6163.