Mortgage Guide 2026

Mortgages 2026: Your Opportunity

With the expected rate decline, 2026 is an excellent year to take or refinance a mortgage. In this guide, we will break down everything you need to know.

Main Mortgage Tracks

Fixed Rate: Suitable for those who want certainty. During a rate decline, it is advisable to lock in a low fixed rate.

Variable Rate (Prime): Tied to the Bank of Israel's rate. The repayment decreases with each rate cut.

Mixed Track: A combination of fixed and variable - recommended for most borrowers.

Saving Tips

1. Compare at least 3 banks
2. Consider refinancing if your rate is higher than 4%
3. Increase your equity as much as possible
4. Check eligibility for government assistance