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HOLO
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GC PARTNERS
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CONTRACTORS DIRECT
Hamptons International’s Preferred Mortgage Partner
Want a simpler way to buy a home?
From renter to homeowner, take the first step of this journey with Hamptons International and Holo, our trusted partner and one of the tech-forward mortgage companies in the UAE. Holo simplifies homeownership by managing your mortgage process from start to finish and offering solutions designed just for you.
Why work with Holo?
- Access to 500+ mortgage products from trusted banks
- Over 30 years of experience
- Transparent pricing with no hidden fees
- Unmatched support to make your home-buying journey simple
Frequently Asked Questions
Holo makes homeownership simple. Here are some frequently asked questions to help you get started.
As an expat, a minimum deposit of 20% is required for properties valued under AED 5 million. For properties exceeding this amount, the deposit increases to 30%. UAE nationals have a lower minimum deposit requirement, starting 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.
Interest rates vary based on the mortgage type and market conditions:
- Fixed-Rate Mortgages:
Typically range from 3% to 5% per year, providing stability for a set period (e.g., 1–5 years).
- Variable-Rate Mortgages:
Linked to the Emirates Interbank Offered Rate (EIBOR), these rates fluctuate over time based on market trends.
Securing a mortgage in Dubai becomes simpler with the right assistance. Holo begins with a quick, free eligibility check that does not affect the applicant’s credit score. A dedicated case manager then oversees the entire process, while the applicant can track progress and upload documents through the Holo portal. Holo manages the rest, ensuring a smooth and hassle-free approval experience.
Home loan affordability in the UAE is determined by an applicant’s monthly income, existing debts, and the property's value. Holo assesses borrowing capacity using the Debt Burden Ratio (DBR), ensuring that total monthly debt payments, including the mortgage, do not exceed 50% of the applicant’s income. To simplify the process, Holo offers a Mortgage Affordability Calculator, allowing users to enter their income, expenses, and property details to instantly estimate their borrowing potential.
Hamptons International’s Preferred Financial Services Partner
Need to send money abroad?
We’ve teamed up with GC Partners, a trusted financial services provider, specialising in international money transfers with competitive exchange rates. Be it a large property sale or regular payments such as a mortgage, GC Partners ensures fast, secure, and reliable transfers.
Why work with GC partners?
- 20 years of experience, 6 global offices, & 160,000 happy clients
- Competitive FX rates for payments of any size, big or small
- Your dedicated account manager offering bespoke service
- Fully FCA authorised for your peace of mind
Frequently Asked Questions
Utilising great exchange rates, GC Partners’ bespoke services are designed to be quick, reliable, and secure. Here are some of their frequently asked questions.
- Pensions and investments
- Mortgage payments
- Household bills and expenses
- School or university fees
- Condominium fees
- Local tax obligations
There are no setup fees for a regular overseas transfer. Simply create a standing order from your bank to GC Partners’ account in the same currency.
GC Partners will send you an email notification once your funds have been transferred. You can also track the status of your payment anytime through your online account.
This includes helping with permits like NOCs, managing paperwork, providing expert project management, and ensuring all work
meets the highest standards of quality and safety.
GC Partners will send you an email notification once your funds have been transferred. You can also track the status of your payment anytime through your online account.
This includes helping with permits like NOCs, managing paperwork, providing expert project management, and ensuring all work
meets the highest standards of quality and safety.
Renovation and Fit-outs
Transform your space with renovation services you can trust.
When it comes to choosing partners, we make it our priority to work with the very best who uphold our values of excellence, quality, and putting clients first. That’s why we’ve partnered with Contractors Direct, an award-winning company with over 10 years of experience in project management, renovation, and fit-out services. Their hands-on team manages everything from end-to-end, making sure your property renovation is stress-free. From construction to fit-out, they excel in delivering exceptional results, ensuring your needs remain central to every step of the process.
Senior-level project management from start to finish.
From villas, apartments, to townhouses, we bring expert renovation services to transform your space beautifully and effortlessly. Tasteful upgrades can reinvent your property and significantly boost its value.
- Kitchen Renovations: We renovate kitchens with care and craftsmanship, blending form and function.
- Bathroom Renovations: Bathroom makeovers add comfort and style while making the space work better for you.
- Landscaping & Pool Services: Turn your outdoor space into a stunning, functional retreat.
- Living Room Renovations: Stylish updates to your living room that bring warmth, comfort, and added value to your home.
Fit-out Cost Calculator.
Investing in a high-quality residential fit-out is a significant decision, and choosing the right company is essential. Cost and timelines are often top priorities for our clients. To assist you, Contractors Direct’s cost calculator provides a clear and realistic budget estimate from the very start. Meanwhile, their expert project management team ensures your project stays on schedule and hassle-free.
Frequently Asked Questions
Renovating or customising your space doesn’t have to be stressful. We’re here to make it simple.
Explore our FAQs for quick answers and helpful guidance on everything you need to know.
There are three levels of project specifications to suit your style and budget:
- Entry Level: Basic finishes with simple, functional designs that focus on practicality.
- Mid Level: A mix of basic and luxury finishes, paired with enhanced, stylish design elements.
- High Level: Intricate designs featuring premium, luxury finishes for a sophisticated and bespoke look.
Contractors Direct offers end-to-end support, from initial design and approvals to project completion.
This includes helping with permits like NOCs, managing paperwork, providing expert project management, and ensuring all work
meets the highest standards of quality and safety.
