With 30+ years of banking expertise, Yiannos helps lead a structured approach that has supported hundreds of Israeli investors in securing financing through a clear, professional process.
Until recently, getting a mortgage in Cyprus often meant endless paperwork, slow processes, and uncertainty.
Today, that experience looks very different — thanks to Yanus.
With over 30 years in senior roles within the Cypriot banking system, Yanus knows the mortgage process in depth. He understands how decisions are made, how banks work internally, and how to navigate the system efficiently.
Now at Yarok, he brings this experience and network to our clients, creating a mortgage process that is clear, fast, and predictable. More than 670 Israeli clients have already secured excellent mortgage terms in Cyprus — without stress or unpleasant surprises.
When you truly understand the system, barriers disappear. With Yarok, you don’t chase approvals — you move forward with confidence.
Our client, an experienced investor in Cyprus, had already purchased several properties in the past. When she went to the bank to apply for a mortgage for another property, she did everything by the book: filled out forms, submitted documents, answered every question. But despite all her efforts, she was rejected. The bank claimed that there was a problem with her age, or with the existing assets, and made excuses. After all the hassle, they simply closed the door on her.
At this point, she almost gave up, until a friend connected her with us. We came into the picture, re-gathered the materials, built a neat file, and presented things to the right bank, in the right way. In a short time, she received full approval for a mortgage, on excellent terms.
Our client, a veteran Israeli entrepreneur with a successful business and proven profitability – wanted to buy an apartment for investment in Cyprus. When he approached the bank with all the financial statements – the bank made a face: “Are you self-employed? That’s risky… We can’t approve right now.”
He left feeling frustrated – even though his income was much higher than the average salary. The problem? The bank didn’t understand the income structure of a self-employed person.
When he contacted us, we explained to him exactly what was missing, built the financial presentation clearly, backed up by documents, and communicated with the bank in a language he understood.
In less than 10 days, he received approval for a 70% mortgage – with terms he didn’t believe were possible for a self-employed person.
“You made arrangements that even my accountant couldn’t do for me.”
Our client, an investor couple who purchased a new property in Cyprus, received a significantly lower appraisal than expected. This meant much less financing than planned, and the entire deal was in danger of being canceled. Instead of giving up, we intervened. We gathered up-to-date market data, presented the bank with similar transactions from recent months, and had a direct conversation with the credit department. After several challenging weeks, we were able to change the decision, and the bank approved the financing as originally planned.
The client summed it up best: “On our own, we would have lost the property. Your team not only saved the deal – they also made sure we got better terms than we thought possible.”
The process begins with a review of basic financial data – income, existing liabilities, credit history and equity. The review can be completed quickly and easily with a short conversation with us or via a digital form.
Typically, approval in principle is received within a few business days of submitting all required documents. In simple cases, approval can be received within one day.
You don’t have to, but a professional mortgage advisor can save you time, money, and heartache – he checks eligibility, compares options, negotiates with the banks, and makes sure everything progresses in an orderly manner.
Absolutely. The total liabilities must be taken into account in relation to the amount of income and equity, but in many cases a customized solution can be found even when there are additional liabilities.
Our support includes: checking eligibility, choosing a suitable path, preparing the documents, submitting the application to the bank, negotiating the terms and supporting you until you actually receive the loan.
