不動産フィンテックの世界市場の評価：提供別、展開方式別、用途別、エンドユーザー別、地域別、機会、予測（2018年～2032年）

世界の不動産フィンテックの市場規模は、2024年の212億3,000万米ドルから2032年に518億2,000万米ドルに増加すると予測され、予測期間の2025年～2032年にCAGRで11.80%の成長が見込まれます。急速にデジタル化する不動産エコシステムにおいて、安全でパーソナライズされた摩擦のない不動産融資や投資に対する需要が高まり、世界の不動産フィンテック市場の成長を後押ししています。この急成長の主な要因は、シームレスなオンライン住宅ローン処理の推進、透明性の高い融資・投資慣行に関する規制の高まり、十分なサービスを受けていない人々へ不動産アクセスを民主化するニーズの高まりなどです。

世界の不動産フィンテック市場の動きは速く、急速に変化しています。これは主に、住宅ローンの組成やトークン化不動産投資から不動産賃貸管理まで、デジタルファーストの不動産サービスに対する需要によるものです。不動産（プロパティテック）、金融（フィンテック）、保険（インシュアテック）の技術が「スーパーアプリ」の傘下で融合し、投資と成長を促進しています。従来のプロセスは、自動化とAIによって合理化され、より統合された融資とサービスのプロセスを生み出し、バイヤー、ブローカー、デベロッパーのいずれにとっても、取引プロセスの透明性、速度、移植性を高めています。市場の各社は、需要の高まりに対応し、市場の製品ポートフォリオを拡大するため、さまざまな関連サービスの開始を計画しています。

例えば2024年5月、フィンテックスタートアップのOneDome Ltd.は、AIを搭載したフルサービスのマーケットプレイスを立ち上げ、リスティング、住宅ローン金融、保険、権原、クロージングサービスなど、不動産の購入、賃貸、投資に関連するあらゆるサービスを1つのインターフェースだけで提供し、組み込み型フィンテックがいかに世界中の不動産取引のあり方を変えているかを示しました。

当レポートでは、世界の不動産フィンテック市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢などを提供しています。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

• 回答者の人口統計（不動産投資家、住宅購入者、デベロッパー）
• デジタル不動産プラットフォームの認知度
• 主な考慮すべき特徴（ローン承認速度、不動産の評価の正確性、プラットフォームのセキュリティ、ユーザーインターフェース）
• 望ましいフィンテックサービス（住宅ローン、トークン化不動産投資、不動産クラウドファンディング）

第5章 世界の不動産フィンテックの見通し（2018年～2032年）

• 市場規模の分析と予測
  • 金額
• 市場シェアの分析と予測
  • 提供別
    • ソリューション
    • サービス
  • 展開方式別
    • オンプレミス
    • クラウドベース
  • 用途別
    • 住宅ローン
    • 不動産投資プラットフォーム
    • トークン化不動産プラットフォーム
    • 賃貸管理
    • クラウドファンディングプラットフォーム
    • 不動産管理ソフトウェア
  • エンドユーザー別
    • 個人バイヤー、投資家
    • 不動産業者、ブローカー
    • 不動産デベロッパー
    • 商業不動産企業
  • 地域別
    • 北米
    • 欧州
    • アジア太平洋
    • 南米
    • 中東・アフリカ
  • 市場シェア分析：企業別（上位5社とその他）（金額）（2024年）
• 市場マップ分析（2024年）
  • 提供別
  • 展開方式別
  • 用途別
  • エンドユーザー別
  • 地域別

第6章 北米の不動産フィンテックの見通し（2018年～2032年）

• 市場規模の分析と予測
  • 金額
• 市場シェアの分析と予測
  • 提供別
    • ソリューション
    • サービス
  • 展開方式別
    • オンプレミス
    • クラウドベース
  • 用途別
    • 住宅ローン
    • 不動産投資プラットフォーム
    • トークン化不動産プラットフォーム
    • 賃貸管理
    • クラウドファンディングプラットフォーム
    • 不動産管理ソフトウェア
  • エンドユーザー別
    • 個人バイヤー、投資家
    • 不動産業者、ブローカー
    • 不動産デベロッパー
    • 商業不動産企業
  • シェア：国別
    • 米国
    • カナダ
    • メキシコ
• 各国の市場の評価
  • 米国の不動産フィンテックの見通し（2018年～2032年）
    • 市場規模の分析と予測
    • 市場シェアの分析と予測
  • カナダ
  • メキシコ

第7章 欧州の不動産フィンテックの見通し（2018年～2032年）

• ドイツ
• フランス
• イタリア
• 英国
• ロシア
• オランダ
• スペイン
• トルコ
• ポーランド

第8章 アジア太平洋の不動産フィンテックの見通し（2018年～2032年）

• インド
• 中国
• 日本
• オーストラリア
• ベトナム
• 韓国
• インドネシア
• フィリピン

第9章 南米の不動産フィンテックの見通し（2018年～2032年）

• ブラジル
• アルゼンチン

第10章 中東・アフリカの不動産フィンテックの見通し（2018年～2032年）

• サウジアラビア
• アラブ首長国連邦
• 南アフリカ

第11章 需給の分析

第12章 バリューチェーン分析

第13章 ポーターのファイブフォース分析

第14章 PESTLE分析

第15章 市場力学

• 市場促進要因
• 市場の課題

第16章 市場動向と発展

第17章 収益モデル分析

第18章 ケーススタディ

第19章 競合情勢

• マーケットリーダー上位5社の競合マトリクス
• 上位5社のSWOT分析
• 主要企業上位10社の情勢
  • Roofstock, Inc.
  • Fundrise, LLC
  • Better Holdco, Inc.
  • Divvy Homes, Inc.
  • Propy, Inc.
  • LendInvest Limited
  • Habito Limited
  • Loft Tecnologia Ltda.
  • PropertyGuru Pte. Ltd.
  • NoBroker Technologies Solutions Private Limited

第20章 戦略的提言

第21章 調査会社について・免責事項

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Global Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 2. Global Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 3. Global Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 4. Global Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 5. Global Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 6. Global Real Estate Fintech Market Share (%), By Region, 2018-2032F
• Figure 7. North America Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 8. North America Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 9. North America Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 10. North America Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 11. North America Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 12. North America Real Estate Fintech Market Share (%), By Country, 2018-2032F
• Figure 13. United States Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 14. United States Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 15. United States Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 16. United States Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 17. United States Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 18. Canada Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 19. Canada Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 20. Canada Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 21. Canada Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 22. Canada Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 23. Mexico Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 24. Mexico Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 25. Mexico Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 26. Mexico Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 27. Mexico Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 28. Europe Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 29. Europe Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 30. Europe Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 31. Europe Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 32. Europe Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 33. Europe Real Estate Fintech Market Share (%), By Country, 2018-2032F
• Figure 34. Germany Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 35. Germany Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 36. Germany Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 37. Germany Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 38. Germany Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 39. France Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 40. France Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 41. France Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 42. France Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 43. France Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 44. Italy Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 45. Italy Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 46. Italy Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 47. Italy Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 48. Italy Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 49. United Kingdom Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 50. United Kingdom Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 51. United Kingdom Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 52. United Kingdom Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 53. United Kingdom Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 54. Russia Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 55. Russia Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 56. Russia Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 57. Russia Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 58. Russia Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 59. Netherlands Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 60. Netherlands Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 61. Netherlands Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 62. Netherlands Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 63. Netherlands Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 64. Spain Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 65. Spain Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 66. Spain Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 67. Spain Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 68. Spain Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 69. Turkey Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 70. Turkey Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 71. Turkey Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 72. Turkey Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 73. Turkey Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 74. Poland Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 75. Poland Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 76. Poland Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 77. Poland Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 78. Poland Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 79. South America Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 80. South America Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 81. South America Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 82. South America Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 83. South America Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 84. South America Real Estate Fintech Market Share (%), By Country, 2018-2032F
• Figure 85. Brazil Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 86. Brazil Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 87. Brazil Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 88. Brazil Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 89. Brazil Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 90. Argentina Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 91. Argentina Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 92. Argentina Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 93. Argentina Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 94. Argentina Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 95. Asia-Pacific Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 96. Asia-Pacific Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 97. Asia-Pacific Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 98. Asia-Pacific Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 99. Asia-Pacific Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 100. Asia-Pacific Real Estate Fintech Market Share (%), By Country, 2018-2032F
• Figure 101. India Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 102. India Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 103. India Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 104. India Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 105. India Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 106. China Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 107. China Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 108. China Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 109. China Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 110. China Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 111. Japan Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 112. Japan Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 113. Japan Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 114. Japan Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 115. Japan Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 116. Australia Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 117. Australia Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 118. Australia Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 119. Australia Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 120. Australia Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 121. Vietnam Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 122. Vietnam Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 123. Vietnam Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 124. Vietnam Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 125. Vietnam Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 126. South Korea Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 127. South Korea Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 128. South Korea Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 129. South Korea Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 130. South Korea Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 131. Indonesia Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 132. Indonesia Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 133. Indonesia Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 134. Indonesia Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 135. Indonesia Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 136. Philippines Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 137. Philippines Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 138. Philippines Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 139. Philippines Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 140. Philippines Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 141. Middle East & Africa Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 142. Middle East & Africa Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 143. Middle East & Africa Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 144. Middle East & Africa Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 145. Middle East & Africa Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 146. Middle East & Africa Real Estate Fintech Market Share (%), By Country, 2018-2032F
• Figure 147. Saudi Arabia Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 148. Saudi Arabia Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 149. Saudi Arabia Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 150. Saudi Arabia Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 151. Saudi Arabia Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 152. UAE Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 153. UAE Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 154. UAE Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 155. UAE Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 156. UAE Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 157. South Africa Real Estate Fintech Market, By Value, In USD Billion, 2018-2032F
• Figure 158. South Africa Real Estate Fintech Market Share (%), By Offerings, 2018-2032F
• Figure 159. South Africa Real Estate Fintech Market Share (%), By Deployment Mode, 2018-2032F
• Figure 160. South Africa Real Estate Fintech Market Share (%), By Application, 2018-2032F
• Figure 161. South Africa Real Estate Fintech Market Share (%), By End-user, 2018-2032F
• Figure 162. By Offerings Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 163. By Deployment Mode Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 164. By Application Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 165. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 166. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024

Global real estate fintech market is projected to register a CAGR of 11.80% in the forecast period 2025-2032, increasing from USD 21.23 billion in 2024 to USD 51.82 billion in 2032F. The increasing demand for secure, personalized, and frictionless property financing and investments in a rapidly digitizing real estate ecosystem, propelling the global real estate fintech market growth. Key contributors to this surge include the push for seamless online mortgage processing, rising regulatory focus on transparent lending and investment practices, and the growing need to democratize property access for underserved populations.

The global real estate fintech market is moving fast and changing rapidly, primarily due to demand for digital-first property services, from mortgage origination and tokenized property investment to property rentals management. The convergence of technology in real estate (property tech), finance (fintech), and insurance (insurtech), all within the umbrella of "super-apps", is driving investment and growth. Traditional processes are being rationalized through automation and artificial intelligence (AI), creating a more integrated process of financing and services and increasing transparency, speed, and portability of the transaction process for buyers, brokers, and developers alike. Companies in the market are planning to launch different concerned services to address the rising demand and expand market product portfolio.

For instance, in May 2024, the fintech start-up OneDome Ltd. launched a full-service, AI-powered marketplace providing listings, mortgage finance, insurance, title, closing services, and everything else associated with buying, renting, or investing in property, using just one interface to show how embedded fintech is changing how property transactions are done around the world.

Rising Embedded Services Drive Global Real Estate Fintech Market Share

The emergence of platforms embedding mortgage, payment, and insurance solutions directly into their platforms (and, at times, their experiences) is a significant driver of growth in the real estate fintech market. Simply, modern consumers expect an integrated experience when searching for a home, arranging financing, and getting insurance in one digital workflow, driving the global market growth. In addition, the fintech solutions have proven efficient in reducing friction in many places, reducing customer acquisition costs, and shortening the time from offering to closing. Platforms unite frequently used services, such as automation and artificial intelligence underwriting, and APIs together to deliver an expedited quote and digital approval process. Ultimately, these platforms reduce unnecessary customer friction in the approval process, improve conversions, and build customer trust, transparency, and agency with their decision space throughout the home buying transaction. Even more, these platforms enable better options for those borrowers with alternative income profiles, or no credit scores by providing better alternative data-based underwriting capabilities.

In January 2024, Autodesk, Inc. acquired Payapps UK Ltd, a platform that digitizes contract payments in the construction and real estate development sectors. This acquisition demonstrates Autodesk's strategic mission to create the ability to develop fintech workflows that exist in property tech ecosystems. Overall, Autodesk now possesses the core technology to add end-to-end payment processing and payment systems for its customers throughout a single project lifecycle. With these integrated processes, real estate developers can expect a greater level of certainty regarding cash flow for every aspect of the real estate development workflow, along with more secure compliance on a project-wide basis with their internal functionalities.

Growing Usage of Tokenization Surges Global Real Estate Fintech Market Demand

Tokenized real estate and equity crowdfunding platforms are quickly taking off around the world, democratizing property ownership through fractional investing. These platforms allow you to carry out investment in the form of shares of residential or commercial real estate that are owned through smart contracts based on blockchain technology. By using these methods, there are lower barriers to entry for investors, higher liquidity of assets, and a global marketplace due to global connectivity. Furthermore, the emergence of digital wallets and extension through mobile apps will enable and streamline investing models such as micro-investing and recurring investing, so that it is super easy for any user to establish a diversified portfolio with very little money. Immediate outcomes of tokenization are fiscal auditability, instant settlement, and a streamlined transfer of asset types, which appeal to retail investors as well as institutional account holders.

For instance, in August 2024, real estate fintech Pinata launched "Pinata Pay," directly with Visa, which permits people to participate and invest in real estate using Visa cards. Furthermore, this initiative indicates that tokenized platforms are officially becoming mainstream by incorporating traditional finance infrastructure into a decentralized investment model. This innovation inherently simplifies the payment method and the footprint of fractional ownership while enhancing accessibility and market adoption across fractional ownership platforms.

Mortgage Lending Dominates the Global Real Estate Fintech Market

With a variety of applications in the real estate fintech space, mortgage lending remains dominant from its origins in the need for a quicker, more efficient, and digitized home loan process. As an example, modern fintech platforms now offer options ranging from instant pre-approval, demand opportunities with electronic document verification, AI-underwriting, and real-time application tracking; they are dramatically enhancing customer experience and dealer efficiency. These types of offers create a space where, for the first time in some instances, barriers to the traditional mortgage process, such as excessive processing times and limitations to personalization, are being addressed through automated and intelligent processes. The integration of mortgage APIs into property search platforms also offers a simple solution for buyers who can (while browsing listings) request and receive real-time financing options, integrating a layer of financing into the search experience by eliminating the typical disconnect between discovery and financing in a shared digital space.

In March 2024, LendInvest plc launched a suite of new residential mortgage products, increasing LTV limits on MUFB BTLs (Multi-Unit Freehold Blocks Buy-to-Let) to maximize their reach to a broader customer base, such as first-time buyers and property investors, while marketing their products as specific to speed and flexible arrangements. Attending to these advertising, development, and overall offerings to enhance ease and flexibility are consistent with how mortgage lending has turned into a faster and more borrower-friendly endeavor, if there is such a term, and becomes a benchmark for how the real estate fintech industry will evolve.

North America Dominates the Global Real Estate Fintech Market Size

North America continues to lead the real estate fintech sector due to a unique convergence of technology adoption, venture capital investment, and regulatory support. The U.S. real estate market is well within the rapid early digitization phase with respect to listings, financing, and the transfer of ownership. As consumers are increasingly using mobile-first platforms to discover homes, apply for mortgages online, and complete real estate transactions without ever having to step foot in a bank or brokerage, are seeing early adopters across all income levels. Public policy initiatives aimed at affordable housing and financial inclusion have reinforced this and further speed up North America's adoption trend across all income cohorts. North America is also establishing standards in three-dimensional (3D) property modeling, blockchain title services, and AI-based lenders.

For instance, in October 2024, Costar Group acquired Matterport to create a more comprehensive and robust property ecosystem. The Matterport acquisition embeds immersive virtual tour experiences and integrates other types of financing and transaction data; thus, further cementing North America's leadership role in the proptech/fintech converged space and reflecting the stated emerging trend of proptech and fintech firms increasingly merging assets.

Key Players Landscape and Outlook

A combination of pure-play fintechs, property tech companies, and established financial institutions taking their first steps into the digital real estate arena comprises the real estate fintech market. Companies are offering some unique propositions, from fractional ownership, embedded mortgage, to decentralized property transfer. The real estate fintech market is maturing and anticipate an uptick in M&A activity between incumbents who acquire niche startups to plug technology gaps. Competitive intensity is also being shaped by international expansions in the local market, changes in regulations, and partnerships through embedded finance.

For example, in 2024, Legacy Group Capital acquired Rook Capital, which is an award-winning real estate fintech firm. The acquisition allowed Legacy to add to its capabilities around tech-driven mortgage origination and risk management. Further signaling a consolidation trend amongst mid-sized players, and the need to move both upstream and downstream whilst still being able to offer property financing.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

• 4.1. Respondent Demographics (Real Estate Investors, Homebuyers, Developers)
• 4.2. Awareness of Digital Real Estate Platforms
• 4.3. Key Features Considered (Loan Approval Speed, Property Valuation Accuracy, Platform Security, User Interface)
• 4.4. Preferred Fintech Services (Mortgage Lending, Tokenized Real Estate Investment, Real Estate Crowdfunding)

5. Global Real Estate Fintech Outlook, 2018-2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Offerings
    • 5.2.1.1. Solutions
    • 5.2.1.2. Services
  • 5.2.2. By Deployment Mode
    • 5.2.2.1. On-premises
    • 5.2.2.2. Cloud-based
  • 5.2.3. By Application
    • 5.2.3.1. Mortgage Lending
    • 5.2.3.2. Real Estate Investment Platforms
    • 5.2.3.3. Tokenized Real Estate Platforms
    • 5.2.3.4. Rental Management
    • 5.2.3.5. Crowdfunding Platforms
    • 5.2.3.6. Property Management Software
  • 5.2.4. By End-user
    • 5.2.4.1. Individual Buyers and Investors
    • 5.2.4.2. Real Estate Agents and Brokers
    • 5.2.4.3. Property Developers
    • 5.2.4.4. Commercial Real Estate Firms
  • 5.2.5. By Region
    • 5.2.5.1. North America
    • 5.2.5.2. Europe
    • 5.2.5.3. Asia-Pacific
    • 5.2.5.4. South America
    • 5.2.5.5. Middle East and Africa
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 5.3.1. By Offerings
  • 5.3.2. By Deployment Mode
  • 5.3.3. By Application
  • 5.3.4. By End-user
  • 5.3.5. By Region

6. North America Real Estate Fintech Outlook, 2018-2032F

• 6.1. Market Size Analysis & Forecast
  • 6.1.1. By Value
• 6.2. Market Share Analysis & Forecast
  • 6.2.1. By Offerings
    • 6.2.1.1. Solutions
    • 6.2.1.2. Services
  • 6.2.2. By Deployment Mode
    • 6.2.2.1. On-premises
    • 6.2.2.2. Cloud-based
  • 6.2.3. By Application
    • 6.2.3.1. Mortgage Lending
    • 6.2.3.2. Real Estate Investment Platforms
    • 6.2.3.3. Tokenized Real Estate Platforms
    • 6.2.3.4. Rental Management
    • 6.2.3.5. Crowdfunding Platforms
    • 6.2.3.6. Property Management Software
  • 6.2.4. By End-user
    • 6.2.4.1. Individual Buyers and Investors
    • 6.2.4.2. Real Estate Agents and Brokers
    • 6.2.4.3. Property Developers
    • 6.2.4.4. Commercial Real Estate Firms
  • 6.2.5. By Country Share
    • 6.2.5.1. United States
    • 6.2.5.2. Canada
    • 6.2.5.3. Mexico
• 6.3. Country Market Assessment
  • 6.3.1. United States Real Estate Fintech Outlook, 2018-2032F*
    • 6.3.1.1. Market Size Analysis & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share Analysis & Forecast
      • 6.3.1.2.1. By Offerings
        • 6.3.1.2.1.1. Solutions
        • 6.3.1.2.1.2. Services
      • 6.3.1.2.2. By Deployment Mode
        • 6.3.1.2.2.1. On-premises
        • 6.3.1.2.2.2. Cloud-based
      • 6.3.1.2.3. By Application
        • 6.3.1.2.3.1. Mortgage Lending
        • 6.3.1.2.3.2. Real Estate Investment Platforms
        • 6.3.1.2.3.3. Tokenized Real Estate Platforms
        • 6.3.1.2.3.4. Rental Management
        • 6.3.1.2.3.5. Crowdfunding Platforms
        • 6.3.1.2.3.6. Property Management Software
      • 6.3.1.2.4. By End-user
        • 6.3.1.2.4.1. Individual Buyers and Investors
        • 6.3.1.2.4.2. Real Estate Agents and Brokers
        • 6.3.1.2.4.3. Property Developers
        • 6.3.1.2.4.4. Commercial Real Estate Firms
  • 6.3.2. Canada
  • 6.3.3. Mexico

All segments will be provided for all regions and countries covered

7. Europe Real Estate Fintech Outlook, 2018-2032F

• 7.1. Germany
• 7.2. France
• 7.3. Italy
• 7.4. United Kingdom
• 7.5. Russia
• 7.6. Netherlands
• 7.7. Spain
• 7.8. Turkey
• 7.9. Poland

8. Asia-Pacific Real Estate Fintech Outlook, 2018-2032F

• 8.1. India
• 8.2. China
• 8.3. Japan
• 8.4. Australia
• 8.5. Vietnam
• 8.6. South Korea
• 8.7. Indonesia
• 8.8. Philippines

9. South America Real Estate Fintech Outlook, 2018-2032F

• 9.1. Brazil
• 9.2. Argentina

10. Middle East and Africa Real Estate Fintech Outlook, 2018-2032F

• 10.1. Saudi Arabia
• 10.2. UAE
• 10.3. South Africa

11. Demand Supply Analysis

12. Value Chain Analysis

13. Porter's Five Forces Analysis

14. PESTLE Analysis

15. Market Dynamics

• 15.1. Market Drivers
• 15.2. Market Challenges

16. Market Trends and Developments

17. Revenue Model Analysis

18. Case Studies

19. Competitive Landscape

• 19.1. Competition Matrix of Top 5 Market Leaders
• 19.2. SWOT Analysis for Top 5 Players
• 19.3. Key Players Landscape for Top 10 Market Players
  • 19.3.1. Roofstock, Inc.
    • 19.3.1.1. Company Details
    • 19.3.1.2. Key Management Personnel
    • 19.3.1.3. Products and Services
    • 19.3.1.4. Financials (As Reported)
    • 19.3.1.5. Key Market Focus and Geographical Presence
    • 19.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 19.3.2. Fundrise, LLC
  • 19.3.3. Better Holdco, Inc.
  • 19.3.4. Divvy Homes, Inc.
  • 19.3.5. Propy, Inc.
  • 19.3.6. LendInvest Limited
  • 19.3.7. Habito Limited
  • 19.3.8. Loft Tecnologia Ltda.
  • 19.3.9. PropertyGuru Pte. Ltd.
  • 19.3.10. NoBroker Technologies Solutions Private Limited

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

20. Strategic Recommendations

21. About Us and Disclaimer