Learning Center

Everything You Need to Know About Mortgages in Israel

Free, comprehensive guides for English speakers navigating the Israeli mortgage market. Whether you're making aliyah, buying from abroad, or refinancing, start here.

Getting Started

Begin Your Mortgage Journey

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The Ultimate Guide to Mortgages in Israel

Everything you need to know in one comprehensive guide, the track system, application process, documents, taxes, and expert tips.

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Olim Mortgage Benefits

Your rights as a new immigrant, reduced purchase tax, better rates, eligible banks, and a step-by-step process for olim.

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Hebrew–English Mortgage Glossary

30+ essential terms with Hebrew, transliteration, and plain-English definitions.

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Deep Dives

Understand the Details

Mortgage Tracks Explained

Prime, Fixed CPI-Linked, Fixed Non-CPI, Variable CPI, 5-Year Fixed, what each track means and when it makes sense.

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Tax Guide for Foreign Buyers

Mas rechisha brackets, capital gains tax, reporting requirements, and practical tips to minimize your tax burden.

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Bank Comparison

Leumi, Hapoalim, Discount, Mizrachi Tefahot, and FIBI compared on rates, English service, and olim programs.

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Practical Guides

Everything Else You Need to Know

Step-by-Step Mortgage Process

The entire mortgage process from pre-approval to disbursement, with timelines for each stage.

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How Much Can You Borrow?

LTV rules, down payment requirements, and the 40% DTI cap explained by buyer type.

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Refinancing Your Mortgage

When refinancing makes sense, penalty structures, and how the process works in Israel.

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Closing Costs & Fees

Every cost beyond the purchase price, taxes, lawyer, agent, insurance, and more.

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Rent vs. Buy Decision

A structured framework to decide whether renting or buying makes sense for your situation.

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New Construction vs. Resale

Buying from a kablan vs. secondhand, payment structures, risks, and pros/cons.

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Transferring Money to Israel

How to move your down payment safely, wire options, compliance, and saving on fees.

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Mortgage Insurance Explained

Life insurance and structural coverage, what's required, what it costs, and how to save.

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Comparisons

Israel vs. Home Country

Israel vs. US Mortgages

The track system, LTV limits, prepayment penalties, timelines, and what Americans need to know.

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Israel vs. UK Mortgages

Stamp duty vs. mas rechisha, solicitor processes, and currency considerations for UK buyers.

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City Guides

Where English Speakers Buy

Jerusalem

Neighborhoods, average prices, and mortgage considerations in Israel's capital.

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Tel Aviv

Navigate Israel's most expensive market, prices, TAMA 38, and financing.

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Ra'anana

Israel's Anglo hub, schools, community, and why English speakers choose it.

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Beit Shemesh

Fast-growing Anglo community with affordable prices and new construction.

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