About
Holo is the Middle East's first digital mortgage platform, founded in 2019 by Michael Hunter and Arran Summerhill. With approximately 200 employees, the firm has helped 8,000+ home buyers and partners with 200+ real estate agents across the UAE.
Mortgage Services
- Mortgage brokerage (500+ products from 20+ lenders)
- Islamic home financing
- Property concierge service
- UK mortgages for expats
- Commercial mortgages
- Conveyancing
Key Differentiators
Holo's digital-first approach lets buyers compare 500+ mortgage products from 20+ lenders instantly. Their AI-powered eligibility tool provides instant pre-qualification, while their "Edge" platform combines technology with dedicated advisors. The firm maintains a 4.9-star Google rating and has been featured in Arabian Business, The National, Gulf News, and Entrepreneur ME.
Sources
Services Offered
Key services Holo provides for mortgage brokers clients in Dubai:
Why Choose Holo
- The Middle East's first digital mortgage platform — compare and apply for a home loan fully online.
- 500+ mortgage products from all UAE banks compared by Holo's algorithm to match your profile.
- Free eligibility check that won't affect your credit score, with live cost breakdowns in minutes.
- Fully digital onboarding — paperless document upload and verification, no branch visits.
- Dedicated case manager plus real-time application tracking through the Holo portal and app.
- Venture-backed fintech founded in 2020 with funding from investors including Mubadala.
How Holo Works
-
1
Run a free eligibility check
Answer a few questions online for a quick, free check that does not impact your credit score.
-
2
Compare 500+ products
Holo's algorithm compares mortgage products from all UAE banks and shows live options with cost breakdowns.
-
3
Apply digitally
Upload documents and submit your application paperlessly through the Holo portal — no bank visits.
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4
Track to completion
A dedicated case manager handles the process while you track progress in real time until the purchase completes.
Business Profile
Hours and pricing may change — confirm directly with the business before engaging.
Frequently Asked Questions
How much can I borrow for a home loan in Dubai?
Under current Central Bank of the UAE rules, expats can typically borrow up to 80% of the property value (loan-to-value) on a first home priced AED 5M or below, and UAE nationals up to 85%. A second or subsequent property is usually capped lower, around 60–65%, and off-plan purchases are typically limited to about 50%. Holo confirms what applies to your case.
Is Holo free to use?
Holo offers a free, no-obligation eligibility check that does not affect your credit score, and lets you compare mortgage products online before applying.
Can expats and non-residents get a mortgage through Holo?
Yes. Holo arranges mortgages for UAE residents, expats and non-residents, comparing products from banks across the market to find a suitable option.
How many banks does Holo compare?
Holo's platform compares over 500 mortgage products from all UAE banks, using your profile to surface the most suitable options.
What is the maximum monthly repayment I can have?
UAE lenders apply a Debt Burden Ratio (DBR): total monthly debt repayments are generally capped at 50% of your monthly income. This affects how large a mortgage you can be approved for.
What fees should I budget for a Dubai mortgage?
Typical costs include mortgage registration at the Dubai Land Department (0.25% of the loan amount plus a small admin fee), a property valuation fee (commonly around AED 2,500–3,500) and a bank arrangement fee (often around 1% of the loan). Lenders also generally require life and property insurance. Confirm current figures before proceeding.
Does Holo offer Islamic home finance?
Yes. Holo can arrange Sharia-compliant home finance alongside conventional fixed and variable-rate mortgages, so you can choose the structure that suits you.
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