Mortgage consulting for home upgraders
Moving to the next home is the most complex financial move most families will ever make: a sale and a purchase in parallel, timelines that depend on each other, an existing mortgage that needs a decision, and tax windows ticking in the background. Our guidance looks at the whole move — not just the mortgage — and builds an order of operations that keeps you in control.
Who it's for
- You own an existing home
- You're planning the move to your next home
- Managing timing and obligations right matters to you
How it works — step by step
Mapping the move
We work out what's being sold, what's being bought, the timelines and the pressure points.
Building a strategy
We plan the sequence of steps to keep flexibility and control along the way.
Checking financing alternatives
We examine bridging, mix, payment and terms with the banks, by the real need.
Moving forward without losing control
We stay with you at every stage so the move feels orderly, not chaotic.
The first question: sell first or buy first?
Each order has its price and its advantage. Selling first gives full budget certainty but can leave you renting in between; buying first saves a double move but requires a financing bridge until the sale. The right answer depends on the local market, on how liquid your current home is, and on your ability to absorb an interim period.
We help you choose the right order — and then build the financing that fits it, including a bridge loan when it's needed and worthwhile.
The existing mortgage: port it, pay it off, or refinance
Your existing mortgage has three ways forward: porting — moving the existing mortgage, on its terms, to the new property (especially worthwhile if your terms are better than what the market offers today); paying it off in full from the sale proceeds and taking a new mortgage; or a combination — a partial payoff and a refinance of the balance. The choice depends on the existing terms, the early-repayment fees and the financing needs of the new purchase.
This is exactly the decision point where a precise professional calculation is worth a lot of money — and we run it before committing to an order of operations.
The purchase-tax window — a timeline worth money
Home upgraders who sell their existing home within the period set by law enjoy only-home purchase-tax brackets on the new home — a difference that can reach tens of thousands of shekels. Missing the window pushes the deal back into additional-home brackets.
So the sale timeline isn't just a logistical matter but a financial decision, and we plan it together with the financing — as one piece.
Frequently asked questions
What is mortgage porting, and when does it pay off?
Porting is moving your existing mortgage — on its terms — from the property being sold to the property being bought, subject to the bank's approval. It pays off mainly when the terms you got in the past are better than what the market offers today, because it preserves them and saves early-repayment fees. If the market has actually improved, paying off and refinancing may be the better path.
How much financing can we get on the new home?
Under current Bank of Israel rules, home upgraders are eligible for financing of up to 70% of the new home's value. During the interim period of temporarily holding two homes, the financing structure — including a bridge if needed — is planned to stay within the limits and within your cash flow.
Guides worth reading (Hebrew)
Want to see how this looks for you?
Book a first intro call