Mortgage Solutions for Non-Residents with Yen Loans

Unlock the Potential of Japanese Real Estate

We are a pioneer mortgage lender in Japan that offer loans to non-residents, helping them access the Japanese property market.

Our streamlined process ensures a swift and efficient experience, offering transparency that builds trust and confidence. With a modern and agile approach, we tailor our innovative practices to meet your needs seamlessly.

Loan Features

Yen Loans Tokyo

Tracker Rate 3.92% p.a.

(TIBOR 0.42% p.a.* + 3.5% p.a.)

*as of 6 January 2025

  • Loan Purpose : New Purchases, Refinancing, Equity Release

  • Building Type : Tokyo apartments only, constructed after 1990

  • Loan-to-Value (LTV) Ratio : Up to 60% LTV

  • Loan Amounts : JPY 10M - 250M

  • Loan Tenor : Up to 35 years

Non-Residents of Japan

  • Borrowers are not required to have Japanese income, a Japanese bank account, a visa, residency, or the need to set up a Japanese company

Why Choose Us

Liquidity Solutions

We simplify mortgage financing for non-residents of Japan, whether you're purchasing a new property, refinancing, or seeking equity release.

Expert Support

Our dedicated team is here to guide you through the financing process, offering customer support in both English and Mandarin.

Ease of Use

We understand the challenges of purchasing Japan real estate for foreigners. That’s why we don’t require Japanese income, a Japanese bank account, or a visa — making the process straightforward and accessible.

Efficiency

Our easy online application and quick decision-making ensure you won’t miss out on any opportunities in the market.

Application Process

Get in touch

If you would like to learn more about our lending solution, please fill in the form and we will get back to you shortly.

Who we are

Yen Loans is a newly established Japan lending business created to provide first mortgage finance solutions to non-residents of Japan.  Headquartered in Tokyo, it has a Money Lending Business Operator’s license from the Tokyo Metropolitan Government.  Yen Loans was founded by financial industry veterans with deep understanding of finance and the Japanese housing market.