We proposed a thulium-holmium (Tm–Ho) co-doped hybrid mode-locking fiber laser utilizing few-layer Ti3CNTx MXene saturable absorber. The Ti3CNTx material exhibits superior optical properties with a saturation intensity of 25 mW and a modulation depth of 18.32%. By integrating nonlinear polarization rotation (NPR) technology with Ti3CNTx-SA, we achieved a self-starting, low threshold, ultra-stable and, efficient hybrid mode-locking pulse. The pulses are generated at a central wavelength of 1959.23 nm, with a 3 dB bandwidth of 5.34 nm and a pulse width of 766 fs. Compared to the single NPR technology, the structure reduces the self-starting threshold for mode-locking, compresses the pulse width by at least 21 fs, and significantly improves the signal-to-noise ratio. The proposed laser underscores the potential application and broad prospects of Ti3CNTx-SA in the 2-μm field of ultrafast fiber lasers.