Unlock the Japanese property market,
without traditional bank restrictions
For overseas buyers, foreign residents of Japan and borrowers with complex income.
We finance new purchases, refinances of existing Japanese loans and equity release on properties owned outright,
assessing your overseas income and assets together.
✓ No Japanese income required ✓ No Japanese bank account required ✓ No Japanese company required ✓ Remote application
Maximum LTV
Up to 65%
Loan term
Up to 35 years
Loan amount (JPY)
¥15 -525 million
Credit decision
About 10 business days
— Who is this for? —
Which clients can apply?
We mainly serve non-Japanese residents who struggle to meet traditional Japanese bank criteria but have verifiable income,
assets or repayment capacity.
Overseas residents and income
For applicants who do not live in Japan, or whose main income comes from outside Japan.
- Non-Japanese residents or short-term visitors
- No Japanese visa or local bank account
- Salary or business income earned overseas
New arrivals in Japan
For clients who have just arrived and have not yet built a local income or tax record.
- Recently moved to Japan for work or life
- Short local income history
- Stable income or assets still held overseas
Owners of properties held outright
Borrow against a Japanese property you already own with no mortgage, and release the funds.
- Unlock value in your existing property
- Top up personal or business liquidity
- Fund your next investment
Complex income or self-employed
We assess verifiable income beyond a fixed salary.
- Commission, bonus and director income
- Company profit or dividends
- Rental income and combined income sources
Students and young applicants
Where appropriate, we can consider a guarantee and financial support from parents or family members.
- Overseas parents as guarantors
- Family income used to support the assessment
- Proof of family assets and funds
Investment and minpaku buyers
Owner-occupied homes, long-term rentals and qualifying minpaku (licensed short-term rental) projects can all be assessed.
- Owner-occupied homes and non-first properties
- Long-term rental investments
- Compliant minpaku projects
— What can we finance? —
Finance across the life of your Japanese property
From purchase, to improving an existing loan, to releasing cash from your property, we structure finance around the purpose of the transaction.
New purchase
Finance an owner-occupied home, a rental investment or a qualifying minpaku property in Japan.
Refinance an existing loan
Review your current Japanese mortgage and improve its term, rate or overall structure.
Equity release
Borrow against a Japanese property you own outright and release cash from it.
— Product overview —
Japan Tracker
Flexible Japanese property finance for new purchases, refinances and equity release on properties owned outright.
Product terms at a glance
Key product terms and eligibility
- Loan purpose
- New purchase, refinance of an existing loan and equity release on a property owned outright.
- Loan to value
- Up to 65% of the property valuation or purchase price.
- Loan amount
- ¥15 million to ¥525 million
- Loan term
- Up to 35 years
- Repayment type
- Principal and interest; interest-only may be available in the early years for applicants who meet credit criteria.
- Property types
- Owner-occupied homes, investment rentals and qualifying minpaku properties; mainly non-wooden buildings completed after 1990.
- Property locations
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- Greater Tokyo: Tokyo, Yokohama, Kawasaki and parts of Kanagawa, Saitama and Chiba
- Kansai: Osaka, Kyoto and Kobe
- Chubu: Nagoya
- Kyushu: Fukuoka
- Hokkaido: Sapporo
(Other areas: contact us to check) - Accepted applicant country / region
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Residents of the following 13 countries and regions are accepted:
Mainland China, Hong Kong SAR, Taiwan, Singapore, South Korea, Thailand, Vietnam, Japan, Canada, the United States, the European Union, the United Kingdom and Australia
Remote application, online communication and electronic document submission are supported.
Tracker rate
4.89627% p.a.
(TIBOR 1.39627% p.a. + 3.50% p.a.),
as at 1 October 2026
Loan structures are assessed according to property type, applicant background and investment goals.
The terms above are indicative only; the final offer depends on your circumstances, the property valuation and credit approval.
— Product flexibility —
Beyond a single income source:
We look at your full financial strength.
We assess income, assets, family support and the property together. A simple application, with no need to travel to Japan.
Multiple income types
Salary, commission, bonus, self-employed income, company profit, dividends and rent are all accepted.
Asset-supported assessment
We can consider savings, property, shares, funds, bonds and other verifiable assets.
Overseas documents
We can review income, bank, company and asset documents from your country of residence.
Family support
In some cases we can consider a guarantee or joint application from parents or family members.
Remote submission
Documents can be submitted electronically, usually without travelling to Japan.
Multilingual service
Support in Chinese, English and Japanese to help prepare your application and transaction documents. Chinese documents do not need translation.
— Application process —
From initial assessment to funding.
Our multilingual team guides you through every step.
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Use the form below to share details of the Japanese property you want to finance, so we can give initial guidance on whether it suits our lending. We look at the location, condition and value of the property, as well as your income sources and net worth. We do not want you to submit an application that is unlikely to be approved.
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Work directly with BC Asia or your mortgage referrer to complete the loan application form and provide the required documents and a non-refundable application fee.
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We review your application. We aim to issue conditional approval and confirm the loan terms within 10 business days.
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When all checks are complete, we issue formal loan approval and send the documents to you for signing.
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Your settlement is complete.
— Documents you may need —
A typical checklist
The actual requirements depend on your identity, country of residence, income structure, loan purpose and property.
-
Passport;
proof of residential address;
residence card or visa documents;
proof of family relationship;
explanation of source of funds
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Employment letter and payslips;
personal bank statements;
tax or annual income documents;
company financial statements;
proof of rental income
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Bank deposit certificates;
property ownership records;
share or fund statements;
bonds and other financial assets;
company shareholding documents
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Property sales materials; sale contract or letter of intent;
property registration documents;
lease agreements and rent records;
minpaku licence and operating documents
— Free consultation —
Get a preliminary assessment for your Japanese property loan.
After you submit the details, we assess feasibility based on your identity, income sources, assets and the property. You can also send your enquiry through the contacts below.
Email：
[email protected]
WeChat：
BCGroup16
Language：
Chinese｜English｜Japanese
— Frequently asked questions —
Before you apply for a Japan mortgage
These answers are general. Eligibility is confirmed through a formal assessment. Contact us with any questions.
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Yes. You can complete the whole process remotely. You do not need to travel to Japan to prepare documents or complete legal steps.
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Tax obligations differ by country. Please speak to a tax adviser who knows international property investment and local tax law.
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The loan and repayments are in Japanese yen, so exchange-rate movements change what you pay in your own currency. Consider discussing currency hedging with a financial adviser.
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All financed properties must carry fire and earthquake insurance. We can recommend accredited insurers who understand non-resident requirements.
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Yes, and rental income can be used to repay the loan. We can introduce property managers who serve non-resident owners.
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At present we only finance apartments completed after 1990.
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We normally lend to individuals, but we can consider a small entity set up only to hold the property (a company with no other business).
— For brokers and professional partners —
More Japanese property finance options for your clients.
When a client cannot meet Japanese bank requirements due to overseas income, residency status, or complex income, we can assess whether financing is eligible.
✓ Case-by-case preliminary eligibility assessment
✓ Help preparing application and property documents
✓ Regular progress updates to clients and referrers
✓ Support in Chinese, English and Japanese
✓ Fees settled under a partnership agreement
Clients who suit a referral:
Overseas income or no Japanese income
No Japanese permanent residency or long residence record
Self-employed, business owners or commission earners
Own a Japanese property outright and want to release cash
Plan to buy an investment property or qualifying minpaku
Want to complete the application and purchase remotely