Israeli mortgages for foreign residents, Olim, self-employed borrowers and investors
Buying in Israel? I’ll build the mortgage that works for your family.
I’m Be’eri Gurtler Har-Tuv, a mortgage consultant and economist based in Israel. I work with clients in Israel and abroad: Americans and other foreign residents buying in Israel, Olim, self-employed borrowers and investors. When a case gets complicated (as they often do), I build a plan that works for your family and that a bank is happy to approve.
- Former mortgage banker, Mizrahi-Tefahot
- Former board member, Israeli Mortgage Consultants Association
1,200+mortgages
₪1.1 billion+financed
₪180K–250Ktypical saving
Every bankin Israel
Who I work with
Families buying from abroad, and families building a life here
Israeli banks have their own rules, and most of them were written with a salaried Israeli in mind. I’ll walk you through them, and show you how we can get the bank to work around your specific income.
Americans and other foreign residents
Your income, credit and taxes are all in another country, and every Israeli bank handles that differently. I know what each one will ask for, so you’re ready before you start.
Olim
I speak native Hebrew, and I also speak fluent Israeli. That gets you past the language barrier, and past the mentality barrier too.
Self-employed borrowers
If your income doesn’t fit on a pay slip, I’ll show it to the bank the way the bank needs to see it. That’s usually where the hard cases are, and it’s the work I enjoy most.
Investors
I’m a real estate investor myself, so I’ll make sure the financing makes financial sense for your investment: the rate, the amortization, and even how much you can borrow.
A case from my files
When the bank wouldn’t count his income
A client of mine started a new job in the US shortly before making aliyah. The bank refused to count the income. It was new, and it was an American salary. The same medical consulting job in Israel pays less than a third of it.
So I asked him to find four job offers he could do remotely from Israel, each one with a salary range. It took him less than an hour. I brought them to the bank, and that showed them he could make aliyah, keep his income, and pay the mortgage.
About me
I grew up in a family of Olim
My parents, all four of my grandparents and my in-laws were Olim. I understand the Olim mindset and the challenges they face, and faced.
I’m Israeli, fluent in Hebrew and English, and I’ve been investing in and advising on Israeli real estate since 2010. Before I started advising, I was a mortgage banker at Mizrahi-Tefahot, so I know how a bank reads a mortgage file.
How it works
Here’s how we’ll work together
- 1
We talk. Usually 30 minutes, about the property and your income. You’ll leave the call knowing what to do first.
- 2
I send you a list of exactly which documents the banks need, and check them before anything goes out.
- 3
I take your case to the banks and compare their offers. Then I sit down with you and show you what each one would actually cost you over the life of the loan.
- 4
We go over the final terms together, and I stay with you until the loan is paid out.
Client stories
In their words
You’re a genius. I never thought what you suggested would be possible.
You saved us over a million shekels, and I still don’t understand how you pulled it off.
This was so much easier than I expected.
Book a call
Let’s talk it through
Pick a time that suits you, in Israel or wherever you are. Tell me about your plans, and I’ll tell you honestly what I’d do in your place.
Prefer to write? WhatsApp +972-52-875-4499 or [email protected]