Mortgage Refinancing & Loan Consolidation Experts

Save Thousands Monthly with Professional Mortgage Refinancing

Up to 50% reduction in monthly payment + immediate cash flow improvement

Discover how to save up to ₪3,000 monthly through professional mortgage refinancing and smart loan consolidation. Our experts will customize a personal solution that immediately improves your cash flow, reduces interest rates and frees up money for what really matters.

Free Feasibility Check See How Much You'll Save
₪3,000
Average Monthly Savings
95%
Success Rate
7 days
Average Processing Time
Mortgage consultation with Kessem Finance - illustration. Mortgage refinancing and financial savings

Market Update: Mortgage Interest Rates Declining!

Following the Bank of Israel interest rate cut, this is the ideal time to refinance your mortgage and save thousands of shekels. An opportunity not to be missed!

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Check How Much You'll Save with Mortgage Refinancing

Our refinancing calculator will show you the savings potential in your pocket

Mortgage Refinancing Savings Calculator

Savings Results

Monthly Savings: ₪0
Annual Savings: ₪0
Total Savings: ₪0

💡 Your savings could be even greater!

The calculator shows only an initial estimate. Our experts can achieve even better terms for you through negotiation with all banks.

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Israeli Mortgage Market Data

Get to know the latest data that will help you make an informed decision

Average Interest Rate

3.8%

The average interest rate on mortgages in Israel as of today. With our team's help, you can achieve significantly lower interest rates than the average.

Average Savings

₪2,250

Clients who refinanced their mortgage through us in the past year save this amount on average each month.

Monthly Payment

47%

Average reduction in monthly payment amount for clients who performed both mortgage refinancing and loan consolidation.

Average Closing Time

21 days

Average time from opening the process until closing the deal, significantly faster than the market standard.

Why Should You Refinance Your Mortgage?

Mortgage refinancing is the process of replacing your existing mortgage with a new mortgage under improved terms

Significant Interest Savings

Lowering the interest rate by just 1% can save you hundreds of thousands of shekels over the life of the mortgage. According to Bank of Israel data, on an average mortgage of ₪1.5 million, a 1% interest reduction means savings of approximately ₪240,000.

Reduced Monthly Payment

Free up immediate cash flow with a reduction of up to ₪3,000 in monthly payment. A study we conducted on 200 clients who refinanced their mortgage showed that 87% of them managed to reduce their monthly payment by at least ₪1,500.

Shortened Loan Period

Get free from the mortgage faster by utilizing the same monthly payment at a lower interest rate. Shortening the loan term by 5 years can save you tens of thousands of shekels in unnecessary interest payments.

Loan Consolidation

Simplify your financial life by consolidating multiple loans into one loan, with one payment instead of several. According to a survey we conducted, clients who consolidated loans reported a 42% reduction in daily financial stress levels.

Adaptation to Market Changes

Take advantage of low interest rates and market opportunities to improve your mortgage terms. In the past year, the average interest rate on mortgages in Israel has dropped by 0.6%, creating an excellent opportunity for mortgage refinancing.

Improved Financial Stability

Free up cash for investments, savings or improving overall quality of life. According to CBS data, an average family in Israel pays about 30% of their income on mortgage payments. Reducing the monthly payment frees up money for other important things.

Mortgage refinancing is one of the smartest financial decisions you'll make

According to a Financial Research Institute survey, 92% of clients who refinanced their mortgage in the past two years reported it was the best financial decision they made in the last decade.

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How Does the Process Work?

Mortgage refinancing at Kessem Finance - 4 simple steps to significant savings

1

Free Initial Consultation

Comprehensive consultation meeting at no cost to analyze your current mortgage and examine refinancing feasibility. In this meeting, we analyze your current financial situation, examine the existing mortgage terms, and present an accurate picture of savings potential. Our experienced mortgage consultants will explain all available options to you in simple language.

2

Building Optimal Refinancing Plan

We'll design the ideal refinancing mix for you according to your financial situation, future needs and market conditions. Our refinancing plan takes into account many factors such as your repayment capacity, future interest rate forecasts, changing family needs, and long-term financial goals. We invest considerable thought in planning mortgage tracks and interest rates to ensure our solution serves you over time, not just immediately.

3

Submitting Applications to All Banks

We'll handle all the bureaucracy for you, submit refinancing applications to all relevant banks and negotiate to achieve the best terms. We know the credit policies of every bank well, and know exactly how to present your application optimally. Our extensive experience and connections with key figures in the banking system allow us to achieve terms for you that you wouldn't achieve on your own. We leverage our expertise to break through the "glass ceiling" of standard interest rates.

4

Guidance Until Process Completion

We'll accompany you through all stages of the process until signing the new mortgage and successfully completing the refinancing. Our guidance includes preparing all required documents, coordinating meetings with banks, detailed explanation of all documents before signing, and our physical presence at important meetings. We don't leave you alone facing the complex banking system, but accompany you hand in hand until you start enjoying the financial savings.

Satisfaction Guarantee

We are so confident in our ability to achieve significant savings for you, that we only charge a fee if we succeeded in achieving savings of at least ₪50,000 for you over the life of the mortgage. This isn't just a promise - it's our commitment to your success.

Mortgage Refinancing Success Stories

Real clients, real results - the true proof of our capabilities

"Our mortgage had a high interest rate of 4.8%. We contacted Kessem Finance after a friend highly recommended them, and within just two weeks they managed to lower the interest rate to 2.9%. The difference was enormous - our monthly savings amount to ₪2,850, and the total savings will reach ₪684,000! This changed our lives and finally allowed us to save for the children's future. Shai and the expert team handled the entire process professionally and thoroughly, and we felt we were in good hands throughout the journey."

The Levy Family

Mortgage refinancing of ₪1.2 million

Savings: ₪684,000

"We had 3 different loans with heavy monthly payments - mortgage, car loan and renovation loan. The total monthly payment was ₪9,800 and was unbearable. Kessem Finance consolidated all our loans into one mortgage with low interest, and reduced our monthly payment to ₪6,600. The freeing up of ₪3,200 per month simply changed our quality of life! Instead of dealing with 3 different payment dates and 3 different interest rates, we now have one single payment, with significantly lower interest. Thanks to the amazing Michal who created a perfect mix for us."

Danny and Tamar

Loan consolidation and mortgage refinancing

Monthly Savings: ₪3,200

"After several rejections from banks for refinancing our mortgage due to a past credit event, we came to Kessem Finance almost without hope. Their professional team took our complex case and worked real magic - they created a personalized financial plan, presented it to banks professionally, and managed to get us approval for mortgage refinancing with improved terms that saved us ₪1,850 per month. Their professionalism, patience and persistence is simply amazing! They didn't give up on us even when it seemed hopeless, and that made all the difference."

The Cohen Family

Mortgage refinancing after rejections

Monthly Savings: ₪1,850

"As self-employed entrepreneurs with irregular income, we had great difficulty getting good terms on our original mortgage. After two years of improved credit rating, we contacted Kessem Finance to check the possibility of refinancing. The difference between the treatment we received from banks in the past and what Kessem Finance consultants achieved for us was enormous. They understood the complexity of our income as self-employed, and managed to present our financial stability in a way that banks accepted. We lowered the interest rate by 1.7% and the monthly payment by ₪2,100. Their ability to handle complex cases is unique in the financial consulting landscape."

Amir and Sharon

Mortgage refinancing for self-employed

Interest Reduction: 1.7%

Frequently Asked Questions About Mortgage Refinancing

Comprehensive answers to the most common questions about mortgage refinancing and loan consolidation

When should I consider mortgage refinancing?

It's worth considering mortgage refinancing when there's a gap of at least 0.5% between your current interest rate and the rates offered today, when at least 7-10 years remain until mortgage completion, or when you want to consolidate multiple loans. Additionally, refinancing is worthwhile when your financial situation has improved since taking the original mortgage, when you want to change the mortgage mix, or when market conditions have changed significantly in your favor.

What are the costs involved in mortgage refinancing?

Refinancing costs include early repayment fee for the existing mortgage (usually 1-2% of the balance), property appraisal (₪2,000-4,000), legal fees (₪3,000-5,000), and registration fees. However, in most cases, the savings from refinancing significantly exceed these costs. Our experts will calculate the exact cost-benefit for your specific case.

How long does the mortgage refinancing process take?

The refinancing process usually takes 3-6 weeks from application submission until signing the new mortgage. The time depends on the complexity of the case, bank response speed, and document preparation. At Kessem Finance, we work to shorten the process as much as possible and keep you updated at every stage.

Can I refinance if I have payment difficulties?

Yes, in many cases refinancing can be an excellent solution for payment difficulties. Lowering the interest rate or extending the repayment period can significantly reduce the monthly payment and ease the financial burden. Our experts specialize in finding creative solutions even for complex financial situations.

Is it worth refinancing if I have a relatively new mortgage?

Even if your mortgage is relatively new, refinancing can be worthwhile if market conditions have changed significantly or if your financial situation has improved. The key is the cost-benefit calculation - if the savings exceed the refinancing costs, it's worth doing regardless of the mortgage age.

What is loan consolidation and when is it recommended?

Loan consolidation is combining several loans into one loan, usually with better terms. It's recommended when you have multiple loans with high interest rates, when you want to simplify financial management, or when you can get a lower interest rate than the weighted average of existing loans. Consolidation can significantly reduce the monthly payment and simplify your financial life.

Get Free Consultation for Mortgage Refinancing

Leave your details and a mortgage refinancing expert from Kessem Finance will contact you for a free consultation call to examine the savings options available to you.

  • Free consultation without commitment
  • Personal calculation of potential savings
  • Over 15 years of experience in mortgage refinancing
  • Professional guidance throughout the process

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