Your Expert in Mortgage and Personal Finance in Israel
Specialized in foreign residents and both new and seasoned immigrants
Who Am I
Since 2008, when I made Aliyah from Germany, I was a Sales Manager and Director in the Automotive Industry for Israeli companies. I was well-known at German and Chinese car Manufacturers, frequently speaking at conferences and exhibitions.
I took out a mortgage in 2018. Five years later, being a good “yecke”, I reviewed my yearly mortgage report. I didn’t understand why my principle was nearly unchanged. The mortgage I paid was primarily used to pay off the interest. I wanted to understand more about my mortgage, so I took a course in mortgages and personal finance in an academy.
After finishing the course, I became my first client. I changed my small mortgage so that I could save 250,000 Shekels in interest, shortened the timeframe by eight years and pay now 500 Shekels less per month! It wasn’t just a success – it was a defining moment where I understood that people need help! I decided to set up my own company helping people – especially new and old immigrants or foreign residents who want to buy an apartment. I help you navigate the Israeli bank-jungle.
As a seasoned professional, I will be able to determine your case honestly and candidly. You can expect a real no-nonsense answer on whether or not I’d be able to assist you from the very beginning.
Trust
A mortgage consultant manages, in most cases, the largest investment in your lifetime!
- I have a history of managing customers and projects in high-tech companies. I dealt with projects worth tens of millions.
- I know when to say “yes” and when to say “no”! Sometimes I have to tell my customer “no”! You can’t afford it – even though that there might be way to settle it, but it would lead the customer to bankruptcy! I take responsibility!
- I explain what I am doing and constantly keep you in the loop on all my progress. No black-box!
- Want to buy an apartment as a non Israeli citizen? Get your tax report documents ready (US: 1040, UK: SA100, Canada T1+Tax Assessment) and I will handle the rest!
What Services I am Providing
It’s all about mortgages
New Mortgage
You wouldn’t go to court without a lawyer, so why navigate a mortgage without an expert?
As an independent consultant, I work with all banks and can identify for you the one that best suits your personal situation. With my knowledge of their conditions, you can benefit from shorter loan periods, lower interest rates and reduced monthly payments.
Mortgage Refinancing
Did you secure good mortgage terms a few years back? Let me help you ensure they’re still working in your favour!
Have rising interest rates made your payments skyrocket? Let me review and reorganize your mortgage to lower your monthly rates.
What others say
“We were first time buyers with very little understanding of what it means to buy a home (especially in Israel).
We did a little research before we met with Joel, just enough to know that he knew what he was talking about. He was very willing and patient taking the time to help us find the best mortgage, but also walking us through the process so we understood what we were doing.
There are many steps, but he made it as easy and straightforward as possible. We had a few challenges as a couple- including receiving Olah benefits, being an American citizen, my husband receives several salaries including scholarships from his University, plus I am part salaried and part freelancer.
We explained our needs at our first meeting and he worked out the best conditions for us. We never had to talk to a bank until we signed. He always spoke in a relaxed and positive manner, making a fairly stressful experience quite manageable.
You have to rely on many people when purchasing a home in Israel: brokers, lawyers, appraisers and engineers. We trusted Yoel the most and knew he always had our interests first, and he loves saving people money!!!
Thanks Joel 😊”
Let's do this together!
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Frequently Asked Questions.
Of course, you can try to do it on your own, but in most cases, people make small mistakes that can end up costing them a lot in the long run. For example, choosing the wrong plan or not negotiating properly with the bank could lead to unnecessary payments of hundreds of thousands of shekels. A professional mortgage advisor brings expertise that prevents critical mistakes and ensures you choose the plan that’s best for you. My clients have saved an average of 25-30 times the cost of my services, and they feel secure knowing they made the best decisions.
On the contrary—the cost of my services is an investment that pays for itself very quickly. Instead of paying high amounts to the bank over the years, I help you choose a plan that reduces costs and saves you hundreds of thousands of shekels. In simple terms, the fee for my services is small compared to the huge savings you’ll benefit from in the long term. My clients often say that the savings they achieved made the cost of the consultation a smart and worthwhile investment.
I don’t promise savings based on guesses—I promise savings based on a deep analysis of your documents and the offers from the banks. With my knowledge and experience negotiating with the banks, I can almost always improve the terms. If I don’t see an opportunity to improve your offer, I’ll tell you upfront—but most of my clients are surprised to learn how much money they can save.
The banks are looking out for themselves—their profits. They offer deals based on their own interests, which isn’t always what’s best for you. As an independent advisor, I work solely for you—not the bank. That means my interest is to secure you the best possible terms.
Many of my clients first went to the bank to get a pre-approval, thinking they could handle it on their own. The first problem they encountered was the difficulty in comparing approvals from different banks! Each bank presents things differently and offers various plans. I’ll organize everything for you, breaking it down so you can understand what the bank offered. Then we’ll compare it to what I can get for you. In every case so far, I’ve been able to secure much better results!
Every mortgage advisor works differently, and not all of them understand the specific needs of Olim like I do. Thanks to my experience working with English-speaking Olim, I understand the unique challenges you face and can secure personalized terms that other Hebrew-speaking advisors might not offer.