Intergenerational
Parents funding a child's first home
Madrid · €450k home · €60k released to fund a Valencia deposit. The most common conversation across Southern Europe.
≈ 38% of expected origination flow
The opportunity, country by country
Seventeen markets.
One platform framework.
Internal sizing across 17 European markets identifies approximately 11.4 million homeowners aged 40–65 meeting eligibility for the product family. At indicative uptake rates of 4–9 percent — adjusted 10 percent down for macro conditions — the serviceable addressable market is around 881,000 homeowners and an indicative €88.1bn of facility volume.
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Phase 1 · 2026 Phase 2 · 2027 Phase 3 · 2028+Bubble area ∝ SAM (homeowners)
ES · Phase 1
Spain
- Eligible 40–65
- 1,700,000
- Indicative uptake
- 9%
- SAM (homeowners)
- 153,000
- SAM (€, @ €100k)
- €15,300M
Primary partner candidates
- · CaixaBank
- · Santander
- · BBVA
All markets
Indicative. Eligibility based on age (40–65), ≥20% home equity, and a credit-quality threshold equivalent to ~550 on a FICO-like scale. Uptake applied per market cluster with a 10% macro adjustment. Source: Maisonflex internal sizing (Jun 2025); Eurostat; Statista; ECB Housing Finance in the Euro Area (2020).
Aggregated
The numbers behind the map.
12.4M
Eligible homeowners 40–65
Across the 17 markets shown.
881,000
Serviceable addressable market
Homeowners likely to engage at 7.15% all-in cost.
€88.1bn
SAM by facility volume
At an indicative €100k average facility.
€702M
Year-one issuance target
~1% of SAM in the first annual cohort.
Top five by SAM
Where the volume concentrates.
IT
Italy
189.0k
homeowners
Lead partner candidates: UniCredit, Intesa Sanpaolo.
ES
Spain
153.0k
homeowners
Lead partner candidates: CaixaBank, Santander.
PL
Poland
144.0k
homeowners
Lead partner candidates: PKO BP, Pekao.
FR
France
114.0k
homeowners
Lead partner candidates: Crédit Agricole, BNP Paribas.
DE
Germany
72.0k
homeowners
Lead partner candidates: Deutsche Bank, Commerzbank.
Italy, Spain, and Poland together represent over 68 percent of the total SAM and anchor the medium-term roll-out plan.
Where the cash flows originate
Three durable demand patterns.
The SAM above is not theoretical. It is the sum of three household-level conversations that licensed partner banks already have every day across Europe — currently served, if at all, by products that are poorly fitted to the customer.
Renovation
EPBD-mandated energy upgrades
Antwerp · 1970s townhouse · heat pump and insulation funded over 15 years. Driven by hard EU regulatory deadlines.
≈ 34% of expected origination flow
Later life
Supplementing retirement income
Lisbon · €380k home · structured drawdown over 12 years alongside state pension. Demographic tailwind, not cyclical.
≈ 28% of expected origination flow
Allocation by use case is indicative, based on Maisonflex internal sizing and partner-bank pipeline conversations across Iberia, Benelux, Italy, and the Nordics.
What the map is not
A few honest caveats.
Not a forecast
These are addressable-market figures, not revenue or volume forecasts. Origination depends on partner readiness, regulatory clearance, and macro conditions.
Not a partner list
Named banks are partner candidates selected on market share and product fit. Partnership discussions are exploratory; nothing on this page should be read as a commercial commitment by any institution.
Not consumer-facing
All distribution to consumers is carried out exclusively by licensed partner institutions under their own authorisation in each jurisdiction.
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