Work with us
A financing partner for buyers of Japanese property
Real-estate agents, brokers and wealth advisers refer their non-resident clients to YEN LOANS for a first mortgage on qualifying Japanese apartments. The product is published, and you keep the client relationship. Share a case with us and we will tell you whether it fits.
Also for forwarding to a client: the buyer’s primer (PDF, 13 pages) — the case for the asset, how a purchase works, and where financing fits.
Working with us
Whether you sell the property or advise the buyer
Every partner works on the same footing: a published product you can quote unaided, and an eligibility screen you can apply before a viewing is spent — what that is worth depends on the deal you are doing.
For agents & brokerages
Help your buyer transact
You are trying to close a sale. We give the buyer financing they can rely on, and you a fast answer — without competing for the client.
- Know a buyer can be financed before a viewing is spent — share the case for an early read against our criteria.
- Terms that hold: published pricing and a firm commitment to fund, so financing does not unravel late in a deal.
- You keep the client and your commercial relationship — we handle the loan only.
- An indicative answer within 24 to 48 hours, from a named contact.
For wealth managers & family offices
Place a client with a lender you can stand behind
You are advising on a 35-year yen obligation. What you need is a counterparty you can size, and terms you can hold us to.
- A licensed lender, not a broker — YEN LOANS lends as principal and retains the credit risk.
- Published rate, fees and eligibility, so a recommendation rests on terms in the open.
- Documented settlement, completed remotely where a client cannot travel to Japan.
- A firm your diligence can verify: license, team and completed loans are all on the record.
Why introduce to YEN LOANS
A lender your client can verify
Confidence in a lender comes down to three things: that it is licensed, that it is straightforward to work with, and that it can accommodate the case in front of you.
Licensed
A money lender registered with the Tokyo Metropolitan Government under the Money Lending Business Act. We lend as principal — we underwrite each loan, make the credit decision and retain the credit risk, rather than broking a file on to a bank.
Convenient
An indicative answer within 24 to 48 hours, from a named contact. We work in English, Japanese, Mandarin and Korean, need no Japanese bank account, visa or residency from the borrower, and settle remotely when a client cannot travel to Japan.
Flexible
Income earned abroad and in foreign currency is assessed on its merits. Purchase, refinance and equity release, loans from ¥15M to ¥525M, and an interest-only option where it suits the case.
Money Lending Business Act license
Governor of Tokyo (1) No. 31998
Registered with the Tokyo Metropolitan Government.
Before you introduce a client
What a strong referral looks like
The more of this a case already meets, the faster we can give your client an indicative answer.
- A qualifying property — a strata-titled, RC or SRC apartment completed in 1990 or later, in one of our metropolitan areas.
- A borrower who holds a passport from one of the eligible countries or regions — nationality, not residence — or Japanese Permanent Residency held by certain other nationals.
- A loan between ¥15M and ¥525M, within a 65% LTV (50% for second homes and short-term rentals).
- Income evidence (tax returns or equivalent) and recent bank statements, in English, Chinese or Japanese — nothing needs translating.
Ways to work with us
Introduce a case, or partner with us
There is no program to sign up for. Send us a case whenever you have one — and where we work together regularly, we can put a lasting arrangement in place.
Case by case
Introduce a case
Send us a property or introduce a client and we review it against our lending criteria — no sign-up, no commitment. The steps below are the whole of it.
An ongoing relationship
Partner with us
For brokerages and firms that work with us on an ongoing basis, we put in place a tailored cooperation framework, structured in accordance with the legal requirements of your jurisdiction.
Share the case
Email inquiry@yenloans.com with the property and the borrower’s outline — location, price, the loan sought, and the borrower’s nationality (the passport they hold).
We review it
We check it against our published property and borrower criteria and tell you plainly whether it fits — no application fee for an indicative view.
You get an answer
An indicative response within 24 to 48 hours, from a named contact, that you can take back to your client.
Partner inquiries · inquiry@yenloans.com
Tokyo office · ARK Mori Bldg. 31F, 1-12-32 Akasaka, Minato-ku, Tokyo, Japan 107-6031
Telephone · +81 (0)3-6230-5257
YEN LOANS K.K. is a money lender registered with the Tokyo Metropolitan Government under the Money Lending Business Act (MLBA), license Governor of Tokyo (1) No. 31998. Cooperation with introducers is agreed in writing and is subject to the regulatory requirements applicable to the partner. Nothing on this page is an offer to lend or a promise of any commercial term. Effective annual rate (実質年率) within 14.6%, calculated on the principal net of fees; late-payment charge up to 20.0% p.a. Applications are subject to careful review and may be declined. Please check the terms of your agreement and borrow within your means. 慎重な審査の結果、お申込みの意に沿えない場合がございます。ご契約内容をご確認のうえ、ご利用は計画的に。 The approved Japanese disclosure is published in full under 貸付条件の表示.