Mortgage refinance — assessment and full guidance
The mortgage you took years ago reflected the life and the market of that time. Since then rates have changed, income has changed, and maybe the needs too — but the mortgage stayed the same. A refinance is the opportunity to check whether it still serves you. Our approach is sober: we check in depth, present the real math including all the costs, and recommend refinancing only when there's genuine value in it.
Who it's for
- The monthly payment is no longer comfortable
- Time has passed since you took the mortgage
- You want to check whether the terms can be improved
How it works — step by step
Opening the existing file
We review tracks, rates, balances and existing obligations.
Weighing whether it pays
We compare the current situation against possible alternatives, clear-eyed.
Planning a new structure
If refinancing makes sense, we build a mix more precisely tuned to today's needs.
Proceeding only if it's right
We don't refinance for the sake of it — only when the move carries real value.
What a real assessment checks
A serious refinance assessment compares the total cost of the existing mortgage — not just the rate — against well-built alternatives. It includes: analyzing every track in the existing mix (rate, indexation, balance and term), calculating the early-repayment fees from an up-to-date balance report, building an alternative mix fitted to today's situation, and an honest comparison between the two totals.
The result is one clear number: how much the refinance saves (or doesn't) after all the costs. Without illusions of a "lower monthly payment" that hides a longer, more expensive term.
A refinance isn't only savings — sometimes it's a re-fit
Some refinances aim not to cut cost but to re-fit: lowering the monthly payment when cash flow gets tight, shortening the term when income has risen, reducing CPI or rate exposure after a stressful stretch, or consolidating expensive loans into a cheaper structure. Here too the math must be transparent — what the re-fit costs and what you get in return.
And if the conclusion is that it isn't worth it? We'll say so
Some of our assessments end with a recommendation to stay with the existing mortgage — because the early-repayment fees are too high, because your terms beat the market, or because the savings don't justify the move. That's not a disappointing outcome; it's certainty that you're in the right place. You refinance when it's right, not to be doing something.
Frequently asked questions
How often should you check your mortgage?
A good rule of thumb is a check every two to three years, or whenever something material changes: market rates falling, a change in income, a lump sum becoming available, or a feeling that the monthly payment no longer fits. The check itself doesn't commit you to a refinance — it just gives you a picture of where you stand.
Can you refinance a mortgage at the same bank?
Yes. An internal refinance — improving terms at the same bank — is a legitimate option, and sometimes the bank would rather improve your terms than lose a client to a competitor. A good external offer in hand is the strongest negotiation tool even for an internal refinance, and that's exactly part of our job.
Guides worth reading (Hebrew)
Want to see how this looks for you?
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