Mortgages for olim

Mortgages for olim in Israel

Made aliyah, or about to? Get introduced to an English-speaking mortgage professional who knows how Israeli banks look at new immigrants and their income.

Maximum loan: 75% for your only home
Purchase tax: Reduced for olim
Longest term: 30 years

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 made aliyah recently, or plan to soon
Some of your income or savings are still abroad
You have only a short work history in Israel
You are buying your first home in Israel

What your mortgage professional does

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

Your oleh benefits
Whether you qualify for reduced purchase tax and a government eligibility loan.
A short Israeli work history
How to present your file when you have only a few months of Israeli payslips.
Income and savings abroad
Using money from abroad in your application, and when to bring it over.
Offers compared
More than one bank's offer, side by side.
Paperwork in English
Every document explained before you sign it.

Israeli rules that apply

Down payment: From 25% of the price, when this is your only home in Israel
Purchase tax: Reduced rates on one home bought from a year before aliyah to seven years after it
Eligibility loan: You may qualify for a government-backed loan (mashkanta zakaut) on part of the mortgage
Documents: Teudat zehut, Israeli payslips if you have them, and proof of income or savings abroad

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

Can I get a mortgage soon after aliyah?

Yes. Banks look at your income and history wherever you earned it. A short Israeli work history makes the file harder, not impossible, which is why presenting it well matters.

What purchase tax benefit do olim get?

Olim pay reduced purchase tax on one home bought from a year before aliyah up to seven years after it. The saving depends on the price; our purchase tax guide has the detail.

What is a mashkanta zakaut?

A government-backed loan for eligible buyers, including many olim. It covers only part of the mortgage, and the adviser checks whether it is worth using alongside your bank offer.

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.