Mortgage · Personal guidance with every bank

A smart mortgage —
at the best rate

  • Comparison across all banks
  • Financing up to 75% of the property value
  • Guidance through to signing
★★★★★ 4.9/5 Thousands of happy clients
Quick simulation Estimated monthly payment
Estimated monthly payment ₪5,549
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Rate of 4.2% for illustration. Subject to eligibility check and approval.

Rate barometer

Mortgage rates for illustration

Typical annual rate ranges by term. The actual rate is set individually based on your profile.

4.1%15 years
4.4%20 years
4.7%25 years
4.9%30 years
📊 Indicative rates·Updated June 2026
The Bank of Israel allows financing up to 75% of the property value for first-home buyers.
How it works

Three steps simple steps

A young family receiving the keys to their new home
Your path to a home — with a personal advisor by your side
Illustration: a house with coins and a rising graph depicting wealth growth
1

Eligibility check

A short questionnaire about your income, down payment and the property — right from home.

2

Building the loan mix

A personal advisor compares every bank and builds you a winning loan mix.

3

Approval and signing

Close guidance through to the bank's approval, signing and getting your keys.

Why work with us

One advisor on your side — facing every bank

Comparison across all banks

We approach every lender in parallel and secure the best terms.

A dedicated personal advisor

A single professional who guides you from the eligibility check to getting your keys.

Answer within 24 hours

Pre-approval and tailored offers at record speed.

No hidden fees

Full transparency — you know exactly what you'll pay, no surprises.

A couple holding keys in front of their new home

The home you dream of — closer than ever

Thousands of families have already received their keys thanks to personal guidance, a comparison of every bank and negotiation of terms on their behalf.

Guides

Knowledge that saves you money

Client reviews

Thousands of families have already bought a home with us

Rated 4.9/5 from over 1,280 verified reviews.

★★★★★
"We got a mortgage on terms no bank had offered us on our own. Within a week we had a winning loan mix and real peace of mind."
Avi K.
Avi & Dana K.Mortgage for a first home✓ Verified clients
★★★★★
"As a young couple we were lost dealing with the banks. NextCredit took us by the hand all the way to our first home."
Noa B.
Noa B.Mortgage · Full guidance✓ Verified client
★★★★★
"The advisor negotiated with four banks and brought our rate down significantly. Professional and caring service."
Yossi M.
Yossi M.Mortgage · Bank comparison✓ Verified client
FAQ

Mortgage — what you need to know

How much down payment do you need for a mortgage?
For a single home, you generally need a down payment of at least 25% of the property value, since the Bank of Israel allows financing of up to 75%. For an additional property or for upgraders, the financing rate is lower and the required down payment higher.
What percentage of financing can you get?
For a single home — up to 75% of the property value. For upgraders — up to 70%, and for an investment property — up to 50%. The advisor determines which category you fall into and builds the loan mix accordingly.
What is a pre-approval and how long does it take?
A pre-approval is the bank's initial commitment to an amount and terms, subject to document review. With us, you get an overview and tailored offers usually within 24 working hours.
What is a loan mix and why does it matter?
A loan mix splits the mortgage across different tracks — fixed rate, variable rate and prime. A good mix balances repayment stability against a lower overall cost, and is tailored to your cash flow and plans.
Does the eligibility check cost anything?
No. The eligibility check and the initial consultation are free and with no obligation. You receive offers and decide at your own pace.

Ready to start? Free assessment

Join the thousands of clients who have already found the right mortgage for them. No obligation.