“When you buy a home from us, you have all costs in the embedded price,” Moreno told TechCrunch. “If you buy an old home, get a mortgage for an old home and then hire a contractor and architect for a renovation, that will cost you 4x more than it costs us. And you have to get a  consumer loan to finance the renovation. With Clikalia, it’s just one mortgage and you’re ready to go.”

https://techcrunch.com/2021/12/16/spains-clikalia-secures-518m-in-debt-equity-to-advance-ibuyer-model-in-europe/