Back to save you: Win one year of mortgage payments!

• Employees and immediate family members of Holo are not eligible to participate.

• Participants must be 18 years or older at the time of entry.

• Participants must submit a mortgage inquiry and the mortgage application must be submitted through Holo’s designated channels during the campaign period July 1 - August 31, 2025.

• Participants must have their loan application approved by the bank and sign the Final Offer Letter (FOL) by October 31 in order for the participant to be eligible as an entry in the campaign/promotion.

• A participant may be awarded two bonus entries if they use Holo’s Concierge service to find a property and purchase the unit. The bonus entries will only be awarded if the participant has a signed FOL for their mortgage in place.

• The winner will be randomly selected from the pool of eligible participants as of October 31, 2025

• One winner will receive payment for their 1st year mortgage (Up to AED 150,000 of mortgage payments per winner).

• If the winner had the loan amount disbursed into his account and had already paid one or multiple mortgage payments prior to Holo making the winner selection and announcement, the winner will get his mortgage paid for 12 months after the announcement has been made.

• Holo will make the first mortgage payment only after receiving the title deed registered under the winner’s name.

• The winner will receive the prize/reward paid on a monthly basis, and not in one batch and according to their loan amount.

• The reward payment terms will exclude life insurance and any other payments outside of the mortgage EMI.

• The winner will be selected on November 5th in the format of a lucky draw.

• The winner will be announced publicly on Holo’s Website/Social Media Platforms on November 7th, 2025.

• The prize is non-transferable and cannot be exchanged for cash or any other alternative.

• Holo reserves the right to verify the eligibility of participants and to disqualify any entry that breaches the terms and conditions.

• The winner must provide valid identification and proof of property registration to claim the prize.

• Participants will be disqualified if they fail to meet the campaign eligibility criteria or provide false information.

• The winner will be solely responsible for any taxes, fees, or charges associated with the prize.

• Holo reserves the right to amend, suspend, or terminate the campaign or these terms and conditions at any time without prior notice.

• By participating, entrants grant Holo the right to use their name and likeness for promotional purposes without additional compensation.

• By participating, entrants agree to receive marketing communications from the firm. They can opt out at any time.

• Holo shall not be liable for any loss, damage, or injury resulting from participation in the campaign or acceptance, use, or misuse of the prize.

• Any dispute arising from the campaign shall be subject to the exclusive jurisdiction of the courts of the UAE.

• By participating in the campaign, participants agree to abide by these terms and conditions.