Huspy acquires Integra Finance and plans to invest $86 million in Italy, exporting the smart real-estate system from the Gulf to Europe

Huspy, a real-estate tech company founded in the UAE, announced its acquisition of the Italian credit-intermediary Integra Finance in a deal whose financial terms were not disclosed, alongside a plan to invest $86 million (around 315 million AED) to build and expand its activities in mortgage financing and brokerage within the Italian market. Huspy was founded in Dubai in 2020 by CEO Jad Anton and co-founder and deputy Ziad Nassar to provide an operational architecture and AI-powered systems for property agents and mortgage advisors, making Italy its fourth operating market after the UAE, Spain and Saudi Arabia and bringing its total presence to 15 cities across those four countries.

Integra Finance, which launched in Italy in 2020, is an integrated credit-intermediary platform offering mortgage financing, personal loans, corporate facilities, and salary- or pension-secured loans, as well as insurance services through its subsidiary Bicher. The Italian company, led by CEO Enrico Quaderi and board chair Samuel Loebidi, operates a network of more than 160 advisors and works with over 50 banking, financial and insurance partners in the consumer and corporate sectors.Huspy plans to integrate this extensive field network of advisors and banking partners with its technology platform originally built on AI tools.This raises the efficiency of purchase, sale and financing operations and accelerates digital transformation in a European real-estate market that still fundamentally relies on personal relationships and traditional brokers.

The deal marks Huspy’s fifth acquisition in the credit-intermediation sector, replicating a model previously tested when it acquired Home Matters in the UAE in 2021, followed by smaller local deals, and then purchasing Mortgage Direct in Spain in 2023 after entering the Spanish market in 2022. Co-founder and deputy CEO Ziad Nassar believes the expansion strengthens the economic partnership between the UAE and Italy, based on a UAE investment commitment of $40 billion announced in February 2025 during Sheikh Mohamed bin Zayed Al Nahyan’s visit to Italy. The company aims to continue expanding across Europe and the MENA region in 2026 and 2027, while deepening its existing presence in Spain, the UAE and Saudi Arabia.

This expansion reveals the maturation of a unconventional trajectory for technology start-ups originating from the Gulf.Regional firms no longer wait to be acquired by Western giants; they now drive cross-continental mergers themselves. Huspy’s strategy demonstrates that AI software in the credit-intermediation and real-estate sectors does not generate returns solely through abstract user interfaces, but requires control of field distribution channels, banking licenses and networks of licensed brokers, making the acquisition and technological upgrading of established traditional entities the fastest way to build an institutional foothold beyond borders.

The move carries direct operational and strategic implications for those who lead or invest in fintech and proptech platforms within the Gulf, Egypt and the Levant. The first of these shifts is a redefinition of how real-estate platforms are built, as limiting the business model to property listings no longer creates sustainable market value, while true strength lies in digitizing the complex mortgage financing cycle that is directly linked to banks. For investment managers and venture-capital funds in the region, the expansion confirms that high valuations of software companies are justified only by their ability to export their systems to mature markets and generate strong foreign-currency cash flows, rather than relying solely on heated local competition.

At the professional and technical level in the regional work environment, this direction requires advanced skills in building software architectures that can manage multi-jurisdictional credit-regulation compliance and data protection. If you lead a software or finance team in the region, competitive benchmarks are no longer limited to mimicking Western models but involve designing AI systems that accommodate intertwined banking partnerships and field operations, managing credit-approval pathways with the flexibility needed for rapid geographic expansion and seamless integration with acquired entities.