The self-employed client who looked weak to the bank
The problem: The issue was not the income, but how it appeared in the reports.
✓ After the documents were reorganized, the file was assessed differently.
A former senior bank manager, on your sideMortgage and credit advisory · Led by a former bank manager
Before the bank examines you,
Gil examines how the bank will see you
19 years inside the banking system. Today all of that knowledge works for you: building your file the way a credit committee wants to see it.Someone who knows the approval systems, the risk points and the banking language from the inside. Now on your side, building you a smarter, more precise and more convincing file.
4.9 out of 157 Google reviews · No cost, no commitment
Testimonials · Google reviews · Moments from the field
Trust built case after case
Google Reviews
“We did our first mortgage with Gil by our side. It was without a doubt the right choice. We felt someone was watching over our interests and that we were in good hands”
Swipe for the next review · all 157 reviews on Google
Real moments with clients. At branches, in meetings and at signing time
Lenders We Work With
The Numbers Behind the Method
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Million NIS saved for clients
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Satisfied clients
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Success cases
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Financially recovered clients
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Million NIS in real estate investments
The story
He saw why files fall through.
Today he builds them right from the start
Behind every mortgage application there is a family, a dream, a property and a life plan. But at the bank, the application goes through an entirely different system: forms, repayment ratios, credit rating, internal procedures and risk assessment.
This is exactly where the gap is created. A small liability that seems marginal, income that is not presented correctly, a mix that raises risk. And the file is assessed entirely differently.
Gil Asher Levy knows this gap from the inside. Today he uses that knowledge for you: preparing you before the bank asks, strengthening the file before it is assessed, and negotiating with a deep understanding of the other side.
What the bank sees
- 38%Repayment ratio
- Under reviewCredit rating
- Verification requiredIncome stability
- Awaiting appraisalCollateral
- 2 active loansLiabilities
- MediumRisk classification
What you seeDrag the handle: the exact same moment, two ways to read it
Planning for you in the language of bankers
We learn you and your needs, then translate it all into a language the bank knows how to understand, review, and approve. On the best terms that can be achieved for your file.
The method
The "Inside Out" method
A consulting process built around the way banks actually make decisions.
Step 01
Preliminary bank diagnosis
We check how the bank is likely to see you: income, liabilities, repayment ratio, credit rating and hidden risks.
Step 02
Finding the weak points
Sometimes the problem is not the ability, but the way it is presented. We spot in advance what could complicate or add cost.
Step 03
Building the right credit story
An organized file with explanations, documents and a complete financial picture the bank can rely on.
Step 04
Planning for real life
Not just the first payment: interest and index scenarios, children, a drop in income and early repayment.
Step 05
Approaching banks wisely
Not every bank fits every file. We know where to apply, in what order and what to emphasize.
Step 06
Negotiating from familiarity
Understanding what really matters to the bank, where there is room to improve, and when a good offer is not the right one.
Step 01
Preliminary bank diagnosis
We check how the bank is likely to see you: income, liabilities, repayment ratio, credit rating and hidden risks.
Step 02
Finding the weak points
Sometimes the problem is not the ability, but the way it is presented. We spot in advance what could complicate or add cost.
Step 03
Building the right credit story
An organized file with explanations, documents and a complete financial picture the bank can rely on.
Step 04
Planning for real life
Not just the first payment: interest and index scenarios, children, a drop in income and early repayment.
Step 05
Approaching banks wisely
Not every bank fits every file. We know where to apply, in what order and what to emphasize.
Step 06
Negotiating from familiarity
Understanding what really matters to the bank, where there is room to improve, and when a good offer is not the right one.
You see a home.The bank sees risk.Gil knows how to connect them.
Your wordsThe bank's language
A first homeLoan-to-value up to 75%
A comfortable monthly paymentRepayment capacity over time
A good incomeIncome stability and documentation
An investment propertyThe property's risk profile
Helping the kidsBorrower age and timelines
A refinance that saves moneyPrepayment fees and the current mix
OUR TRANSLATION
✓ Building the file right✓ Strengthening weak points✓ Organizing the documents✓ Planning stress scenarios✓ Choosing the right banks✓ Negotiating smart
Who it's for
When you need more than a rate comparison
Some situations demand an answer, not just an offer. These are the cases where knowledge from the inside makes the difference.
Gil, in the first person
Why I moved to your side
“For years I watched clients arrive at the bank at the most important moment of their lives. Some came prepared. Many did not.
I saw decisions worth hundreds of thousands of shekels being made while the client did not truly understand how the bank looks at them. I saw good files that were not presented properly. At some point I understood that the knowledge I had built inside the system could help far more outside of it.
Today I sit on the clients' side. But I do not forget how the other side thinks. And that is exactly why I can prepare you better.”
Gil Asher Levy · Founder of Gil Finance · Former senior manager in the banking system
Video tips, straight talk
Gil answers in a minute
Cases from the field · All cases anonymized
Cases that took more than a good rate
Swipe to the next case
Articles, media and content
In the media
GIVE IT
The consumer club: a mortgage consultant and financial success coach with banking experience
Read the full articleMyAvne
The master's comprehensive guide: this is how you buy an apartment the smart way
Read the full articleThe Block
"In the financial jungle of the mortgage world, your financial conduct is what decides"
Read the full articleCalcalist
Gil Levi, professional director of the Sigsug college that trains the capital market's future traders
Read the full articleBanking knowledge, in a minute
Mortgage secrets, solutions for the refused and planning for the third age. Short videos that turn banking language into human language.
The Gil Finance Podcast
Behind the Decisions
Studio conversations about what really happens behind the credit committee's doors. Straight talk, no jargon.
Episode 1 · How a bank really decides on a mortgage
Gil takes you behind the scenes of a credit decision: what gets weighed, what raises caution, and what you can prepare in advance.
Spotify · YouTube · Apple Podcasts. New episodes coming soon
The First Step
Want to know how the bank will really see your file?
Before requesting approval, before committing to an offer, and before an unnecessary refusal.
In the initial diagnosis you will get:
- A banker's-eye reading of your file
- Weak spots identified before the bank spots them
- A clear course of action. Even if it is "stop, do not sign"
Prefer to talk? Anat at the office: 08-6100790
Knowledge Center
Guides from the Knowledge Center
Our Office
Our Office in Nes Ziona
Opening Hours
Sun-Mon 09:00-19:00 · Tue 09:00-16:00 · Wed 09:00-18:00 · Thu 09:00-16:00
Office Phone
08-6100790We work with clients from Nes Ziona, Rehovot, Rishon LeZion, Ramla, Yavne, Gedera and across Israel, in person at the office or remotely.
Questions and answers
What people ask before they call
Who is Gil Asher Levy?
Gil Asher Levy is the founder and CEO of Gil Finance, a former senior banking executive at Bank Leumi with over 19 years of experience. He holds an M.A. in Economics and an MBA, and serves as vice-chair of the audit committee at the Israeli Mortgage Consultants Association. He guides families, self-employed borrowers and investors through mortgage, credit and real estate financing.
Where is the Gil Finance office?
The office is at 5 Hanafat HaDegel Street in Nes Ziona, in the new Tzvi Tzarfati Building, 2nd floor, with parking in the adjacent lot. We work with clients from Nes Ziona, Rehovot, Rishon LeZion, Ramla, Yavne and Gedera, and remotely across Israel.
What are the office opening hours?
Sunday to Wednesday from 09:00 to 19:00, and Thursday from 09:00 to 17:00. You can leave your details on the site at any hour and we will get back to you on the next business day.
Is the first consultation free?
Yes. The initial diagnostic call is free and carries no obligation. Its purpose is to understand your financial position, tell you honestly whether there is anything worth doing, and only then present a written engagement and fee proposal in advance.
How much does mortgage consulting cost?
The fee depends on the size of the mortgage, the complexity of the file and the depth of the engagement, and it is presented in full and in writing before any work begins - with no hidden percentage of the loan amount. There is a full guide to consultant costs and the return on them.
Can I still get a mortgage after the bank refused me?
Often, yes. A refusal from one bank is not the end of the road - each bank has its own underwriting policy, and there is usually an identifiable cause that can be addressed: repayment ratio, current-account conduct, credit data or a problem with the property. The first step is diagnosing exactly what brought the file down.