Mortgage Consulting and Refinancing in Israel
We don't just build a mortgage mix - we design the future of your family's financial resilience and peace of mind.
Mortgage consulting is professional guidance for designing a personal mortgage mix and negotiating terms with the banks, including refinancing an existing mortgage and planning the financing of a new home purchase.
Banks sell you a loan that's good for them, not for you.
Most home buyers go to the bank and sign a mix the bank prepared for them. This is a mistake that costs hundreds of thousands of unnecessary shekels. Banks look out for their profit, while you are exposed to interest rate and index changes that could choke your family budget in the future. Without strategic planning, you are simply paying too much.
Winning Funding Architecture - The Master's Expertise
Our firm, headed by Gil Asher Levy, specializes in building complex and smart funding solutions. Our expertise spans three main pillars: 1. Mortgage Recycling - A deep examination of existing mortgages and their optimization for huge interest savings. We check if the monthly repayment can be reduced or the loan period shortened. 2. Price per Occupant (Mechir Lamishtaken) - Close guidance for winners to maximize grants and state benefits, including financial planning considering low equity. 3. Purchase from a Developer - Smart payment schedule planning that protects you from construction input price indices and aggressive market fluctuations, while maintaining maximum liquidity.
Gil Asher Levy's Professional Power within the Banking System
"As a former senior manager in the banking system, Gil Asher Levy brings the banks' 'secret algorithm' with him. He knows exactly where the hidden margins are and how to apply pressure to achieve terms no other consultant can reach. Gil's experience in reviewing thousands of mortgage files makes him Israel's leading authority for negotiation with banks."
Expert Presence
Gil Asher Levy's Professional Power within the Banking System
The Master in Action: From Field to Result
We are not just consultants behind a desk. Gil Asher Levy personally accompanies our clients in every negotiation, every bank meeting, and every crucial moment. Our presence on the ground is what creates the uncompromising advantage for you.
- Personal guidance by Gil Asher Levy at every stage
- Direct negotiation with senior levels
- Full availability for the truly crucial moments
Our Strategic Process
Diagnosis & Analysis
An in-depth analysis of your financial capabilities and defining maximum savings goals.
Architectural Planning
Building a customized mix (Recycling, Price per Occupant, or Developer) that protects you from the market.
Execution & Closing
Managing aggressive negotiations with bank managements until the best terms are achieved.
Aggressive Mortgage Refinancing
A surgical feasibility check for your existing mortgage. Our goal is not just to lower interest rates, but to rebuild your debt structure so that it serves you and not the bank. We are experts in shortening loan periods while maintaining a sane monthly repayment, and in performing strategic moves that save hundreds of thousands of shekels of unnecessary interest.
Price per Occupant & Discounted Housing
Winning a lottery is just the beginning. We specialize in accompanying winners to achieve financing of up to 90% of the property value (with exceptional approval), with a deep understanding of low equity. The firm builds a mix for you that utilizes state grants and timelines, ensuring your win becomes the best investment of your life.
Purchase from a Developer (Presale Strategy)
Purchasing an apartment from a developer is a game of risk management. We build you a smart payment strategy that protects you from construction input index increases, ensuring interest rate freezes at critical points and managing negotiations with lending banks so you receive 'premium project' terms even as private buyers.
FAQ
Frequently Asked Questions
What is mortgage consulting and why do I need a consultant?
A mortgage consultant is a financial expert who represents you with banks, builds a personalized mortgage structure, and negotiates interest rates. Without a consultant, you typically sign what the bank offers - which isn't always in your best interest. A good consultant can save you hundreds of thousands of shekels over the life of your mortgage.
What is mortgage refinancing and when should I do it?
Mortgage refinancing is closing an existing mortgage and taking a new one under better conditions. It's beneficial when market rates have dropped, your financial situation has improved, or your current mortgage no longer fits your needs. Gil Finance performs a viability check and manages the entire process.
How much equity do I need to buy an apartment in Israel?
Israeli banks require a minimum of 25% equity for a first apartment and 30% for a second. The government's 'Mehir Lamishtaken' program can allow financing up to 75% with lower equity in some cases. Gil Finance helps find the right solution for your situation.
How much does mortgage consulting cost?
Consultant fees vary based on case complexity. At Gil Finance, you can receive an initial consultation at no cost. Investing in a professional mortgage consultant pays for itself many times over through savings on rates and mortgage terms.
Guides on This Topic
Read Before You Decide
The Right Mortgage Mix: Building a Mix That Saves You Hundreds of Thousands
8 min readMortgage Consulting: The Complete Guide to a Process That Saves You Hundreds of Thousands
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Private Mortgage Consultant: Why It Pays and How It Differs From the Bank's Advisor
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Take control of your mortgage
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