Coming soon — Full platform launching 2026. This is a preview.
Fintech · Social Impact · Proprietary Model
Credifys simplifies the path to homeownership through intelligent onboarding, financial matching, and digital mortgage workflows designed for the next generation of buyers.
Based in Madrid · Built for Iberia & Europe · Private Beta 2026
Our Mission
The mortgage market is broken. Young buyers are systematically excluded — not because they cannot afford a home, but because the system was never built for them.
Credifys changes that. Our ecosystem connects buyers, banks and investors through intelligent workflows — making mortgage access faster, fairer and safer for everyone.
We do not just facilitate mortgages. We restore dignity and opportunity to those who need it most.
Our proprietary model eliminates mortgage risk. Banks originate more credit at better rates, with 99%+ capital recovery security in default scenarios.
No personal guarantors. No punitive spreads. Credit access based on real financial behaviour — not an incomplete credit history.
A real-asset-backed ecosystem with counter-cyclical resilience and structured returns in one of Europe's most underserved markets.
The Problem
Most first-time buyers still navigate disconnected banks, brokers and paperwork manually — without guidance or a digital infrastructure to support them.
Financing options are difficult to compare and understand. Spreads, fees and conditions are opaque — always penalising those with the least experience.
Mortgage onboarding remains heavily dependent on manual workflows. 1 in 3 mortgages in Portugal is at default risk — a systemic failure with no digital solution in sight.
How It Works
Credifys connects the entire mortgage journey in a single intelligent platform — removing friction for buyers, risk for banks, and complexity for everyone.
Users securely submit their financial profile and home-buying preferences through our guided digital onboarding.
Our AI identifies financing options aligned with each buyer's profile — including guarantee solutions that remove the need for personal guarantors.
Buyers receive a streamlined application experience — with full transparency on rates, conditions and next steps.
Banks, brokers, insurers and notaries connect through a centralised workflow — reducing processing time and eliminating systemic risk.
Why Now?
Digital banking adoption, rising affordability challenges and changing expectations from younger buyers are accelerating demand for modern mortgage experiences. Credifys is positioned at the intersection of fintech, onboarding automation and home financing accessibility.
Millennials and Gen Z now represent the majority of first-home purchase decisions in Iberia — and they expect a fully digital experience.
European banks face growing NPL ratios and regulatory pressure to reduce mortgage risk — Credifys provides the institutional guarantee layer they need.
No platform currently addresses the full mortgage journey — from buyer profiling to guarantee management to partner ecosystem — in a single digital product.
Platform architecture and product roadmap in active development.
Building strategic relationships with banks and real estate partners in Portugal and Spain.
Initial market validation underway in Iberia. MVP launch planned: Portugal 2026.
Phase 1: €500K · Total: €1.93M · Full memorandum available under NDA.
Financial Projections
| Year | Operations | Estimated Revenue | EBITDA | Market Share (PT) |
|---|---|---|---|---|
| Year 1 | 269 | €2,712,387 | €2,394,887 | 0.2% |
| Year 2 | 2,497 | €29,480,997 | €28,979,197 | 1.5% |
| Year 3 | 4,994 | €58,094,894 | €56,984,794 | 2.9% |
| TOTAL · 4 markets | €90,288,278 | €88,358,878 | Investment: €1,929,400 | |
Our Vision
169,000 residential transactions per year. A €34B annual market. Proven model validated before any further expansion.
Europe's second-largest mortgage market. ~700,000 transactions per year. Natural expansion from the Iberian base.
4.2 million residential purchases per year across Europe. Credifys is built to become the institutional guarantee layer across the continent.
3-Year Conservative Projections
Cumulative EBITDA · 3 years · 4 markets
Full 6-year, 12-market business plan available under NDA. Projected cumulative revenues and EBITDA after 6 years exceeding €2 billion.
The Team
Experienced operators with backgrounds across fintech, infrastructure, energy, real estate investment banking and international business development in Iberia and Latin America.
International business executive. 20+ years scaling B2B operations across Iberia and LATAM in technology, infrastructure and energy. Strategic growth, M&A, venture ecosystems. IESE Business School.
LinkedInSeasoned Global Investment Banker (20yrs) in the US, UK, Portugal, Spain and Brazil. Former Head of Real Estate Investment Banking, Bankers Trust / Deutsche Bank.
Platform architecture, AI integration and product development for scalable fintech ecosystems.
Legal framework, regulatory compliance and operational structuring across Portugal and Spain. Legalitas outsourcing.
Contact
Whether you are a bank, a real estate agency, a potential investor or simply want to know more — we would love to hear from you.
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