Japan Mortgages for Non-Residents
Invest in Japanese Real Estate Without the Financing Barriers
At Yen Loans, we specialise in Japanese Yen mortgages for international property investors. Licensed by the Tokyo Metropolitan Government, we make Japanese real estate financing accessible to non-residents worldwide, as well as to foreign residents of Japan who don’t have access to loans from Japanese financial institutions.
No Japanese Income Required
No Visa or Residency Needed
Licensed Tokyo Metropolitan Government Lender
English & Mandarin Support
Yen Loans Tokyo
Tokyo Property Financing Solutions
Tracker Rate 4.35636% p.a.
(TIBOR 0.85636% p.a. + 3.50% p.a.) as of 16 January 2026
Loan-to-Value (LTV) Ratio : Up to 60% LTV
Loan Amounts : JPY 10M - 250M
Loan Tenor : Up to 35 years
Global Eligibility: Up to 12 countries/regions supported
Why Choose Yen Loans Over Traditional Japanese Lenders?
| Requirements | Yen Loans | Traditional Japanese Lenders |
|---|---|---|
| Loan Purpose | For new purchases, refinancing, or equity release (cash-out) | For new purchases or refinancing only |
| Japanese Income | Not required | Mandatory |
| Visa/Residency Status | Not required | Mandatory |
| Processing Time | 2-4 weeks | 2-6 months |
| Language Support | Dedicated English & Mandarin teams | Japanese primary |
| Language of Income Verification Documents | English & Chinese documents accepted | Japanese translation required |
| Market Focus | International investor specialist | Limited non-resident options |
Schedule Your Free Consultation
If you would like to learn more about us and our lending solution, please fill in the form and we will get back to you shortly.
Become Our Partner
Help clients or investors unlock Japanese property financing with Yen Loans.
We work with property professionals both in Japan and overseas.
For international brokers, tailored cooperation frameworks can be arranged in accordance with local legal requirements.