Mortgage consulting for first-home buyers
The first home is the first big financial decision most families in Israel make — and it comes with a whole new language: pre-approval, mortgage mix, tax brackets, equity. Our guidance turns the confusion into an orderly plan: you understand how much is truly possible, build a mortgage that fits your starting point, and move into your home with certainty instead of stress.
Who it's for
- This is your first home
- You want to understand how much is right to borrow
- Starting out without a crushing monthly payment matters to you
How it works — step by step
Understanding the framework
We map equity, income, expenses and goals, to know what's truly right and possible.
Building the right mix
We plan a mortgage that fits your starting point and leaves breathing room for what's ahead.
Approaching the banks right
We compare alternatives, check terms and run the negotiation in an orderly way.
Closing with confidence
We stay with you through approval and signing — with order, clarity and calm.
First things first: how much is truly possible?
Every first-time buyer's first question is how much home they can afford. The answer is built from three inputs: the equity (under Bank of Israel rules, an only home requires at least 25% of the property's value), the disposable income that sets the maximum monthly payment, and the side costs — purchase tax, lawyer, appraiser and the move — which also come out of the equity.
We map all three with you before you even start looking for a home, and obtain a pre-approval that locks in the real budget. That way you search in the right range and don't fall in love with a home that's beyond reach.
A first mix that leaves breathing room
A first mortgage stays with you for decades — through children, job changes and turns no one can predict. So the first mix has to balance a comfortable payment today against flexibility tomorrow: how much at a fixed rate that gives stability, how much in flexible tracks you can prepay or refinance, and how much CPI and rate exposure is right to take.
We build the mix around your life — not from a template — and explain every choice in plain language, so you sign something you truly understand.
The negotiation: where the guidance pays for itself
The bank's first offer is almost never its best. We compare alternatives across several institutions, run the negotiation on your behalf and stay with you through final approval and signing — including appraisal, insurance and registration. The decisions stay yours; we make sure they're made on the full picture.
Frequently asked questions
When should we start the process — before or after we've found a home?
Before. Starting the process before the search — mapping, budget and pre-approval — ensures you look in a realistic price range and can commit to a home with confidence. Buyers who start after finding a home operate under time pressure, and that's a price paid in the terms.
We don't have 25% equity yet — is there any point in talking?
Yes. An early mapping call helps understand how much is truly missing (including the side costs), which sources can be brought in — savings, funds, documented family help — and what the realistic timeline is. Planning a year ahead opens options that last-minute pressure closes.
Guides worth reading (Hebrew)
Want to see how this looks for you?
Book a first intro call