Erez Shemesh · Member of the Israeli Mortgage Advisors Association (No. 235)
20+ years in finance · 500+ families guided
A mortgage in Israel isn’t the one you know from the US, the UK or Europe, and translating the paperwork doesn’t fix that.
You don’t get one loan.
You get a tmahil, a mix of separate tracks, each with its own rate, linkage and term.
Choosing that mix is the most important decision you’ll make.
Then you’re in the banker’s office, listening to fast Hebrew full of terms that don’t translate. You catch half of it and agree to an offer you can’t judge.
That’s how people overpay by tens of thousands of shekels and don’t find out for years.
You’re probably sharp and experienced. What you’re missing is “Hebrew banking,” and you know it. When we first meet, most people tell me:
That’s where I start. I explain every offer and every clause in English before you sign. I get offers from several banks and let them compete for you. I prepare your file so Israeli banks can read your foreign income and history. And before you commit, I show you what your monthly payments look like if interest rates or inflation go up.
Before focusing on mortgages, I spent more than 20 years managing finances as an executive in Israeli hi-tech companies. In that world every shekel gets questioned, and nobody signs a multimillion-dollar deal just because the person across the table sounds sure of himself.
I bring the same habit to your mortgage. I know how banks assess a borrower and price risk, and which questions clients usually don’t think to ask.
MBA from Ono Academic College, BA in Economics
Israeli Mortgage Advisors Association, No. 235
More than 500 families guided through the process
4.9 out of 5 from 91 Google reviews
I work for you, not for a bank.
I won’t promise a rate before a bank has approved you, and I won’t send you to a bank for any reason other than your numbers.
And I won’t recommend a loan structure I wouldn’t take for my own family’s money.
Sometimes the honest answer is that you don’t need me.
If you want to refinance a mortgage of 400,000 ₪ or more and the savings would be under 30,000 ₪,
I’ll tell you it isn’t worth it, show you how to do it yourself, and not charge you.
If you’re planning to buy in Israel,
or you already have a mortgage and wonder whether it’s a good one,
send me a message.
Our first conversation is only about your situation, and it commits you to nothing.
Prefer to write?
Leave your details and I’ll get back to you personally.
Phone: 054-860-0447
Office: 8 HaNevi’im Street, Modi’in-Maccabim-Re’ut
Your details are used only to answer your inquiry.
