Cyprus Mortgages
What Israeli investors should know before buying in Cyprus
From non-resident loan-to-value caps to required documentation โ a practical overview of the Cypriot mortgage process.
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Cross-Border Mortgages ยท Cyprus & Greece
Get Your Free Cyprus Mortgage Assessment
Your gateway to European property โ expert financing solutions for international investors.
Planning to buy property in Cyprus? Get a free assessment and discover your mortgage and financing options with expert guidance.
Mortgage Simulator โ Cyprus & Greece
Move the sliders to check your estimated repayment
Property Value (โฌ)250,000 โฌ
Equity (โฌ)100,000 โฌ
Loan Term (years)15 years
Estimated monthly repayment (4% rate)
1,110 โฌ
Requested financing amount: 150,000 โฌ
Our Banking Partners
Strong relationships with leading Cyprus banks give you access to a wider range of mortgage solutions โ all through one experienced advisor.
Bank of Cyprus
Eurobank Cyprus
Alpha Bank Cyprus
Ancoria Bank
Meet the Founder
Avner GolaniยทFounder & Mortgage Economist
Founded by Avner Golani, a financial expert with over 20 years of experience navigating complex mortgage landscapes. Betterate has built a reputation as Israel's premier mortgage brokerage, specializing in high-value international transactions.
- Hundreds of successful mortgage negotiations with Israel's leading banks
- Member of the Israeli Mortgage Association
- Specialist in complex financing for high-end clients (โฌ5-10M portfolios)
- Deep expertise in cross-border real estate transactions
A strategic destination for high-net-worth international investors
Why Invest in Cyprus?
EU Gateway & Legal Security
A full EU member state with a Euro-based economy. The legal framework is built on English Common Law, ensuring maximum transparency, robust property rights protection, and complete peace of mind for foreign investors.
Exceptional Tax Incentives
Benefit from one of the lowest corporate tax rates in the EU (12.5%), zero inheritance tax, and extensive Double Tax Treaties with over 60 countries, ensuring optimal wealth preservation.
Corporate Structuring Advantages
Foreign investors can easily establish a local Holding Company to purchase real estate, allowing for profound tax optimization on rental yields, capital gains, and seamless cross-border portfolio management.
Fast-Track Permanent Residency
A real estate investment of โฌ300,000 (plus VAT) qualifies investors and their immediate families for Cyprus Permanent Residency, offering a lifelong secure foothold within the European Union.
Booming Market & High Yields
Driven by an influx of international tech companies, strong year-round tourism, and mega-infrastructure projects, the market offers exceptional capital appreciation and robust rental demand.
The Process
A clear path from inquiry to keys
1
Initial Consultation
We review your finances, goals, and target property.
2
Tailored Solutions
Our economists build personalized solutions and present the best option for your needs and budget.
3
Hassle-Free Document Prep
We gather, prepare, and submit all required documents to ensure a smooth, hassle-free process.
4
Submission & Negotiation
We submit your file to the banks and negotiate to secure the best rates.
Approval & Completion
Final bank approval and full guidance through to deal completion and handover.
Basic Requirements
What international investors need in place before applying for a cross-border mortgage in Cyprus and Greece
Minimum Equity / Down Payment
Typically 30%โ50% of the property's commercial value. EU citizens usually require a 30%โ40% down payment, while non-EU investors should expect to provide 40%โ50% (LTV of up to 50%โ60%).
Proof of Stable Income
Employed applicants need 3โ6 months of payslips, an employment contract, and recent tax returns. Self-employed investors must provide 2โ3 years of tax assessments and accountant-certified financials. All documents must be officially translated and apostilled.
Required Banking Documentation
A clean credit report, 6โ12 months of personal bank statements, and strict documentation proving the source of funds. Setting up a local bank account and obtaining a local tax ID are also mandatory.
Get your free financing assessment
Tell us about your plans and an advisor will reach out within 24 hours.
avner@betterate.co.il
Kadima, Israel
Alexandrou Business Centre | 76 Omirou Street, 3096 Limassol, Cyprus
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Trusted local experts supporting your cross-border purchase
Alexandrou Corporate Services
The Ring Project
Leading Developers