Your money. Your impact.
Real climate action.
Invest in real estate from – with verifiable CO₂ offset.
EU-compliant model (license application in progress)
Certified climate projects
100% digital
Together we reshape the future:
First project limited – cap
Pre-register now – be among the first Free · No spam · 1-click opt-out · If full → waitlistFully funded? You'll automatically move up. With invite code Priority (faster access).
Investing that fits you — today & sustainably. 🌱
Your money works for returns and the climate. Simple and transparent.
👉 Start from – CO₂ offset included.
Your investment, your impact – short & clear:
Important: Real assets also come with risks (location, vacancy, interest rates). Returns are not guaranteed – diversification still makes sense.
Regulatory framework: EU-ECSP (in preparation) – for unified rules, transparency and comparability. Fees & documents can be reviewed in an understandable way before you invest.
Donations – how it works in short:
- Round-up donation: We automatically donate the cents of your payout. Example: profit → donation.
- Fixed amount: You set a euro amount that will be donated with every payout. Example: per payout.
- Proof & receipts in your dashboard; settings can be turned on/off or adjusted at any time.
The best time to invest is now. So is your impact.
🚀 You are the change. Become part of the impact generation.
- Returns & climate impact
- EU-regulated & transparent
- Simple & digital
Planned launch: Q1 2026 Pre-registration now open
Secure your spot – including updates on projects & your personal impact.
If full, waitlist – you’ll automatically move up.
🧩 How it works – in 4 steps
✨ HomeHarbor Horizon – Choose your path
Four ways to create sustainable impact – in your style.
1,200+ on the waitlist · EU-compliant · 100% digital
Swipe right to discover more options!
HorizonOne
Invest once – returns are automatically reinvested.
- Starting from:
- Reinvest: on/off
- CO₂ offset: included
How it works: Your employer can pay up to per month tax-free directly for you – as a benefit. You gain long-term savings and climate impact.
Pre-register nowHorizon+
Smart & sustainable retirement planning. Pause or withdraw anytime.
- Starting from:
- Pause: anytime
- CO₂ offset: included
Via your employer: A monthly contribution (up to ) can flow directly into your retirement plan – seamlessly via your payslip.
Pre-register nowHorizon CO₂
Offset your CO₂ footprint – one-off or as a subscription.
- Minimum purchase:
- Proof: certificate
- Focus: your choice
For climate subscriptions too: Employers can contribute up to per month tax-free to finance your CO₂ offset (one-off/subscription). You’ll see certificates & proof directly in your dashboard.
Pre-register nowHorizonX
Impact bank account with card & real-time credits (planned).
- IBAN & debit card: planned
- Returns: credited instantly
- Banking: partner bank/license
🌱 All products: verifiable CO₂ offset & 100% digital. Returns ≠ guarantee. ECSP license in application. HorizonX: features subject to regulatory approvals/partners.
Our current projects
Swipe right to discover more projects!
🏢 High-Yield — Oberhausen
- 💶 Purchase price
- 💸 Net cash flow / month
- 📈 Net return
- 5.57% p.a.
🌍 Your CO₂ impact
With your investment you offset:
- 290 tonnes CO₂ (by 2030)
- 🌳 29,000 trees — or
- 🏡 34 households annual usage
Your money finances certified climate projects (e.g., reforestation, biogas). The CO₂ impact is independently verified and documented.
1 t CO₂ ≈ ✈️ 70 flight hours · 🚗 1 car/year · 🍃 ~45 trees
ℹ️ To protect our tenants’ privacy, we don’t show property photos. Instead, we provide all relevant information transparently.
🏙️ Smart City Living — Berlin
- 💶 Purchase price
- TBA
- 🏠 Monthly rent
- TBA
- 📈 Net return
- TBA
🌍 Your CO₂ impact
Details coming soon:
- 🌳 To be calculated
- 🏡 To be calculated
Stay tuned for updates on this project!
🚢 Harbor Lofts — Hamburg
- 💶 Purchase price
- TBA
- 🏠 Monthly rent
- TBA
- 📈 Net return
- TBA
🌍 Your CO₂ impact
Details coming soon:
- 🌳 To be calculated
- 🏡 To be calculated
Stay tuned for updates on this project!
🚀 Activate your impact
See how your investment performs — explore measurable CO₂ offsets and real projects.
Pick a CO₂ project now and make it count
Investment calculator with CO₂ impact
Your investment. Real impact. Start shaping a greener future today 🌱✨
Go to current investment💡 Where does your money have the biggest impact?
1,200+ investors • Impact in 117+ countries • Ø 4–6% – stable & transparent.
Savings account
💶 Ø return: 0.5%
Safe, hardly any growth.
🌍 Impact: –
🔓 Start: from
ETF
📈 Ø return: 3–6%
Volatile. Risk of loss.
🌍 Impact: indirect
🔓 Start: from
HomeHarbor
🚀 Ø return: 4–6%
Real assets. More predictable.
🌍 Impact: ✅ direct & measurable
🔓 Start: from
📌 Basis: real rental income – no trading. With auto reinvest ~3 yrs ≈ ~20% total.
🏦 What do you keep after tax?
In short: your contributions are tax-free. Only your profit is taxed.
Paid-in capital
Your initial contribution comes back to you – tax-free.
e.g. €1,000
Return of capital ≠ taxable
Profit
Only what you earn above your contribution is taxed.
e.g. €300
That’s your gain
Taxable portion
Only the profit is subject to tax.
no flat rate
Taxation varies by country & situation
📌 Note: Tax treatment depends on your personal situation and local laws. As a rule, only investment income (profits) is taxable, while contributions are usually not. Please consult a qualified tax advisor in your country. This is not tax advice.
ESG & impact? Absolutely.
Investing that works – for you, for the climate, with clear rules.
Environment & climate protection
CO₂ down. Impact up. Measurable and certified – without detours, straight into climate projects.
Social & inclusive
Access from – fair & understandable. Every contribution counts, no matter the size.
Rules & transparency
EU-regulated. Smart contracts. Full insight into all certificates & progress.
Certified impact
Gold Standard / VCS – recognised quality. Proof stored in your dashboard.
🙌 Creating even more impact together
If you like, you can automatically donate a few cents or euros from each payout – e.g. from – to verified social projects with real impact.
- Every amount counts – and you decide.
- Support real people. With real impact.
- The community regularly votes on where the donations go.
💬 What our first users say
The combination of CO₂ impact, real estate and digital tools convinces – and makes you want more.
✅ Already over 1,000 pre-registrations in just a few weeks – join in and start your journey towards a CO₂-compensated future.
My mission: investing for everyone.
No luxury. No black-box investment.
With HomeHarbor, anyone can become a co-owner of real estate – starting from
.
Hi, I’m Bircan, and I’m convinced: sustainable wealth building has to be simple, transparent and accessible. I started this platform to make exactly that possible – 100 % digital and fair.
- Returns + climate impact: certified CO₂ compensation per investment.
- 100 % digital & app-first: no paperwork, everything in your dashboard.
- Secure & EU-oriented: authorisation as a crowdfunding platform in preparation.
- Simple. Transparent. Understandable data: clear numbers instead of buzzword bingo.
Clear responsibilities – even in a small team
HomeHarbor is currently built by me at its core – but from day one, it’s structured in clearly separated roles: investments, IT, customer experience, marketing and sustainability. That way it’s clear from the start who will take responsibility for what as the team grows.
Investments & risk management
Project selection, cash-flow models, reserve logic & stress tests.
Goal: stable distributions & an honest approach to risk.
IT, security & platform
Dashboard, investment engine, security & multi-language set-up.
Goal: a true FinTech experience instead of form overload – fully GDPR-compliant.
Customer experience & service
Onboarding, guidance in project selection & support that stays understandable.
Goal: fast, honest answers – without finance jargon.
Marketing & community
Content, education & campaigns that make returns and climate impact tangible.
Goal: a community rather than “just” customers – especially for Gen Z & Millennials.
Sustainability & research
Selection of CO₂ projects, ESG criteria & market research for locations.
Goal: real impact instead of greenwashing – documented transparently.
Note: many of these areas are currently still combined in one person – they will be filled step by step with additional experts as the platform grows.
From the idea to an EU crowdfunding platform
HomeHarbor is growing deliberately step by step – with a focus on substance, regulation and real impact instead of hype.
-
2023Concept & research
Analysis of real-estate crowdinvesting, ECSP regulation and CO₂ markets. First drafts of the HomeHarbor vision & structure. -
2024Platform & CO₂ engine
Building the dashboard, investment calculator, CO₂ logic and technical foundation for multiple projects – all developed in-house. -
2025Multi-language & ECSP preparation
Expansion for several EU languages, refinement of policies and preparation of the ECSP licence – including KYC, risk & governance. -
2026+Planned ECSP launch & EU rollout
Goal: a regulated platform for sustainable real-estate and land investments, scalable across the EU – with clear CO₂ impact per investment.
✨ Join us — help shape the future of investing.
Planned launch: Q1 2026 – Pre-registration now open
Secure your early access.
Join the community now. It only takes 30 seconds.
🔒 GDPR-compliant · No obligations · Your data is safe with us.
❓ Frequently asked questions
Short version: Invested in 3 clicks – fully digital.
Fully digital: choose a project, set your amount (from ), confirm – done. Your shares are managed via smart contracts, payouts are handled automatically.
Short version: Real assets, EU rules & checks add stability – but there are still risks.
Real estate is a real asset and is often less volatile than stocks. In addition, EU rules (licence in preparation), due-diligence processes and trustee/escrow setups are designed to increase security & transparency. Still, no investment is risk-free.
Short version: Start from – fees shown clearly before you invest.
You can start from . Fees are shown transparently for each project – no hidden costs. Everything is visible in the factsheet and checkout before you confirm.
Short version: Monthly or quarterly cashflows – everything in your dashboard.
Depending on the project, payouts are made monthly or quarterly. You see all cashflows live in your dashboard and can either withdraw returns to your bank account or automatically reinvest them.
Short version: Secondary market available – sale depends on demand.
For many projects there is a marketplace where you can offer your shares before the planned end of the holding period. Whether and when a sale happens depends on demand – there is no guarantee that you can sell at any time.
Short version: Default, rental, market and liquidity risks – please diversify.
As with all investments, there are default, rental, market and liquidity risks. Please read the project documents carefully, diversify across several projects and only invest money you don’t need in the short term.
Short version: Capital repayments are usually tax-free, returns are generally taxable.
As a rule, capital repayments are not taxable, while returns/interest are generally subject to tax according to the laws of your country of residence. You receive an annual overview for your tax declaration. (No tax advice.)
Short version: No – real estate projects, not token speculation.
No. You invest in real-world real estate projects. We use smart contracts to automate processes & settlement – not as a speculative token.
Short version: Short KYC in the app, GDPR-compliant, end-to-end encrypted.
A short KYC process runs directly in the app. Your data is processed in a GDPR-compliant way, with bank-level security and end-to-end encryption.
Still have questions? Write to us – we’re happy to help.
Pre-registration & waitlist – how it works
Secure your spot. Once the cap is reached, you’ll automatically move to the waitlist – strictly first come, first served.
Quick pre-registration
Just leave your email. You’ll get project updates and can see your impact.
Waitlist once the cap is full
If the maximum amount is reached, you’re automatically added to the waitlist – first come, first served.
Invite by email
We’ll notify you with a personal link as soon as spots open up. Invites are time-limited.
Fair & transparent
Your position is based on the time you signed up. No hidden conditions.
Data protection
Used only for pre-registration & project updates. Unsubscribe anytime with 1-click.
Invite-code priority
With an invite code you can be invited earlier (where available).
FAQ – common questions
-
What does “cap” mean?
The maximum total amount that can be raised for a project. After that, the waitlist starts.
-
Do I keep my position?
Yes – until you receive an invite or unsubscribe.
-
Does pre-registration cost anything?
No. It’s free and non-binding.
Risk & Fee Information
Investments involve risks: value fluctuations and loss up to the total amount invested are possible. Forecasts and return figures are not a guarantee of future performance. More info under Risks.
Transparent fees: All platform and project-related costs are fully disclosed before you invest. Details under Fees & Costs.
CO₂ impact is based on recognized standards (e.g. Gold Standard / EU-ETS) — see Methodology.
EU Crowdfunding Regulation
Certified CO₂ Offset
Already over 1,200+ investors
