Mortgage Advisory

Mortgage Advisory for Foreign Buyers in Turkey

Foreign nationals can obtain mortgage financing from Turkish banks for property purchases in Turkey. Rexa Invest helps navigate the Turkish banking system.

Typical Terms (Indicative — Verify Directly with Banks)

  • LTV: 50–70% for foreign buyers
  • Currency: TRY-denominated (foreign currency residential mortgages are restricted)
  • Loan term: Up to 20 years
  • Minimum down payment: 30–50%

Currency Risk Warning

Turkish mortgages are in Turkish Lira (TRY). Investors earning in USD or EUR carry currency risk on TRY-denominated debt. Independent financial advice is strongly recommended before taking TRY mortgage financing.

Cash Purchase

The majority of international buyers purchase with cash wire transfer, which simplifies and accelerates the citizenship by investment process.

Interest rates change with TCMB monetary policy. Always verify current rates with lending banks before any financial decision.