The UAE’s real estate and financial services sectors are witnessing a pivotal evolution in the application of artificial intelligence. Propelled by companies like Holo, the focus for mortgage technology in 2026 is moving beyond mere processing speed to delivering smarter, more transparent financing decisions for homebuyers, marking a new era of intelligent property financing.
The Limits Of Automation
As AI adoption accelerates, industry leaders are recognizing that speed alone is not the ultimate metric for success. Early automation streamlined processes but also introduced challenges such as repeated application resubmissions, late-stage affordability problems, and misaligned buyer expectations. This realization is driving the shift toward a more intelligent application of technology that prioritizes accuracy and clarity from the outset.
The numbers reflect this technological integration. The UAE’s real estate technology market, which includes AI-powered PropTech, is projected to grow from $717 million in 2025 to approximately $837.5 million in 2026. In Dubai’s financial hub, the DIFC, AI usage among financial firms climbed to 52% in 2025 from 33% the previous year, underscoring the rapid embedding of AI in core financial operations.
A New Era Of Intelligent Mortgages
The next phase of mortgage AI is centred on improving application quality and providing homebuyers with a clear understanding of their financial standing early in the process. This intelligent approach uses AI to clean and structure documents, proactively identify potential issues, and accurately model bank lending scenarios before an application is formally submitted.
“Automation helped the industry move faster in recent years, but speed on its own is no longer enough,” said Arran Summerhill, COO and Co-Founder of Holo. “What buyers want now is clarity much earlier in the process. Smarter AI allows us to surface issues sooner, create cleaner applications, and give people realistic answers from the outset. When buyers understand their true affordability early, and banks receive accurate, review-ready files, the entire process becomes more predictable and far less stressful.”
At Holo, this philosophy is already in practice. The company is leveraging AI to ensure mortgage files are correct the first time, reducing friction for both the homebuyer and the lending institution. This combination of intelligent automation and human expertise is becoming the new industry benchmark.
Market Growth And National Alignment
This trend is not happening in a vacuum. It directly supports the UAE’s broader digital transformation goals, including the UAE Artificial Intelligence Strategy 2031 and Dubai’s Economic Agenda (D33). These national initiatives are designed to accelerate AI adoption across key sectors, fostering a more data-driven, efficient, and transparent market ecosystem.
Across the GCC, organisational AI adoption surged from 62% in 2023 to 84% in 2024, yet scaling this technology remains a key challenge. Platforms that successfully integrate AI to enhance, rather than replace, expert advice are poised to lead the market, creating a home-financing journey that is more predictable and aligned with the UAE’s vision of building a world-class digital real estate ecosystem.
About Holo
Holo is a UAE-based PropTech company on a mission to simplify home ownership through its digital mortgage services. Launched in 2019, Holo’s platform provides prospective homeowners with transparent access to a wide range of mortgage and remortgage options from over 20 local lenders. By combining proprietary technology with a team of independent advisors, Holo makes the home financing process faster, easier, and less stressful for first-time buyers and existing homeowners. The company has since expanded to offer white-label solutions for real estate partners and a concierge-style property assistance service.
Source: Zawya
