One Bayit
GBP / ILS4.156
USD / ILS3.156
Bank of Israel3.25%
Oleh purchase tax, to ₪1,978,7450%
Foreign resident, from ₪18%
Max LTV, new Oleh75%
Cities tracked19
Mid-market · Nov 2026 · Indicative
Live search · London → Netanya & Ra'anana

One Bayit. One place. Every step.

Connecting the dots in the balagan of Israeli property and finance. Cross-border experience, recorded transaction data, and one place for all of it.

Buying, investing or renting — for buyers with UK or foreign income, living here or abroad.

Book a consultation

No obligation call.

A licensed Israeli brokerage · Law-trained · UK–Israel finance

One platform · One place

Nothing gets handed off.

One practice, not five different firms, agents and people who never speak to each other. Each part informs the next, and all of it is built on having made the move ourselves.

POSITION SEARCH MORTGAGE TRANSFERS BANKING SAVINGS CLOSING
One Bayit One platform · One place · Every step
Position

Buy, invest or rent

A home to live in, an investment to let, or a rental while you decide — three different financial decisions, and we settle which one fits before looking at a single property. We read your income as an Israeli bank will, and the budget that follows is usually not the one you arrived with.

Search

The whole market

We act for you, not a seller, so the search is never limited to one agency's stock. A large share of Israeli homes are sold directly by their owners and never reach a listings site at all — those are the ones we go after, alongside other agents' stock, developers and rentals. Israeli data and AI tools value each one against recorded transactions rather than an asking price.

Finance

Mortgage, if needed

An Israeli mortgage is not one loan. It is several built into one package — fixed, variable and index-linked in different proportions — and the mix you choose changes what you pay for decades. We structure it around a foreign-income file and take it to decision-maker level.

Currency

Money transfers

Sterling and dollars into shekels through a licensed currency partner, with the rate and the margin shown to you before anything moves, and sequenced around your payment schedule.

Banking

Opening the account

Israeli banking still runs on branches, paper and wet signatures, where the UK and US have been app-first for years. The account has to exist before the money lands, so we prepare the file, run the compliance and absorb the bureaucracy ourselves.

Deposits

Savings & options

Where funds sit before or after a purchase, we introduce you to Israeli institutions and set out the options in sterling and shekels so you can compare them properly.

Closing

Closing

Purchase tax at the Oleh rate where you qualify — 0% on the first ₪1,978,745 against 8% from the first shekel for a foreign resident — then the payment schedule and the handover. One file, one point of contact, from the first conversation to the keys.

Each part feeds the next · One file · One point of contact

Why it is needed

Nothing here works the way you expect it to.

There is no accurate national search the way there is in the UK or the US. The money side is slower and dearer than anything you are used to. And the market runs on a set of rules nobody has written down.

Nowhere centralMuch of the market never reaches a listings site at all — it sits with agents, in WhatsApp and in Facebook groups
Banking from another eraBranches, paper and signatures, where the UK and US take seconds — and charges you are never shown up front
The price is an openingThe listed number is where negotiation starts, and the same flat often carries three of them
Relationships, not processDeals move on a phone call and who you know, and the directness reads as rudeness until you are used to it

None of this is dysfunction. It is a different system.

Moving the money

Most of the cost is in the rate.

Banks quote a small wire fee and take the rest in the exchange rate. Our currency relationships can save tens of thousands of shekels on a purchase-sized transfer.

Relationships

Built over a career in UK–Israel finance, not a comparison site.

AML & KYC

We prepare and run the compliance file ourselves.

Timing

Sequenced around your payment schedule.

Savings are not guaranteed. Currency services are provided by a licensed partner; we never hold client money.

The data · 2026

Recorded prices, not asking prices.

We work from recorded Israeli transactions, read with Israeli data and AI tools, across 19 cities — average price, price per square metre and gross yield, with rent, purchase tax, arnona and Oleh benefits alongside.

CityAvg pricePrice / sqmGross yield
Ra'anana₪2,800,000₪28K–45K2.8–3.2%
Netanya₪2,200,000₪22K–38K3.0–3.5%
Modi'in₪2,300,000₪20K–28K3.0–3.5%
Pardes Hanna-Karkur₪1,650,000₪16K–25K3.5–4.2%
Ashkelon₪1,630,000₪15K–24K3.5–4.0%
Beer Sheva₪1,240,000₪12K–18K4.0–5.0%

Cost-of-living as well as property: groceries, utilities, arnona, rent, purchase tax and Oleh benefits across 19 cities — with everyday prices set side by side against the UK.

Open the full calculator →

2026 figures, for context only. Not a valuation or forecast. Yield is gross.

What it costs

The same fee an agent charges. A different service entirely.

In Israel the buyer customarily pays the agent anyway. We are not adding a cost to your purchase — we are replacing one you were already going to pay, and what you get for it is not comparable.

An agent gives youTheir own listings, and an asking price
We give youYour financial position analysed first
Recorded transaction data, not listings
Mortgage, transfer, banking and closing
One point of contact to the keys

Fees are confirmed in writing before any work begins, and exclude VAT.

Every home helps a child.

When we moved, the question that mattered most was what our autistic son would find here. The answer was better than we dared hope, and OTI — the Israeli Autism Association — has been a huge part of that. A portion of every transaction goes to their work.

oti.org.il →
Ofir Zaoui, licensed Israeli property broker and founder of One Bayit

About me

We made the move ourselves.

We came from London as a family and went through all of it first-hand — the banks, the bureaucracy, the paperwork, the mentality gap. I am Israeli with a British mindset, and we know both ends of this move because we have lived at both ends of it.

I am a licensed Israeli property broker and law-trained. Before this my career was cross-border investment, raising capital in Israel and across Europe for British property and asset-backed funds, working with the Israeli banks and with trading desks in London and Europe. We are not estate agents who added services — we came from the finance side and built the property side around it.

Israeli law
Investment
UK–Israel transfers
Property finance

Common questions

Before you get in touch.

Can I get an Israeli mortgage on income earned abroad?

Usually yes, but not as a UK lender would assess it. Israeli banks read foreign income, dividends and company structures differently, and the loan-to-value depends on residency status and whether it is a first home. Most refusals we see are presentation failures rather than affordability failures.

I live in Israel but I'm still paid from abroad. Does that work?

It is one of the most common positions we deal with, and one of the most frequently mishandled. Being resident here while earning in sterling or dollars affects how a bank reads your file, what documentation it wants and which mortgage tracks make sense. Residency and income currency are two separate questions, and banks treat them that way.

How do you find properties other people don't?

Because we act for buyers rather than sellers, we are not limited to our own stock. We work across other agents' listings, developers, and the large share of Israeli owners who sell directly without using an agent at all — those sales never appear on a listings site. On top of that we run Israeli data and AI tools over recorded transactions, so a property is judged against what comparable homes actually sold for rather than what someone is asking.

I'm making Aliyah from the UK — does that change things?

Considerably, and mostly in your favour. The Oleh purchase tax rate is 0% up to ₪1,978,745 and 0.5% on the band above, where a foreign resident pays 8% from the first shekel. Timing your status against your purchase is one of the larger numbers in the transaction. We do not provide visa or Aliyah consulting itself.