Understanding Mortgages in Israel

Saving You Money

In most cases we can save our clients hundreds of thousands of shekels. Our job is not to be nice or to hold the client's hand, but to be brutally honest with them about the true meaning of their mortgage. Unfortunately with the crazy prices in Israeli real estate, not everyone can afford to buy a house. If you can't afford it, we'll tell you so. Don't believe what the banks or brokers tell you.

The mortgage business in Israel is more intricate and volatile than ever. The Regulator of the Banks is changing the way that banks are permitted to make mortgages on a monthly basis. The banks themselves don't really know how to deal with the changing regulations, and are taking advantage of the fog to milk the borrower. Now more than ever it is critical to work with professionals who will make sure that the bank will do for you what they promise. Don't be fooled by a cheap sounding offer made by a loan officer in the bank, they're about to fry you.

Don't take our word for it, Israel's leading business journal, Globes, recently published a detailed examination of the quality of mortgage advisers. Both those who sit across from you at the bank and those wonderful brokers  have usually undergone a "rigorous" two week training course. We are trained professionals, former bank managers and academically trained in finance with a combined 36 years of mortgage experience in Israel.

Let Your Experts Deal with Their Experts

If you have a rare, dangerous disease, you don't rely upon anonymous internet sources for information. You don't just go to the nearest health service office, you seek out the best expert advice available.

The same thing should be true for your mortgage. Very few people will ever face a more serious financial illness than the mortgage. The Israeli mortgage system is intricate and you need an expert's advice.

Saving you money

Choosing the wrong mortgage type causes you effectively to pay too much for your home. Your mortgage rate isn't the only factor affecting your family's finances, it isn't even the most important. The borrower for a typical Israeli mortgage can expect to save hundreds of thousands of shekels over the life of their loan by using Nahala's services. 

Ask your friends. Lots of them owe the same amount after five or ten years that they did when they took out the loan. If they were our clients, they would have been making the same monthly payments, but owe about a third less right now.

Independent mortgage advice

As experienced mortgage professionals, we have the knowledge and financial services expertise to find you the loan programs most suited to your family's needs, also with the lowest rates and the best possible terms. We take the hassle out of organizing your finances and help at every step of the mortgage process.

We are Israeli Mortgage Professionals. Don't even consider going into a bank before you talk to us.