Mortgages for foreign buyers

Mortgages in Israel for foreign buyers

Live abroad and buying in Israel? We introduce you to an English-speaking mortgage professional who handles overseas income, documents and remote signing.

Maximum loan: 50% of the price
Longest term: 30 years
Purchase tax: 8% to 10%

What are you looking to do?

Buy my first home

Buy another property

Refinance my mortgage

I'm buying from abroad

I'm making aliyah

I'm not sure yet

Or talk to a person, in English

Call +972 9 376 1873 WhatsApp 052 515 5901

Bank of Israel rate 3.25%Prime 4.75%Next decision 21 October 2026Today's rates

Is this you?

You live outside Israel and are buying a home or a holiday apartment
Your income is in dollars, pounds, euros or another currency
You want to do as much as possible from abroad
You are buying for children who study or are settling in Israel

What your mortgage professional does

Independent, English-speaking, and used to cases like yours.

The right banks
Which Israeli banks will look at a file like yours.
Foreign income, presented properly
Payslips, tax returns and statements prepared the way Israeli banks expect them.
A remote process
What can be signed abroad, at a consulate or by power of attorney.
Currency planning
When to convert, and the risk of a shekel loan against income in another currency.
Offers compared
Rates and terms from more than one bank, side by side.

Professionals for foreign buyers

Independent, English-speaking mortgage professionals in Israel. They advise you and deal with the banks. We make the introduction and keep helping you with the property.

LendAbroadCross-border mortgage partnerEnglish, French | Foreign buyersSee the profile

Every profile shows only details we have checked, with the professional's agreement. Before any introduction we tell you in writing whether we receive a referral fee.

Ask for an introduction

Israeli rules that apply

Down payment: At least 50% of the price
Loan term: Up to 30 years
Income: Proof of income from abroad, often with tax returns and bank statements
Bank account: An Israeli bank account is normally needed
Purchase tax: 8% on most of the price and 10% above about NIS 6 million, as for investors

Source: Bank of Israel rules, reported by Globes, 10 February 2026. Checked 15 October 2026. Your bank may ask for more.

How the introduction works

Tell us your situation
Answer a few questions here, ask the AI, or call us. It takes about two minutes.
We introduce the right professional
An English-speaking mortgage professional who handles cases like yours. You see who they are, and any fee we receive, before you agree.
They take your file to the banks
They gather your documents, get offers from several banks and help you choose. We keep helping you with the property.

Questions people ask

Do I have to come to Israel to get the mortgage?

Not always. Much of the process can run remotely, and documents can often be signed at an Israeli consulate or by power of attorney. The adviser tells you what your bank needs in person.

Can I borrow more than 50%?

Not on an Israeli mortgage while you live abroad. The Bank of Israel caps loans to foreign residents at half the price.

Will Israeli banks accept my foreign income?

Yes. Expect to show payslips or tax returns and bank statements, translated where needed. Banks may count foreign income at a discount to allow for currency moves.

What does it cost?

Asking us and being introduced costs you nothing. Mortgage advisers in Israel are paid by you, not by the bank, so agree their fee in writing before they start. Before any introduction we tell you in writing whether we receive a referral fee.