Cascais · Holding company for Southern European real estate

A holding company for real estate ventures across Portugal and Southern Europe.

FAIRBANK builds and owns independent companies that operate at different points of the Southern European property lifecycle — from renovation to professional education. Each company runs under its own brand, for its own market. FAIRBANK provides the capital, the operating discipline, and the regulatory grounding behind all of them.

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How we operate

We start, own, and operate ventures — we don't just invest in them.

IDENTIFY

Find the gap

We look for structural gaps in Southern European property markets — problems that are durable, not seasonal, and that no existing company is built to solve properly.

BUILD

Build the company

Each FAIRBANK company is built in-house — brand, product, and operations designed from the ground up for its market, not adapted from a template.

OPERATE

Run it properly

FAIRBANK stays close to the operations. We provide shared infrastructure, regulatory expertise, and capital — while each company keeps its own identity and its own market.

The thesis

Southern Europe's property market is fragmented. That fragmentation is the opportunity.

Portugal, Spain, Italy, and Greece hold a residential property base worth more than €30 trillion, and the infrastructure beneath that market has not kept pace with it. Renovation work runs on informal referrals and no price benchmark. Professional education for agents, lawyers, and notaries has not caught up with AI or with new compliance regimes. Foreign owners in particular are left to navigate all of it without a common language or a common standard.

The regulatory environment is accelerating, not slowing. Portugal's Decreto-Lei 10/2024 shifted undisclosed-defect liability onto buyers at the deed of sale. The EU's Energy Performance of Buildings Directive (2024/1275) requires renovation passports across the bloc by May 2026. DL 108/2026 introduces new compliance obligations for real estate professionals operating in Portugal. Each of these creates demand for infrastructure that does not yet exist at scale.

FAIRBANK builds at that intersection — regulatory obligation, an underserved audience, and a gap no single competitor has closed. Portugal is where we're proving the model. Southern Europe is where we intend to apply it.

Portfolio

Four companies. Four phases of the property lifecycle.

ACTIVE · PORTUGAL MEDIA & EDUCATION

fairbank.pt

fairbank.pt

Media and education for real estate in Portugal.

fairbank.pt is a media and education company covering the Portuguese real estate market — regulatory changes, market data, and practical guidance for buyers, owners, and professionals navigating property in Portugal. It sits upstream of FAIRBANK's other ventures: the audience it builds and educates feeds directly into remodel.pt, Agents4agents, and mold.pt as those needs surface.

The gap it fills — Real estate coverage in Portugal is split between agent-run blogs with an obvious sales incentive and generic international property media with no local regulatory depth. fairbank.pt covers the market on its own terms first, with FAIRBANK's other companies as the next step once a specific need appears.
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ACTIVE · PORTUGAL RENOVATION

remodel.pt

remodel.pt

Three quotes. One inspection. No surprises.

remodel.pt is Portugal's renovation marketplace, built for foreign property owners who don't live next door to their own project. Every contractor on the platform is alvará-verified against IMPIC records. Owners receive three written quotes on the same scope for a true apples-to-apples comparison, benchmarked against the regional median. An independent inspector establishes a condition report before work begins, and payments release in stages — only after milestone sign-off by the owner and the inspector. The whole process runs in English, with a full project trail. The platform is free for owners; remodel.pt is paid by contractors through a referral fee on projects sourced through the marketplace.

The gap it fills — Contractor-matching exists in Portugal, but nothing verifies licences against IMPIC, benchmarks quotes, or backs milestones with an independent inspection. Foreign owners have had no way to renovate remotely with any accountability. remodel.pt is that layer.
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ACTIVE · PORTUGAL PROFESSIONAL EDUCATION

Agents4agents

agents4agents.pt

Taught by agents, for agents — AI fluency and regulatory compliance for Portuguese real estate professionals.

Agents4agents is an AI training and compliance education company for Portuguese real estate professionals — agents, lawyers, notaries, and architects. Courses are built around two needs at once: practical AI fluency for day-to-day work, and compliance training tied to Portugal's DL 108/2026 regulatory regime. Formats span in-person workshops and cohort-based online courses, taught by operators with direct experience building AI-native property companies in Portugal, not generic training-company instructors.

The gap it fills — DL 108/2026 creates a compliance obligation with no established training infrastructure behind it, and almost no one is teaching Portuguese real estate professionals to use AI in their actual day-to-day work. Agents4agents is that infrastructure.
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ACTIVE · PORTUGAL MOLD & DAMP DIAGNOSTICS

mold.pt

mold.pt

Independent mold and damp diagnostics for Portugal's older housing stock.

mold.pt is Portugal's one-stop resource for mold and damp diagnostics and remediation, built for homeowners in pre-1980s and pre-1990s properties who need answers before they need a contractor. Visual inspections start from €150 in person or €80 remote, with a full diagnostic from €695 and an air-sampling add-on from €350. Inspections are carried out directly by mold.pt, not brokered out to third-party remediation firms, and the content sits ahead of the service — identification and prevention first, inspection and fix only once the problem is understood.

The gap it fills — Mold and damp guidance in Portugal has been either a chemical-product sales pitch or a remediation company with an obvious incentive to find work. mold.pt is a clinical, independent read on the problem first, with inspection and fix as the next step, not the entry point.
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About

Built by Kellogg Fairbank.

Kellogg Fairbank, founder of FAIRBANK

FAIRBANK is founded and run by Kellogg Fairbank from Cascais, Portugal. Kellogg is a lifelong expat who has lived and worked across the US, Saudi Arabia, the Philippines, India, and the Netherlands before settling permanently in Portugal.

Before FAIRBANK, his career spanned fintech and payments: first international hire at Braintree (acquired by PayPal), Head of International at 2C2P (acquired by Alipay), CEO of a regulated European digital asset neobank, and founder of a payments analytics company. FAIRBANK is where that operating experience meets the Portuguese property market.

The regulatory calendar

The rules are changing. The infrastructure to operate within them is not keeping up.

DL 10/2024
Simplex Urbanístico

Effective January 2024. Eliminated mandatory municipal verification at point of sale and transferred undisclosed-defect liability to the buyer at the escritura. Due diligence conducted before signing is now the only protection a buyer has.

EPBD 2024/1275
Energy Performance of Buildings

Portugal's transposition deadline is 29 May 2026. Renovation passports become mandatory by that date, and an estimated 35.8% of Portuguese buildings need restoration work (INE Census 2021).

DL 108/2026
Real estate professional compliance

Introduces new regulatory training and compliance obligations for real estate professionals operating in Portugal — the direct anchor for Agents4agents' compliance curriculum.

FAIRBANK's portfolio companies are built around this calendar, not around it. Each regulatory shift is a demand signal, and the roadmap for each company follows from it.

Contact

Investor enquiries and partnerships.

EMAIL
partner@fairbank.ai
LINKEDIN
Kellogg Fairbank
LOCATION
Cascais, Portugal

Sent directly to the FAIRBANK team. We typically reply within two business days.