Certified mortgage advisor · English · Russian · Hebrew

My average client saves
~₪[XXX,000]
on their mortgage

Not by taking a smaller loan — by getting better terms. Most people don't even know they're leaving hundreds of thousands of shekels on the table. I'm here so it doesn't happen to you.

Let's talk How it works?

Elena's photo
coming soon

15+years in finance

300+mortgages handled

3 languagesEnglish · Russian · Hebrew

100%personal guidance until signing

What I do

Tailored solutions for every step of your real-estate journey

🏠

Home purchase

Mortgages for new or second-hand apartments. Securities, contractor payments, full guidance through to the bank signing.

🔁

Refinancing (Mihzur)

Improving the terms of your existing mortgage — internal or external mihzur. Transferring a mortgage to a new property.

🎯

Mehir le-Mishtaken

Maximum use of government benefits, optimization of own capital, and a properly structured cash flow.

💼

Self-employed & business

Even when income is irregular — I know how to build a "business case" that convinces banks to give you the best terms.

📊

Debt consolidation

Combining consumer loans and credit card debt into a single low-interest mortgage. Saves thousands of shekels per month.

⚡

Complex cases

Irregular income, credit issues, non-standard deals — where most advisors give up, that's where I start.

How it works

We don't "ask" for a mortgage — we build a case the bank wants to approve

Free diagnostic call

I get the full financial picture: income, obligations, goals. In your language.

Building your case

I know the "unwritten rules" of each bank — where you look strong and where to reinforce.

Negotiating for you

Banks compete for you, not the other way around. I push for terms you wouldn't get alone.

Guidance until signing

Paperwork, coordination, appraisal — you just sign at the end. No headaches.

Mortgage calculator

Check your expected monthly payment in 30 seconds

Property price (₪)

Down payment (₪)

Term (years)

Annual rate (%)

Loan amount—

Monthly payment—

Total payments—

Total interest—

* Approximate calculation at a single fixed rate. In reality the mortgage mix (tamhil) combines different tracks — I'll build the precise one with you personally.

Client stories

Real results from the field

Before ₪[—] monthly

→

After ₪[—] saved: ₪[—]

Refinancing — olim family

[Short case story: what was the problem, what I did, the result]

Before ₪[—] monthly

→

After ₪[—] saved: ₪[—]

First purchase — young family

[Case: how I secured terms X% lower than the bank's initial offer]

Before Debt ₪[—] credit cards

→

After 1 payment saved: ₪[—]/mo

Debt consolidation — self-employed

[Case: 3 consumer loans merged into the mortgage, monthly cash flow released]

4 myths that cost you money

Myth

"My bank will give me the best terms"

Reality: There's no connection between the bank where your account is and the mortgage terms you'll get. You're not a "regular customer" — you're a new client of the mortgage department.

Myth

"It's a complex process that takes months"

Reality: With an advisor who knows what to do — the process is simple and fast. I handle the bureaucracy, you just sign at the end.

Myth

"My case is complicated, no chance of approval"

Reality: Self-employed, irregular income, credit issues — that's literally my specialty. Each bank treats cases differently, I know which one to approach.

Myth

"A mortgage advisor is too expensive"

Reality: My fee is paid once — and the savings I deliver run over 25-30 years. Tens to hundreds of thousands of shekels.

Photo
coming soon

Why me?

I'm Elena Petina, a mortgage advisor with years of experience guiding families, olim and self-employed clients to the right mortgage for them.

✅ Personal guidance in English, Russian and Hebrew — without losing a single nuance
✅ Deep understanding of the Israeli banking system — including the "unwritten rules"
✅ Specialty in complex cases — irregular income, olim, self-employed
✅ Full transparency: fair fee, no surprises, results pay for themselves

Discuss your case