Mortgage Advisory
Personal guidance through the mortgage process — for self-employed, business owners, and second-home buyers. We build a smart mix, negotiate with the banks, and save you tens of thousands of shekels.
Who we work with
What's included
Everything you need — under one roof
Initial assessment (free)
We understand the situation — income, debt, assets, goals. Initial calculation of repayment capacity and possible mortgage amount.
Bank file preparation
Document collection, file structuring so banks see the client in the best light. Self-employed get a completely different response with a professional file.
Bank tender
We approach 6-7 banks in parallel, requesting specific offers. Banks know we're comparing — which improves offer quality.
Optimal mix construction
Mix of fixed / variable / dollar / prime — based on age, income, horizon and risk tolerance. What fits you, not what fits the bank.
Rate & fee negotiation
We don't take the first offer. Negotiation on every element — rate, opening fees, prepayment fees, life and property insurance.
End-to-end support
Bank meeting, form completion, and final contract review. Client signs only when confident everything is correct.
Mortgage refinancing
Review of existing mortgage and savings potential calculation. If there's value — we walk the refinancing start to finish.
Second-home mortgage
Financing a second or investment property — with optimal deal structure including tax and cash-flow considerations.
Periodic review
Even after you've taken a mortgage — we review every 2 years whether refinancing is worthwhile given market changes.
How we work together
Intro call
20-30 minutes. We understand the deal, income, current situation. You leave with a clear picture of what is possible.
Preparation & planning
We build a proposed mix, prepare documents, and define clear offer targets.
Bank tender
We simultaneously approach all major banks with a professional file. We receive 4-7 detailed offers within two weeks.
Comparison + selection
We present a detailed table — not just rate, but total cost to end of loan. Client chooses honestly.
Through to closing
Bank liaison, signatures, and assurance that documents match what was agreed.
Frequently asked
Why use a mortgage advisor instead of going directly to the bank?+
The bank offers you the best mortgage for the bank — not for you. A mortgage advisor works only for you, compares 6-7 banks in parallel, and builds a mix (fixed / variable / dollar / prime-linked) that fits your specific situation. Average savings for our clients: ₪30,000-₪120,000 over the life of the loan.
How do you get a mortgage as self-employed / Osek Morshe?+
Banks require more from the self-employed — 2-3 years of reports, current trial balance, invoice samples, and sometimes personal guarantees. We prepare the file in a way that shows the business in its best light and doubles approval odds. We work with Osek Patur, Osek Morshe, and limited companies.
What is a mortgage mix and why does it matter?+
Mix = loan composition from multiple tracks (CPI-linked fixed, non-linked fixed, variable every 5 years, prime, dollar). Each mix has different risk and cost. A wrong mix costs ₪50,000-₪200,000 in unnecessary interest over the loan's life. We build the mix based on age, income, planning horizon, and risk tolerance.
Do you also help refinance an existing mortgage?+
Yes — and often it's very worthwhile. We review your current mortgage, calculate savings potential, and if worth it — walk you through refinancing start to finish. Initial review is free.
Second-home or investment-property mortgage — what makes it different?+
A second-home mortgage is capped at 50% loan-to-value (vs 75% for first home), with higher rates. Investment-property mortgages are assessed against expected rental income. We specialize in structuring investment real estate deals with smart financing.
What does the service cost?+
First consultation is free. After that — a fee agreed upfront, typically a percentage of the mortgage amount (or fixed). The client always knows what the service costs and sees expected savings before deciding.
About to take a mortgage? Let us make sure you get the best offer
First consultation is free and no-obligation. We'll understand the situation, tell you honestly whether it's worth proceeding, and show you exactly where your savings potential is.
Free Mortgage Assessment