Housers

At a Glance

What is Housers in 60 Seconds

Housers is a Madrid-based property investment platform that launched in 2015 and is one of the longer-running names in Spanish crowdlending. Today its live offering is centred on real estate lending, with a minimum of EUR 300 per project. It is authorised under the ECSP regime as a registered provider with Spain’s CNMV, listed as number 13 on the national register.

The platform has a history worth understanding. Alongside its current lending model, Housers previously offered equity and participative loan structures, both of which have since been discontinued. Its stated 7.45% is an achieved internal rate of return, a backward-looking measure, so investors should treat it as a record of past deals rather than a promise about future ones.

Strengths

• Registered under the ECSP regime with the CNMV as provider number 13, placing it within Spain’s supervised framework.
• One of the earliest Spanish crowdlending platforms, operating since 2015 with a long deal history.
• Current focus on real estate lending gives a clearer, more defined product than its earlier mixed offering.
• Stated 7.45% achieved IRR provides a concrete, realised reference point for past performance.

Things to Watch

• Equity and participative loan products are legacy and discontinued; investors holding older positions should track how those are being wound down.
• The EUR 300 per-project minimum is higher than many peer platforms, making broad diversification more costly.
• The 7.45% figure is an achieved IRR on past deals and is not a forward-looking yield.
• Property lending is exposed to development delays and local market swings, and ECSP registration does not remove that risk or guarantee repayment.

How It Works

Housers currently offers real estate lending, where investors fund loans tied to property projects and receive interest and principal repayments over the loan term. The entry point is EUR 300 per project, and investors select deals individually according to term, rate and the underlying property.

The platform’s earlier model was broader, including equity stakes and participative loans, both now discontinued. That shift narrows the product to a more conventional lending structure, which is generally easier for retail investors to assess, though legacy positions from the older models may still be running off.

Who Is It For

Housers suits investors interested in Spanish property lending who can commit at least EUR 300 per project and want a platform with a long operating history under CNMV oversight. It is less suited to those seeking very low minimums or the equity-style upside the platform no longer offers.

How It Compares

Within the crowdlending field, Housers sits in the regulated real estate lending segment rather than the agricultural or general SME lenders. Its ECSP registration puts it on the same regulatory footing as other licensed European platforms, while its higher per-project minimum and property focus distinguish it from lower-entry, sector-diverse lenders such as GoParity.

FAQ

Is Housers regulated? Yes. Housers is registered under the ECSP regime with Spain’s CNMV, listed as provider number 13. Registration brings supervision and standardised disclosure but does not insure your capital.

Can I still invest in equity or participative loans? No. Those products are legacy and have been discontinued. The current live offering is real estate lending, though older positions may still be running off.

What is the minimum investment? The minimum is EUR 300 per project, which is higher than several peer platforms and affects how widely you can diversify.

What does the 7.45% figure mean? It is an achieved internal rate of return, a measure of past realised performance. It reflects completed deals and should not be read as a guaranteed future yield.

The Bottom Line

Housers holds position #20 as an established, CNMV-registered Spanish property lender with a long history and a now-simplified lending focus. The discontinued equity and participative products and the relatively high EUR 300 minimum are the main caveats, and the 7.45% is a rear-view IRR rather than a forecast. It is a reasonable option for investors set on regulated Spanish real estate lending who are comfortable with property-specific risk. Capital at risk. P2P lending is not covered by deposit-guarantee schemes.

Affiliate Disclosure

TopPulse is not an affiliate partner of Housers. Links go directly to the platform. This does not influence our editorial position.