Mortgages made simple

At Holo, our mortgage experts simplify the process to help you secure your dream home. We make home loans in the UAE straightforward, supporting you every step of the way.

We work with the best banks in the
United Arab Emirates.

Arab Bank
RAK Bank
Emirates NBD
Standard Chartered
First Abu Dhabi Bank
HSBC
Abu Dhabi Islamic Bank
Arab Bank
RAK Bank
Emirates NBD
Standard Chartered
First Abu Dhabi Bank
HSBC
Abu Dhabi Islamic Bank
Arab Bank
RAK Bank
Emirates NBD

Why Choose Holo?

We are about creating an empowering experience for buyers. Here are some reasons why we are the go-to choice:

1

Personalized mortgage solutions

We offer a digital platform powered by over 500 mortgage products from all the banks, ensuring you find the perfect fit.

2

Over 30 years of home buying expertise

With more than 30 years of experience in the property buying sector, our team provides invaluable insights and guidance.

3

No hidden fees

Transparency is key. Enjoy our platform with no additional costs, allowing you to focus on what truly matters—finding your perfect home.

Calculate your monthly mortgage payments

Residency status

Property Value

AED

Down Payment

AED

Loan Amount

800,000 AED

Monthly Cost

This calculation is based off of live products in our database

Seamless home loan experience

Whether you're refinancing a mortgage or buying a new home in UAE, our mortgage brokers in UAE are here to guide you with just three simple steps:

1

We’ll check your eligibility

No fees, no impact on your credit score – just a straightforward assessment. We explore the market with over 20 lenders offering more than 500 mortgage options to find the perfect fit for you.

2

We’ll walk you through the application

Your personal case manager handles everything. You can relax and track your application 24/7 via the Holo portal, uploading documents at your convenience.

3

We’ll get you that mortgage

Our dedicated team takes care of the legwork and liaises with the bank, ensuring a stress-free experience securing your mortgage.

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Explore the best mortgage rates today in UAE

No need to compare these are the lowest mortgage rates available. We’ve done the hard work for you.

Lowest fixed rate short term

%

starting rate

Stable payments for 1–2 years ideal for new purchases and refinancing.

Lowest fixed rate medium long term

%

starting rate

Lock in stability for longer. Available for both salaried and self-employed buyers.

Rates subject to terms, conditions, and eligibility.

Frequently asked questions about mortgages

As an expat, you’ll need a minimum deposit of 20% for properties valued under AED 5 million. If the property costs more, the deposit increases to 30%. For UAE nationals, the minimum starts at 15%.

Most banks require expats to have a minimum monthly salary of AED 15,000 to qualify for a mortgage. However, some lenders may work with slightly lower incomes depending on your overall financial situation and loan amount. Start your application today and our mortgage consultants will help you to solve all your queries!

Interest rates depend on the mortgage type and market conditions: Fixed-Rate Mortgages: Rates usually range between 3% to 5% per year, offering stability for a set period (e.g., 1–5 years). Variable-Rate Mortgages: These are tied to the Emirates Interbank Offered Rate (EIBOR) and may rise or fall over time based on market trends.

Getting a mortgage in Dubai is easier with the right support. At Holo, we start with a quick, free eligibility check that won’t impact your credit score. Your personal case manager then handles everything while you track progress and upload documents through the Holo portal. We take care of the rest, ensuring a smooth and stress-free approval process.

A mortgage loan is a type of loan used to purchase property, where the property itself serves as security for the loan. In simple terms, you borrow money from a lender (like a bank) to buy a home, and in return, you agree to repay the loan in monthly installments, which include both the principal amount and interest. If you fail to repay, the lender has the right to take ownership of the property. Mortgages make it possible to own a home without paying the full price upfront.

Background

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We'll handle the search for you.

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future home?

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