Special Benefits for New Immigrants
Your Aliyah Includes Mortgage Benefits
As an oleh, you have benefits worth claiming, significantly reduced purchase tax, access to preferential rates and government programs, and financing of up to 75% of your first home. I make sure you get every benefit you're entitled to.
What Every Oleh Is Entitled To
Olim Mortgage Benefits
Reduced Purchase Tax (Mas Rechisha)
The flagship olim benefit: significantly reduced mas rechisha (purchase tax) brackets for up to 7 years after aliyah, often saving tens of thousands of shekels. You can also finance up to 75% of a first home. I make sure every olim exemption is correctly applied.
10-Year Benefits Window
Your olim mortgage benefits last for up to 10 years after your aliyah date. Even if you've been in Israel for several years, you may still qualify. I've helped olim at year 8 or 9 still take advantage of these rights.
Better Interest Rates
Banks compete aggressively for olim clients because they know you're a lower-risk borrower with international income history. I leverage this competition to negotiate rates that are often 0.2–0.5% below standard offers.
Document Translation & Prep
Israeli banks need your financial documents in specific formats. I handle the translation, formatting, and presentation of your overseas income documentation, credit history, and bank statements so nothing gets lost.
English Every Step of the Way
From the first consultation to signing at the bank, everything happens in English. No surprises, no confusing Hebrew legal terms. I explain every clause and every number so you know exactly what you're agreeing to.
Government Program Eligibility
Depending on your situation, you may qualify for Mechir Lamishtaken, Mechir Matarah, or other government housing programs that offer below-market prices. I check every program to see if you're eligible.
All Banks Compared
I submit your application to every major bank in Israel, Leumi, Hapoalim, Discount, Mizrachi, and more. You get a clear side-by-side comparison so you can choose the best overall package, not just the lowest rate.
Post-Closing Support
Your mortgage journey doesn't end at signing. I check in annually to review your rates and recommend refinancing if the market has shifted in your favor. Many of my olim clients have saved significantly by refinancing 2–3 years later.
The Process
How It Works
Free Consultation & Eligibility Check
We start with a free call to understand your situation, when you made aliyah, your income sources, how much you're looking to borrow, and what type of property you're considering. I'll confirm your olim benefits eligibility and explain your options clearly.
Document Preparation & Bank Submission
I'll give you a clear checklist of everything needed, teudat oleh, income proof, bank statements, and more. I prepare and translate all documents into the format Israeli banks require, then submit applications to multiple banks simultaneously.
Rate Negotiation & Comparison
Once approvals come back, I negotiate with each bank to get you the best rates and terms. You'll receive a clear comparison showing monthly payments, total interest, and the pros and cons of each offer across different mortgage tracks.
Approval, Signing & Beyond
I accompany you to the bank for the signing, explain every document in English, and make sure everything matches what was agreed. After closing, I stay in touch to monitor your mortgage and recommend refinancing when it makes sense.
Frequently Asked Questions
Your Questions, Answered
Ready to Use Your Olim Mortgage Benefits?
Get a free, no-obligation consultation. I'll review your situation and give you honest, straightforward advice, in English.