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RealFix Finance
Mortgage Refinancing Services
Mortgage Refinancing & Debt Consolidation
Proven Savings of Hundreds of Thousands
The mortgage you took out 5 years ago no longer fits today's market. We analyze: Can we lower your interest rate? Can we shorten your term?
Most importantly - Can we consolidate your overdraft and short-term loans into the mortgage to reduce your monthly payments by thousands.
Israel Property Owners: This service is designed for clients with existing mortgages on Israeli properties. We work with all major Israeli banks and institutional lenders.Have family or colleagues in Israel paying too much on their mortgage? Share this with them.
The Problem
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Your monthly payment is suffocating you - the interest rate you locked in years ago is much higher than today's market rates
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You are overpaying on interest - over 20-30 years, a dramatic reduction in monthly payments compounds to savings of hundreds of thousands (and up to ₪1M in complex portfolios)
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The bank will not notify you - they have no interest in helping you save money, only in you continuing to pay
The RealFix Solution
Our Hunter Approach
We do not just "check" if we can save you money. We hunt for the best deal in the market - across all banks, all loan products, until we find the maximum savings available.
Aggressive Interest Rate Reduction
A reduction of 0.5%-1% in interest rate = savings of tens of thousands of shekels over the loan term
Lower Monthly Payments
Reduction of ₪1,000-3,000 in monthly payments - more money in your pocket every month
Debt Consolidation
We consolidate other high-interest loans into your mortgage at a much lower interest rate
Full Service Until Closing
We handle the entire process - you just sign and enjoy the savings
Understanding Israeli Mortgage Structure
Israeli mortgages differ significantly from US/UK mortgages. Key concepts to understand:
- CPI Linkage (Madad): Many Israeli mortgages are linked to the Consumer Price Index, meaning principal adjusts with inflation
- Prime Rate: Based on Bank of Israel base rate, currently one of the most attractive options
- Fixed Rate (Kvua): Truly fixed for the entire term, unlike US adjustable-rate mortgages
- Mortgage Mix (Tamhil): Israeli mortgages typically combine multiple loan tracks in one package
At RealFix, we optimize your mortgage mix to achieve the best balance of stability and cost savings. Our expertise in Israeli mortgage structure allows us to identify opportunities that general advisors often miss.
FAQ
Frequently Asked Questions
Common questions about mortgage refinancing in Israel
The answer depends on your current mortgage amount, your existing interest rate, and the rate we can achieve. A dramatic reduction in monthly payments (₪1,000-3,000 per month) compounds to proven savings of hundreds of thousands of shekels, and up to ₪1M in complex portfolios.
Guides & Tools
Tools for Informed Decisions
Guides and calculators to help you understand your refinancing potential
Israel Mortgage Guide 2025
Complete guide to Israeli mortgage structure, rates, and optimization strategies
Read More
Equity Release (Directive 451)
How to unlock up to 50% of your home value at mortgage rates
Read More
Mortgage Mix Optimizer
NewFind the optimal mix - Prime, Fixed, and CPI-linked tracks
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How Much Will You Save Through Refinancing?
Get a free assessment and discover your potential savings
+972-72-220-2044 - Free Assessment