Yes, you can get a mortgage in Israel without living here. The rules are stricter than for Israelis, and preparation makes the difference between a smooth approval and months of back and forth.
How much the bank will lend
For foreign residents, Israeli banks usually lend up to 50% of the property value. An Israeli buying a first home can get up to 75%. In practice this means you need at least half of the price, plus purchase tax and costs, from your own funds.
Income and repayment
The bank checks your monthly income, from Israel or abroad, including investment income. The monthly repayment is limited to about 40% of your net household income.
Documents to prepare
Passport and proof of address. Payslips or tax returns for the last two to three years, or financial statements if you are self-employed. Bank statements. A credit report from your country, if available. Proof of the source of the equity you are bringing, because the bank is legally required to verify it.
Currency risk
The mortgage is in shekels, while your income may be in dollars, pounds or euros. A change in the exchange rate changes your real monthly payment. Some buyers keep part of the loan short, or hold a reserve in shekels.
When to start
Before you search. An approval in principle tells you your real budget, and lets us negotiate as a buyer who can close.
Finance Fit, our financing service, helps you prepare the file, compare offers from several banks and choose the right mix of tracks.
General information, not legal or tax advice. Checked September 2026. Your lawyer confirms the figures for your case.
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