Professional Mortgage Consulting
Full guidance through the mortgage process — from choosing the right tracks to signing at the bank. We save you tens and hundreds of thousands of shekels over the life of the loan
Free Initial Consultation
A Smart Mortgage Saves You a Fortune
A mortgage is probably the largest financial commitment of your life. A difference of half a percent in interest can add up to hundreds of thousands of shekels over 20-30 years of the loan. Banks offer complex and not always transparent tracks — and we're here to make sure you make the right choice.
We guide you at every stage: analyzing your repayment capacity, building an optimal track mix, negotiating with multiple banks simultaneously, and providing a transparent comparison of offers. We work for you — not for the bank.
Already have a mortgage? Perhaps it's time to check refinancing. Interest rates change, your financial situation has changed, and it may be possible to significantly improve your terms.
Why Yitron Finance?
Negotiation With All Banks
We approach multiple banks simultaneously and secure the lowest interest rate — bargaining power that an individual client doesn't have
Track Mix Design
Smart combination of tracks — fixed, variable, prime and CPI-linked — that diversifies risks and reduces cost
Mortgage Refinancing
Assessing whether it's worthwhile to refinance your existing mortgage — sometimes saving hundreds of shekels per month
Repayment Simulation
Precise calculation of monthly repayment, total interest and overall cost for every scenario
Guidance Through Signing
We review every clause in the contract, ensure there are no hidden fees and that the terms match what was agreed
Tailored to Your Profile
Analysis of income, expenses, future plans and risk level — to build a mortgage that fits you perfectly
How Does It Work?
Introduction Meeting
We understand your needs, assess repayment capacity and define the appropriate purchase budget
Track Mix Design
We build multiple scenarios with different track combinations and present the impact on repayment and total cost
Negotiation
We approach multiple banks with your profile and secure the best offers
Selection & Signing
We compare the offers, recommend the best option and guide you through to signing
Frequently Asked Questions
There's no single answer — it depends on market conditions, the loan horizon and your risk tolerance. Fixed interest provides certainty in monthly repayments, but is usually higher. Variable interest (like prime) is lower initially but can rise. The right combination is usually a mix of both — and we advise on what's best for you.
Typical savings range from NIS 50,000 to NIS 200,000 over the life of the loan. For large mortgages (NIS 1 million and above) savings can be even higher. The difference comes from lower interest rates, a smarter track mix, and avoiding costly mistakes.
It's worth checking refinancing if: market interest rates have dropped since you took your mortgage, your income has increased and you want to shorten the term, you want to increase the mortgage (e.g., for renovation), or 3-5 years have simply passed since signing. A refinancing assessment is free of charge.
According to Bank of Israel guidelines: first home — at least 25% equity (up to 75% financing). Second home — at least 50% equity. Home upgraders — at least 30% equity. There are also special tracks for career military personnel, Ministry of Housing eligible applicants and more — we'll check what's relevant for you.
Planning to Get a Mortgage? Let's Do It Right
Free initial consultation with no obligation — we'll build the optimal mortgage for you