日本不動産融資株式会社
Institutional mortgage lending for foreign buyers of Japanese residential property.
日本不動産融資株式会社
Institutional mortgage lending for foreign buyers of Japanese residential property.
Japan's residential property market presents a structural financing gap. Domestic banks will not lend on properties over twenty years old, on distressed or rural assets, or to non-resident foreign nationals, regardless of creditworthiness. This leaves a large and growing segment of the market entirely unserved.
Japan Property Finance is purpose-built to operate as a licensed Japanese money lending business (貸金業者)* and originate mortgage loans on Japanese residential property, applying institutional-grade underwriting to a market that has never had access to it.
If you are a foreign national looking to finance the purchase of Japanese residential property and have been turned away by Japanese banks, Japan Property Finance is being built for you.
Japanese banks routinely decline foreign applicants, regardless of income or assets, and will not lend on older or rural properties. Banks in the borrower's home country will not lend against property held in a foreign jurisdiction. We are establishing a specialist lending facility to serve exactly this market.
We are not yet originating loans, but we are keen to understand demand. If you have a property in mind and would like to register your interest, please complete our short form. It takes under two minutes.
Register your interest →Japan Property Finance is founded by a quantitative finance professional with eighteen years at Goldman Sachs, Systematica Investments, and Millennium Management, holding a PhD in Computer Science, a PostDoc in Machine Learning, and a Professional Certificate in AI from Stanford University.
Institutional enquiries: [email protected]
Contribution to Japan
Japan faces a well-documented vacancy crisis. There are an estimated nine million vacant properties across the country: akiya that sit empty, deteriorating, and beyond the reach of domestic finance. In rural towns and smaller cities, entire neighbourhoods are hollowing out as younger generations leave and properties pass out of productive use.
Japan Property Finance operates at the intersection of this problem and a growing pool of foreign nationals who want to buy, renovate, and inhabit these properties. Many of our borrowers intend to live in, restore, and become part of the communities they invest in. Others are investors who see value in bringing vacant properties back into productive use. Both are welcome.
By financing purchases that no domestic institution will touch, we enable:
This aligns directly with the objectives of Japan's Akiya Special Measures Act (空き家対策特別措置法) and the regional revitalisation programmes promoted by national and prefectural governments. Japan Property Finance operates as a private-sector complement to public policy, financing activity the market has failed to support.