For Israeli Citizens Living Abroad
You're Still Israeli. Your Mortgage Should Reflect That.
Whether you've been living in New York, London, or Berlin for 2 years or 20, you're still entitled to Israeli citizen mortgage terms. I help expats navigate the process from abroad, no bureaucratic runaround.
Why Work With Us
What You Get
Full Israeli Citizen LTV, Up to 75%
Unlike foreign buyers who are limited to 50%, Israeli expats get the full first-home citizen LTV of up to 75%. Your citizenship means better borrowing terms, even if you haven't lived in Israel for years.
Foreign Income Accepted
Banks accept income earned abroad, in USD, EUR, GBP, and other currencies. But each bank evaluates foreign income differently. Some apply heavy discounts, others are more generous. I know which banks work best for your specific currency and income type.
Remote Document Handling
Getting Israeli banks the documents they need while you're overseas can be frustrating. I provide a clear, prioritized checklist and handle the translation, formatting, and submission so you're not going back and forth with bank clerks who don't speak English.
Minimize Trips to Israel
I structure the process to minimize the number of times you need to fly in. Many steps happen remotely, and I coordinate schedules so that when you do visit, we handle as much as possible in a single trip.
Toshav Chozer Guidance
If you're planning to return to Israel (toshav chozer), you may qualify for additional tax benefits and mortgage advantages. I help you understand your status and time your purchase to maximize benefits.
Time Zone Flexibility
I work with expats in every time zone, from the US East Coast to Australia. Calls, updates, and consultations happen at times that work for your schedule, not just Israeli business hours.
Trusted Professional Network
Beyond the mortgage, you need a good real estate lawyer, possibly a tax advisor, and maybe a property manager. I connect you with English-speaking professionals I've worked with for years who understand expat needs.
Annual Mortgage Review
After your mortgage closes, I review it annually to check if refinancing makes sense. Interest rates shift, your financial situation evolves, and the optimal track mix changes. I make sure your mortgage stays efficient over time.
The Process
How It Works
Video Consultation & Status Review
We start with a video call to review your situation, your Israeli status (citizen, toshav chozer, etc.), income sources, existing debts, and goals. I confirm your LTV eligibility, estimate your borrowing capacity, and outline the full timeline from your location.
Tailored Document Collection
Based on your country of residence and income type, I provide a specific document checklist. This typically includes Israeli ID, proof of foreign income (pay stubs, tax returns, or business accounts), bank statements, and any existing Israeli obligations. I prepare everything in the format banks need.
Multi-Bank Submission & Negotiation
I submit your application to all relevant banks simultaneously and negotiate rates on your behalf. You receive a clear comparison table showing monthly payments, total cost, and track recommendations for each bank's offer, all explained in English.
Coordinated Signing & Closing
I schedule the bank signing to coincide with a convenient trip to Israel, or arrange power-of-attorney options where available. I attend the signing with you, explain every document, and coordinate with your lawyer to ensure a smooth closing.
Frequently Asked Questions
Your Questions, Answered
Living Abroad? Let's Get Your Mortgage Sorted.
Get a free, no-obligation consultation. I'll review your situation and give you honest, straightforward advice, in English.