The Gulf's digital mortgage platform - compare, apply and track a home loan across 20+ banks, without the paperwork or the guesswork.
HOLO / DUBAI - The wordmark of a startup that decided the region's most dreaded purchase, the mortgage, deserved a redesign. Founded 2020 by Michael Hunter and Arran Summerhill.
Ask anyone who has bought a home in the United Arab Emirates and the story tends to rhyme: a stack of forms, a fog of interest rates, a dozen bank branches, and no clear sense of where the application actually stands. Holo, a Dubai-based company founded in 2020, was built on a straightforward premise - that this process did not have to feel that way.
The company operates a digital mortgage platform. Instead of visiting banks one at a time, a buyer enters their details once and Holo compares mortgage and refinancing options across more than 20 lenders in real time, handles the application online, and tracks its progress with a dedicated advisor on hand. It is free for the person buying the home; Holo earns a commission from the bank when a loan is placed.
That model - proprietary automation software paired with human mortgage advisors - has carried the company past several milestones that fintech startups often talk about but rarely reach at once: profitability in its home market, tens of thousands of clients served, and, in 2025, a $22 million Series A to take the model regional.
At Holo, we've always believed that buying a home shouldn't be complicated. With this raise, we're not only scaling across borders but also scaling trust, simplicity, and access to homeownership.
Gulf home financing has long been opaque and manual - rates buried in fine print, applications on paper, and buyers unsure whether they even qualify. Holo removes that friction: transparent comparison, an online application, and live tracking so no one is left guessing.
Home buyers, property investors and existing homeowners across the UAE and Saudi Arabia - including a large expat and non-resident segment - plus real estate agents who use Holo's Hub to connect with pre-approved, financing-ready buyers.
Compare mortgage and refinancing rates across 20+ banks, apply online, and track your application with advisor support.
Tools to review your current mortgage and switch to a better rate or product without the branch runaround.
Islamic mortgage products alongside conventional and expat/non-resident financing options.
A portal that connects real estate agents with pre-approved buyers, plus client and referral management tools.
Embeddable mortgage-application technology that partners can offer under their own brand.
AI-driven recommendations that match buyers to suitable products and personalise the journey.
Holo is laying digital rails for two of the region's fastest-growing residential markets. Projected market size by 2030:
Projected residential market value by 2030 (UAE ~8.66% CAGR; Saudi Arabia ~8.77% CAGR). Figures approximate, per industry estimates cited at Holo's Series A.
Where traditional brokers work bank-by-bank and offline, Holo makes the whole journey digital, transparent and free for buyers - and unusually for a fintech, it reached profitability in the UAE before raising to scale.
Holo competes with digital proptech peers such as Huspy and Nomad Homes, and with traditional bank mortgage desks and in-person brokers like Mortgage Finder and compareit4me.
Holo is tackling a critical market need by digitising and democratising access to mortgages.
Michael Hunter and Arran Summerhill launch Holo to digitise the UAE mortgage process.
Adds refinancing and Sharia-compliant Islamic home finance alongside conventional and expat products.
A portal connecting real estate agents with pre-approved, financing-ready buyers.
Opens its first Saudi office, rolls out AI-driven recommendations, and raises a Pre-Series A.
Closes a round led by Impact46 with Mubadala and others to expand across the GCC.
Holo's founders did not stumble into mortgages. Michael Hunter (CEO) and Arran Summerhill bring close to 25 years of combined mortgage experience across the United Kingdom and the United Arab Emirates. Hunter previously helped run mortgages at the regional comparison platform compareit4me - the kind of vantage point that reveals exactly where the process breaks.
That domain depth shapes the product. Holo does not try to replace advisors with software; it arms them. The automation handles the searching and matching across lenders, while human specialists guide buyers through the parts that make people nervous - eligibility, documents, and the wait for approval.
The company now employs roughly 190 people and describes a culture built around simplicity, trust and access. Its expansion order tells the same story: prove the model and reach profitability in the UAE first, then open in Riyadh and scale, rather than the reverse.
You pay nothing to use Holo - banks pay a commission when a loan is placed.
The platform processes over a billion dirhams in mortgage applications every month.
There's an unrelated Australian broker also called Holo (holo.com.au). Different company entirely.
Holo is a digital mortgage platform that lets people compare, apply for and track home loans across 20+ banks in the UAE and Saudi Arabia, supported by human mortgage advisors.
Yes. Holo is free for consumers; it earns a commission from the lending bank when a mortgage is successfully placed.
It was founded in 2020 by Michael Hunter and Arran Summerhill, who together have close to 25 years of mortgage experience in the UK and UAE.
Holo raised a $22 million Series A in 2025, led by Impact46 with Mubadala, Rua Growth Fund, anb seed, MoreThan Capital, Salica Oryx Fund and Dubai Future District Fund, following an earlier Pre-Series A.
Yes. Holo serves a large expat and non-resident segment and offers conventional and Islamic home finance products suited to the UAE market.
Note: no official Holo interview or product-demo video URL was verified for this page; the video link runs a YouTube search rather than pointing to a specific clip.