Buying Property in Israel from Abroad
Mortgage in Israel For Foreign Buyers
You don't need to be an Israeli citizen to buy property here. I guide foreign buyers through every step, from mortgage approval to closing, even if you never set foot in the country until you pick up your keys.
Why Work With Us
What You Get
Up to 50% LTV Financing
Foreign buyers can borrow up to 50% of the property's appraised value from Israeli banks. On a 3 million shekel property, that means financing up to 1.5 million NIS, while you bring the remaining 50% as a down payment.
Fully Remote Process
You don't need to be in Israel for most of the mortgage process. Bank submissions, negotiations, and coordination can be done remotely. The final signing can be done via power of attorney.
International Document Handling
Banks need your income verified, bank statements translated, and credit history documented. I know exactly what each bank needs, in what format, and handle all the preparation so you're not chasing paperwork across countries.
Tax & Legal Clarity
Foreign buyers pay a higher purchase tax rate (8% and up vs. the lower brackets for residents). I make sure you understand the full cost picture, purchase tax, legal fees, mortgage costs, and ongoing arnona, before you commit.
Multi-Bank Negotiation
Not all Israeli banks treat foreign buyers the same. Some are far more experienced and competitive with international clients. I know which banks to approach, and I negotiate with all of them to get you the best available terms.
Currency Transfer Guidance
Moving large sums from abroad to Israel involves exchange rates, timing, and transfer fees that can cost thousands. Our company, WirePay Israel, handles that entire process with rates that will save you money and outstanding customer service to handle your payments.
The Process
How It Works
Initial Consultation & Feasibility
Discuss your goals, budget, and timeline. Understand the foreign buyer process, confirm how much you can borrow, outline the costs (purchase tax, legal fees, agent fees), and make sure investing in Israeli property makes sense for your situation.
Document Collection & Pre-Approval
I provide a tailored document checklist based on your country of residence and income type. Once collected, I prepare everything in the format Israeli banks require and submit for pre-approval. This gives you a clear borrowing limit before you commit to a purchase.
Property Purchase & Full Approval
Once you've found your property and signed a purchase agreement, I handle the property appraisal coordination, negotiate rates and track mixes, and present you with a clear comparison of all offers.
Closing & Fund Transfer
I coordinate the mortgage signing (in-person or via power of attorney), ensure all funds are transferred correctly and on time, and liaise with your lawyer for the property registration. After closing, I remain available for any questions about your ongoing mortgage.
Frequently Asked Questions
Your Questions, Answered
Ready to Buy Property in Israel?
Get a free, no-obligation consultation. I'll review your situation and give you honest, straightforward advice, in English.