Accessible
No Japanese Income or Residency Required
The Only Lender Specifically for Non-Residents
Unlock Cash from Your Tokyo Property or Finance Your New Purchase
At Yen Loans, we specialize in Japanese Yen mortgages for international property investors. Licensed by Tokyo Metropolitan Government, we make Japanese real estate financing accessible to non-residents worldwide.
Transparent
A Clear, Compliant Path to Financing
Fast
Approval in 10 Business Days
Multilingual
Support English, Chinese and Japanese
Our Product
Yen Loans Tokyo
Tokyo Property Financing Solutions
Tracker Rate 4.13% p.a.
(TIBOR 0.63% p.a.* + 3.50% p.a.)
*as of 1 December 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
Global Eligibility
Up to 12 countries/regions supported
Application Process
Step 1 - Get in touch with Yen Loans
Use the form below to share information with us about the Tokyo condo you are looking to finance, so that we can give you preliminary guidance on whether the properties you are considering are suitable for financing. This includes evaluating the property's location, condition, value, etc., in addition to background on your source of income and net worth. We don’t want you to submit an application which is unlikely to get approved.
Step 2 - Submit your application
Work directly with Yen Loans or your mortgage referrer to complete and submit the loan application form along with all the required documents and required non-refundable application fee.
Step 3 - Conditional approval
We review your application. Generally, we issue confirmation of conditional approval and loan terms within 10 business days.
Step 4 - Documents issued and signed
When all checks out, we will issue the formal loan approval and send you the documents for signing.
Step 5 - Settlements
Your settlement is finalized!
Why Choose Yen Loans Over Traditional Japanese Lenders?
| Requirements | Yen Loans | Current Japan Financing Reality |
|---|---|---|
| Japanese Income/Local Bank Account | Not required | Mandatory |
| Visa/Residency | Not required | Mandatory |
| Corporate Structure | Not required | KK/GK entity setup mandatory |
| Processing Time | 10 business days | 3-4 months |
| Language Support | Dedicated teams for English, Chinese and Japanese support | Japanese primary |
| Documentation | English & Chinese documents accepted | Japanese translation required |
| Market Focus | International investor specialist | Limited non-resident options |