We are the First Japanese Lender Focusing on Non-Japan Residents
Yen Loans is a licensed mortgage lender in Tokyo focused on providing financing solutions to non-residents who want to purchase or refinance Japanese real estate.
Most Japanese banks require residency, Japanese income, and a local bank account.
Our lending program is designed specifically for clients who do not meet those requirements but want access to Japan’s property market.
Our Purpose
International interest in Japanese real estate continues to grow, yet financing options for non-residents remain limited. We were established with international institutional backing to address this gap with a lending platform built around transparent criteria, independent valuation, and a streamlined approval process suitable for cross-border clients.
How We Operate
We follow a disciplined underwriting framework supported by independent property valuations, clear credit standards, and a strong compliance foundation. Every loan follows the same structured process: full KYC and AML verification, third-party appraisal, and a documented credit assessment. This ensures consistency, fairness, and risk transparency for all borrowers.
Why Clients Work With Us
Clients choose Yen Loans because our process is designed for non-residents. We provide clear requirements upfront, communicate in English and Mandarin, and offer predictable timelines. Our focus is on removing the financing difficulties that international buyers typically face in Japan, while maintaining the regulatory standards of a licensed lender.
Regulatory Status
Yen Loans is registered under the Money Lending Business Act and operates in accordance with all applicable Japanese regulations, including KYC, AML, data protection, and consumer protection requirements. We work with approved valuers, judicial scriveners, and compliance professionals to ensure every transaction meets the required standards.