A single architecture for European home-equity finance.
Maisonflex operates the design, structuring, and technology layer behind home-equity products issued by licensed partner banks across Europe. The platform is the product. Licensed partners are the issuers.
Three layers, one platform.
Product distribution, regulated advice, account servicing, customer relationship — under the partner's authorisation in each jurisdiction.
Product design, eligibility, scoring, structuring, loan-level data, securitization templates, performance reporting.
Risk transfer via insurance wraps, warehouse facilities, and term securitization vehicles structured from origination.
Configured to the customer, not the other way round.
The platform supports three customer segments, each with distinct product structures, eligibility, and capital treatment. Partner banks select and white-label the configurations relevant to their book.
| Segment | Primary use cases | Product structure | Combined LTV |
|---|---|---|---|
| 35 – 50 | Funding a child's first-home deposit · home improvement · debt consolidation | HELOC, 5–15 yr, drawable | Up to 80% combined |
| 50 – 65 | Funding a child's deposit · retirement preparation · EPBD-mandated renovation | HELOC or term equity release | Up to 65% |
| 65 + | Retirement income · long-term care · intergenerational wealth transfer | Lifetime mortgage / reversionary | Up to 50% |
Illustrative. Final product parameters are set by each partner bank in line with its credit policy and local regulatory framework.
Securitization, built in from origination.
Every origination on the Maisonflex platform is captured with the data schema, eligibility rules, and reporting cadence required for warehouse financing and term securitization. The book is investable from day one.
- Loan-level data aligned with ECB and ESMA reporting templates
- Pre-mandated independent servicer and trustee architecture
- Insurance wraps designed alongside the underlying product, not retrofitted
- Single eligibility framework with jurisdiction-specific overlays
The reference Flexible Equity Access design.
The platform's reference HELOC combines a draw-and-repay line with compulsory term life cover and a shared-appreciation feature. Partners select which elements to deploy.
Reference parameters from the Maisonflex product design note. Partner-bank parameters may vary within agreed bounds.
Where the 7.15% goes.
| Component | Annualised | Recipient |
|---|---|---|
| Cost of funds | 4.29% | 20% warehouse @ 5.6% · 80% securitization @ 4.0% |
| Servicer margin | 0.50% | Servicing partner |
| Origination (amortised) | 0.30% | Partner bank · platform |
| Documentation (amortised) | 0.25% | Legal · notarial · land registry |
| Customer acquisition (amortised) | 0.15% | Partner bank distribution |
| Lender margin | 1.00% | Partner bank net |
| Interest sub-total | 6.49% | — |
| Life-cover premium | 0.665% | Partner insurer · 1.33× principal |
| Borrower all-in cost | 7.15% | — |
What happens in one country.
- 01
Partner bank originates
Under its own licence, using Maisonflex product design and scoring.
- 02
Platform structures
Loan-level data, eligibility, and reporting captured at inception.
- 03
Capital warehouses
Warehouse line funds origination; insurer wraps mortality and HPI risk.
- 04
Term issuance
Pool reaches scale, term notes are issued to capital-markets investors.