Rethinking the Path to Homeownership

For many Filipino families, owning a home remains a lifelong dream. The rising costs of land and materials, limited access to financing, and slow housing delivery have made that dream harder to achieve. Lhoopa, a property technology company founded in the Philippines, hopes to change that.

In its first white paper titled “From Backlog to Breakthrough: New Blueprints for Unlocking Housing Access,” Lhoopa lays out data-backed solutions to simplify and scale homeownership for more Filipinos. The report reveals that the country’s housing backlog has reached 8.25 million units—a number projected to triple by 2040 if no action is taken.

But the study goes beyond numbers. It emphasizes that the problem is not just a lack of homes, but also a lack of access. Many hardworking Filipinos remain excluded from financing and information systems that no longer fit today’s economic realities.

New Blueprints for Real Change

Lhoopa’s white paper introduces three key shifts that could transform the way housing is delivered across the country.

First, treating land as access infrastructure means viewing it as part of an inclusive system, not just a commodity. Second, empowering local frontliners with digital tools enables communities to become active partners in their own development. Third, simplifying the homeownership process through better financing and transparent data systems ensures that more families can take that first real step toward owning a home.

“These ideas align with ongoing government reforms and show how technology allows us to solve old problems differently,” said Marc-Olivier Caillot, Co-Founder and CEO of Lhoopa. “By combining adaptive policy, real-time data, mobile technology, and trusted local delivery networks, we can connect the right land, people, and financing faster and more transparently. The goal is not just to build more homes, but to build a system where homeownership becomes a realistic path for every working family.”

Collaboration for a More Inclusive Future

The report also acknowledges the efforts of government initiatives such as the Expanded 4PH and the ongoing digitization of Pag-IBIG services. Lhoopa calls for deeper collaboration between the public and private sectors to make housing programs more effective and inclusive.

Through its own digital ecosystem, Lhoopa connects brokers, contractors, and developers nationwide, significantly reducing project turnaround time and streamlining processes that previously took months.

Caillot added, “We have seen firsthand how data and technology can shorten the path to homeownership for families who were once excluded from the system. The challenge now is to make these gains work at scale. By bringing together public and private systems, we can transform the housing backlog into an opportunity for economic growth and social mobility.”

For families dreaming of a home to call their own, Lhoopa’s vision offers both hope and direction. The full white paper, “From Backlog to Breakthrough: New Blueprints for Unlocking Housing Access,” is available for download at http://lhoopa.com/2025-report