🏘 Cooperative Housing: an affordable and scalable solution for the middle class

Gonçalo Almeida (left), José Rebelo (middle), Frederico Carvalho (right)

In the latest episode of DEALS with Gonçalo Almeida, we sat down with José and Frederico, founders of Co.op.Homes, to explore a model that’s gaining traction in one of the most strained segments of the market: the middle class.

👉 Housing cooperatives, managed by professional entities like Co.op.Homes, enable 20% to 30% reductions in the final sale price by eliminating developer margins and capital costs.👉 Co.op.Homes already has over 350 housing units in the pipeline, focused on well-located, high-quality, and sustainable construction.👉 The model is starting to gain public sector recognition, with support from the Mais Habitação program, land grants, and credit guarantees — including partnerships with Lisbon City Council.

🔍 The biggest challenge? Public perception. There's still confusion between today’s cooperatives — based on individual ownership and private management — and the collectivist models of the past.

At Harbor Partners, we closely follow these innovative solutions, which provide a strategic response to Portugal’s housing crisis — combining social impact, economic viability, and scalability.

🎧 Listen to the full episode here: https://youtu.be/l_SEt63TaJU

#AffordableHousing #MiddleClass #HousingCooperatives #ResponsibleRealEstate #RealEstateInnovation #HarborPartners #DEALSwithGonçaloAlmeida