7988 Wadi Al Soumman Street, 
Al Nakheel District,
 Riyadh 12384

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We are making good progress! Now your valuation has been carried out, your final offer letter from the bank detailing your application will be issued. We will be in touch shortly to arrange a time and place for you to sign this.

Mortgage pre-approval is the first step in the application process for buying a property. It is when the bank reviews your application and issues a letter or email which will state that they have pre-approved you and will lend you the amount requested. This is generally valid for 60 days.

The bank will now disburse your mortgage. If your seller has a mortgage, the bank will clear this so we can proceed to transfer. If your seller owns the property outright, we are currently arranging the final documents so we can book your transfer date!

The next step is to find your dream home (if you haven't already)! During this process, you will sign a Form F and this makes up the contract for the purchasing process. It is an agreement put together by the real estate agent, signed by you and the seller, outlining the timescales and terms and conditions of the property purchase. We will always check the Form F on your behalf before you sign it. *please check your pre-approval.

The valuation will be carried out by a third party instructed by the lender. This will require physical access to the property you are buying. This allows the bank to see the accurate market value of the property.

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General Authority for Real Estate

Saudi Central Bank

Licensed by

Meet our team

Alaa Suleman

Aljohara Fahad

Amer AlZurayj

Azhar Al Ahmed

Hussain AlJanubi

Meshaal Bin Hajlaa

Mohammed Muneeb

Saeed AlQarni

Shabab AlQarni

Zaid Saif

Our partners

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Why Choose Holo?

Our dedicated team fast-tracks your search, arranges viewings, and manages negotiations so you can focus on envisioning your dream home.

Personalized concierge service

Your home buying journey with ease using our fully digital platform, putting convenience and control at your fingertips.

Home-buying digital experience

Enjoy our expert property guidance with complete transparency—what you see is what you pay, with no extra fees.

No extra fees

Frequently asked questions about our real estate service

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With Holo, you compare, apply, and get approved for your mortgage - all in one place. It’s free, fast, and fully digital.

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Available on any device, anytime. Find out what you are eligible to borrow online. Your personal mortgage within minutes no more waiting for a call.

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Our Mortgage algorithm compares all of the market from over 20 lenders and 500 products to find you the perfect deal based on your profile.

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We manage all the hard work for you, allowing you to relax and track the full journey of your application through the Holo portal.

We do the work

With over 6,000 happy homeowners under our 
 belt there’s a reason we’re on top of our game.

Why we’re the top 
  mortgage broker in the 
  Middle East

“The Holo team made the entire mortgage process so easy and pleasant. The team is very well informed of all the plans in place and will give you the right advice and options available according to your needs and situation. Thank you so much for all the efforts done by the team. Highly recommended” 

“We had such an easy experience with Holo. They were so professional and helpful throughout the purchase. All our questions were answered in a timely manner and they went above and beyond to make sure that the process was stress free. I highly recommend the  team if you are looking to buy.” 

“Holo are phenomenal, they fully supported us throughout the entire process making sure everything went smoothly, couldn’t recommend them highly enough” 

With 25 years of getting people their dream homes in the UAE, we’re certainly not new to the game. We’ve helped home thousands of expats.

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We’ll check your eligibility.

We’ll walk you through the application.

We’ll get you that mortgage & hold your hand til you’ve got the keys.

The Riyadh real estate market continues to be one of the fastest-growing property markets in

The Riyadh real estate market continues to be one of the fastest-growing property markets in the Middle East. Driven by Vision 2030, rapid population growth, and increasing private sector investments, the capital is witnessing unprecedented demand across residential, commercial, and mixed-use developments.

Whether you're buying your first home, investing in property, or simply following the market, understanding the latest trends can help you make better financial decisions.

1. Strong Demand Continues to Drive Property Prices

Riyadh's population is growing steadily, supported by economic diversification and the relocation of international companies to Saudi Arabia. This sustained demand has resulted in rising property values, particularly in well-connected neighborhoods that offer access to business districts, schools, healthcare, and entertainment.

As infrastructure projects continue to expand, new districts are becoming attractive investment destinations.

2. Apartments Are Becoming More Popular

While villas remain a preferred option for larger families, apartments are seeing increased demand among young professionals, newly married couples, and first-time homebuyers.

Modern apartment communities now offer amenities such as:

These features provide a lifestyle that appeals to today's urban residents while offering more affordable entry points into the Riyadh property market.

3. Mortgage Financing Is Supporting Home Ownership

Improved financing options have made home ownership more accessible than ever. Flexible mortgage products and government initiatives continue to encourage Saudi families to purchase rather than rent.

Understanding financing options before beginning your property search can significantly improve your buying experience.

4. Smart Investment Opportunities

Investors continue to focus on areas benefiting from infrastructure development, transportation projects, and new commercial activity.

Locations close to major roads, metro stations, business centers, and upcoming mixed-use developments often demonstrate stronger long-term growth potential.

5. Digital Transformation Is Changing Property Buying

Technology is reshaping the real estate experience. Buyers now expect:

These innovations simplify the buying process while increasing transparency.

The Riyadh real estate market is expected to remain one of Saudi Arabia's strongest investment sectors. As Vision 2030 projects continue to reshape the city, both buyers and investors will benefit from new opportunities across residential and commercial real estate.

Whether you're purchasing a home or building an investment portfolio, staying informed about market trends is the first step toward making smarter property decisions.

Riyadh Real Estate Market Insights 2026: Trends, Opportunities, and What Buyers Should Know