GoogleLiving and earning abroad
Discuss your country of residence, income currency and available equity with your advisor.
Walty · Israel
Mortgage in Israel for Non-Residents
Explore combined financing of up to 85%
Bank mortgage + supplementary non-bank credit. Eligibility and lender approval apply.
Buying a home in Israel while living abroad? Your personal mortgage advisor combines Walty’s negotiating power with clear lender comparisons to help you plan your purchase.
Book a consultation with Walty. Consultations are available in English, French, Italian, Russian and Ukrainian. Tell us your preferred language when booking. The calendar title and description are in English.
We compare offers from the banks that fit your purchase.
For suitable cases, we also consider non-bank lenders.
Our customers tell the story.
Walty reviews on Google and Facebook
Walty’s experience and negotiating power are on your side.
2018Serving customers since
30+Employee, customer and consumer clubs
≈200million NIS · approximate monthly mortgage volume
“At first, I received a sophisticated digital simulation without having to speak to anyone. Then I had a personal area on the website, where I could see all the offers from the banks and compare them — just as I compare flights abroad or headphones to buy. An excellent digital experience.”
Your move. Your circumstances. Your financing plan.
Whether you live in the US, Canada, the UK, Australia, France, Italy or elsewhere, start with your own circumstances. Citizenship, residency, income and the intended use of the property need an individual review.
Israelis living overseas
Israeli citizenship and overseas residency are different factors. They do not automatically mean the same financing terms.
Aliyah or a return to Israel
Tell us about your plans and timing so they can be considered when reviewing your case.
A home or an investment
Explain how you intend to use the property and whether you own other properties.
Your down payment for a home in Israel: explore your options
The equity needed to buy a home in Israel can be a major obstacle. Walty can explore a bank mortgage together with supplementary credit from non-bank lenders — up to an additional 10 percentage points of the property value. For eligible cases, this combination may bring total financing to 85%, reducing the equity needed for the purchase price. The bank share depends on your residency, property and lender assessment; adding 10 points does not automatically bring every buyer to 85%.
Book a Zoom consultationTwo sources of credit, one overall repayment plan. Supplementary credit is a separate loan with its own interest, term, fees and possible collateral. Approval by each lender is required. Budget separately for taxes, legal fees and other purchase costs; 15% of the price is not the whole cash budget.
- What bank mortgage can my residency and property qualify for?
- Can supplementary non-bank credit bridge my equity gap?
- What is the combined monthly repayment and total cost?
- What collateral, repayment terms and purchase costs should I plan for?
Documents for a mortgage in Israel and preparation from abroad
Walty helps turn a cross-border mortgage application into a clear plan. These are common points to discuss; the exact documents and arrangements depend on your case and the lender.
Your identity and residency
Citizenship, residence and tax residency are different details. Prepare your passport or Israeli ID, and explain any Aliyah or return plans.
Income and supporting documents
Lenders may ask for recent tax returns, payslips or an accountant’s confirmation, bank statements and a credit report where relevant. Walty clarifies the list and any translation requirements.
Currency and repayment capacity
Consider the currency of your income, the currency of the loan and how exchange-rate changes or existing loans could affect the combined monthly payment.
Signing and coordination from abroad
Plan identification, an Israeli account where needed and signatures early. Ask whether a power of attorney, notarisation, apostille or consular authentication is needed before ordering documents.
Plan the full purchase budget
Financing the property is only part of the plan. Leave room for applicable purchase tax, legal and valuation costs, insurance where required, currency conversion and financing fees. Confirm the payment timetable and obtain financing approval before relying on a proposed structure.
One advisor. A clear sequence.
Meet on Zoom
Explain your purchase plans, financing needs and preferred timetable.
Review your case
Your advisor reviews your circumstances and the documents needed for your application.
Plan the mortgage
Build a financing structure around your needs and repayment capacity.
Compare lender offers
Approach relevant banks or lenders and compare the proposals received.
Follow through
Track progress and receive support through the steps required to complete your case.
Digital guidance helps you coordinate from abroad. Signing, identification and other lender requirements may still involve attendance or separate arrangements; confirm these with your advisor.
A clearer view of your mortgage
Walty’s personal area brings proposals, comparison and case progress together. The current interface is in Hebrew; the translated illustration below is an example, not a live account or a financing offer.
Your case
Documents under review
- Compare proposals
- Follow case progress
- Ask your advisor
Your mortgage broker in Israel: meet Walty
Walty was founded in 2018 by Idan and Dor Farber. We combine mortgage advice and technology: reviewing your circumstances, planning the financing, comparing proposals and supporting your case.
About Walty (Hebrew)Your purchase. Walty’s team.
Share your country of residence, purchase plans and preferred consultation language. We will start with your financing needs.
Hear from Walty customers
“It was very important to us to really understand what we were doing.”
Kinneret Yitzhaki · translated excerpt from a customer review on Walty’s website.
Mortgages in Israel for non-residents: FAQ
Can foreign buyers get a mortgage in Israel?
Yes. Walty has advisors whose published expertise includes overseas income and non-resident clients. Your circumstances and the property must be reviewed individually.
How is foreign-currency income reviewed?
Tell your advisor where and how you earn, in which currency and whether income varies. The lender’s document and assessment requirements must be confirmed for your case.
What documents do I need for a mortgage in Israel?
For the first discussion, prepare the purchase budget, available equity, income, existing loans and property details. For the application, lenders may request identification, recent tax returns, payslips or an accountant’s confirmation, bank statements and a relevant credit report. Walty will confirm the exact list.
Can I get financing of up to 85%?
In eligible cases, a bank mortgage can be combined with supplementary non-bank credit of up to an additional 10 percentage points of the property value, potentially reaching 85% in total. This is combined borrowing, not an 85% bank mortgage. Bank eligibility, repayment capacity, collateral and both lenders’ approval determine what is possible for you.
Can everything be completed remotely?
Walty offers digital guidance and progress tracking. This does not mean every legal, identification or signing requirement can be completed without coming to Israel. Confirm the arrangements for your case.
What language is the Zoom consultation in?
Walty consultations are available in English, French, Italian, Russian and Ukrainian. Specify your preferred language when booking with the general team calendar. The calendar title and description are in English.
How are the advisory fees set?
Walty’s service fee is determined after the initial discussion of your mortgage needs. Ask what is included and what the price is before joining.
How can I follow the proposals and progress?
The current Hebrew personal area lets customers review proposals and case progress. The illustration here is translated sample content, not an account in English.
Start with a conversation about your plans
Tell us what you want to buy in Israel and where you live. Together, clarify the next steps.
Book a Zoom consultationBook a consultation with Walty. Consultations are available in English, French, Italian, Russian and Ukrainian. Tell us your preferred language when booking. The calendar title and description are in English.
Choose a time to speak with Walty
Book a consultation with Walty. Consultations are available in English, French, Italian, Russian and Ukrainian. Tell us your preferred language when booking. The calendar title and description are in English.