Skip to content
Get early accessTalk to us

Your second home. Financed like you live here.

One careful entry for Nordic, UK, German and Benelux owners buying in Spain and France. We prepare a bank-ready dossier; a Kalebo specialist presents it. The bank decides.

Get early accessTalk to us

Opening in Spain first, then France. Join the waitlist and get access at launch.

The line we do not cross

We are not the lender. A pre-screen is not a credit decision. Rates shown in any estimate are examples, not offers.

Straw parasols and stacked sun loungers on an empty beach at Rincón de la Victoria, near Málaga, in evening light
Rincón de la Victoria, Málaga

Cross-border financing is hard for a reason

Your income, tax records and bank accounts sit in one country. Local lenders need dossiers in another language, with ratios on their own rules. That gap usually means weeks of manual work — or no local financing at all.

A garden terrace with a stone bench, looking across the bay towards Villefranche-sur-Mer
Saint-Jean-Cap-Ferrat, Alpes-Maritimes

We prepare. A person explains. The bank decides.

Kalebo collects home-country data with consent, pre-screens the file, and renders a dossier in local bank format. A Kalebo specialist explains every warning on the record. Credit and insurance decisions stay with the bank or insurer.

How it works

Destinations

Markets
A whitewashed street in Marbella’s old town, with bougainvillea climbing a house front
Marbella, Málaga

Spain

Especially coastal Andalusia — Málaga and Marbella — where many non-domestic owners seek local financing.

The hilltop village of Gordes in Provence in late-afternoon light
Gordes, Vaucluse

France

Especially Provence–Alpes–Côte d’Azur / PACA, a long-standing Nordic and Northern European second-home corridor.

What we are building toward

Hours, not weeks
A structured dossier assembled in hours rather than weeks of email.Target operating assumption
€0 before disbursement
Nothing payable by you before the loan is disbursed, where the rules allow.Jurisdiction-specific assumption
5 + 2
Home markets and destinations in the intended first scope.Target scope

The founders

Kalebo Financial Services is led by its founders, who bring experience from international banking, finance and financial technology across the Nordics, Germany and France.

Meet the founders

  • Joar Langeland

    Founder

  • Magnus Magnusson

    Co-founder

  • Valdemar Magnusson

    Co-founder and CTO

Be first to hear when we open

Join the waitlist if you are buying or owning abroad. Partners — agents and lenders — can reach us directly.

Get early accessTalk to us