Libeen funding news – Madrid-based Libeen Raises €25Million in Funding

Funding Utilisation

The funding will help Libeen expand across Spain, use AI technology, and buy key properties in major cities. With this capital, the company plans to help over 130 families secure homes in the next few months and expects steady growth by 2025.

It is also aiming to raise an additional €100M to buy more than 600 homes.

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The company buys the property the client chooses and sets up a Smarthousing contract. Clients pay a 5% deposit, and a third of each monthly payment goes toward saving for the home. After 3 to 7 years, clients can get a mortgage and become homeowners.

Cartes says, “Libeen’s model is designed to adapt to different market momentums. We mitigate this risk by securing long-term fixed-rate financing to stabilise costs, and we focus on high-demand locations where rental demand remains strong. Our model remains resilient because homeownership accessibility is a long-term challenge, not just a market trend.”

Iturbe said, “Our system analyses properties in real-time, identifying homes with the best appreciation potential, low risk, and high rental demand. On the customer side, we personalise financial assessments, offering tailored solutions based on income, credit and property preferences,”.

Since it started, Libeen says all of its clients have been able to get mortgages through its Smarthousing program. On average, clients save over €50,000 and complete the process in about three years.

Cartes on attracting young buyers said, “We speak their language. Libeen’s tech-first, transparent approach removes complexity, offering 100 per cent digital onboarding and a clear pathway to ownership. We also leverage social media and digital marketing to reach Millennials and Gen Z where they spend most of their time,”.

Sofia Iturbe and Jose Manuel Cartes, founders of Libeen, explain the smart-housing model to Silicon Canals: “Smarthousing offers flexibility, as tenants can gradually build equity using their monthly rent while living in their homes. Compared to mortgages, it removes the need for a 20 percent down payment and simplifies the process with AI-driven approvals, making homeownership more accessible.”

About Libeen

José Manuel Cartes and Sofía Iturbe founded Libeen to make homeownership easier with their smart-housing model. Libeen makes money through monthly SmartHousing payments, which are set to be similar to rental prices but also cover the costs of financing the property.