Turkey Mortgage Saudi Turkey Mortgage Saudi

A home loan under the Turkish sun!

Clear answers for residents of Saudi Arabia who want to know how to pay for a home in Turkey.

More informationStart the mortgage scan
Service in Arabic and English
More than 15 collaborating partners
Over 25 years of experience

Who is this site for?

Most of the messages we receive from Saudi Arabia start from one of four situations. Each has its own guide, written for that situation and for your position in the Kingdom.

Summer home buyers

You have spent your summers in Istanbul, Trabzon, Bursa or Yalova for years and have started looking at the listings. Before you pay a deposit, you want to know how a purchase actually goes through the Turkish land registry and what it costs beyond the price.

Read the buying guide →

Buyers using their own money

You have savings or can take personal financing from your bank in Saudi Arabia. Because borrowing in lira is expensive, this is the route most Gulf buyers take. You want to know how far your riyals go once the fees and the exchange rate are counted, and what participation banks in Turkey offer.

Read the financing guide →

Residence through property

You want to spend more than 90 days a year in Turkey. A home can support a short-term residence permit application, but not in every neighbourhood and not below a certain value. And Turkish citizenship has a side that concerns the Saudi Nationality Law, which you should know about before you start dreaming of it.

Read the residence guide →

Investors and landlords

You intend to let the property, to holidaymakers or long term. Tourist letting now needs a licence in Turkey, and rent is taxed there even though there is no income tax in Saudi Arabia. The numbers only add up once you know these rules first.

Read the letting guide →
Kaş on the Turkish Riviera with its marina and bay

How does a buyer from Saudi Arabia finance a property in Turkey?

A Saudi national can buy a home in Turkey in their own name and register it at the land registry, the Tapu office. The purchase itself is a well-trodden path: Saudis are among the ten nationalities that buy most in Turkey, and the Kingdom ranked ninth in 2025 with around 620 homes. The financing takes more thought, because Turkey has its own currency and an interest rate far above anything you know from the banks in the Kingdom.

Turkey Mortgage Saudi helps you line up the realistic routes before you commit. We look at the whole picture, from your savings and personal financing from your bank in Saudi Arabia to participation financing from a bank in Turkey, or a combination, and connect you with the right specialist there.

Figures last checked: .

About usContact us
Holiday villa with a pool in Kalkan

Why borrowing in lira is rarely worth it

Turkish banks lend to individuals in lira. The Turkish central bank has held its policy rate at 37 percent since January 2026, and market sources put housing loans for foreigners at around 40 percent a year. Even the participation banks that work with murabaha were advertising monthly profit rates between 2.7 and 3 percent in April 2026, roughly 32 to 36 percent a year. Non-residents are usually also asked to pay a large part of the price from their own money.

Anyone who earns in riyals and borrows in lira also carries exchange rate risk: one riyal bought 11.14 lira in October 2025 and 13.15 lira in October 2026. That is why most buyers from Saudi Arabia finance the purchase another way: from savings, from personal financing in the Kingdom, or a combination of the two. We go through the routes with you without promising anything: every financing remains subject to the lender's assessment.

Read the financing guideDiscuss your route
View over Alanya with the harbour, the bay and the Taurus mountains

Count the purchase costs, not just the asking price

The largest item is the title transfer fee at the land registry, the "tapu harcı": 4 percent of the declared value, split by law as 2 percent for the buyer and 2 percent for the seller. In practice the buyer often carries the whole amount. The declared value may not be lower than the municipal value of the property.

Add a sworn translator at the transfer if you do not speak Turkish, the compulsory "DASK" earthquake insurance, the lawyer's fees and possibly a valuation report. Since 2022 the foreign currency you bring must also be sold to a Turkish bank, which issues the currency purchase certificate the land registry asks for. All of these costs come out of your own money. Count them from the start, or you will have to lower your search range later.

Frequently asked questionsDiscuss your plans
Fishing boats in the old harbour of Antalya

Guidance beyond the financing

A purchase in Turkey involves the estate agent, the lawyer, the sworn translator, the bank, the insurer and the land registry. The registry checks, among other things, that the plot lies outside military forbidden zones and security zones, and the title deed, the tapu, only passes into your name once the transfer fee has been paid. The Saudi embassy in Ankara has warned before about incomplete or encumbered title deeds and delayed handovers, especially in Istanbul and Trabzon.

Our cross-border network works in Arabic and English and helps you coordinate the right professionals, so that language and paperwork do not become the reason a sound deal stalls.

  • Feasibility of the financing route you choose;
  • Coordination of the purchase process and the documents;
  • Introductions to a lawyer, accountant or insurer in Turkey when needed;
  • Contact with agents and advisers on the ground;
  • Practical guidance for non-resident buyers.
Meet the teamCheck my options
Infinity pool overlooking the hills near Kaş

Guidance for buyers from Saudi Arabia in Istanbul, Trabzon, Bursa and everywhere in between

Istanbul alone accounted for 7,989 of the 21,534 homes sold to foreigners in Turkey in 2025, Yalova ranked fifth among the provinces, and Bursa, Sakarya (Sapanca) and Trabzon were in the top ten. This is the Gulf buyer's map: green landscapes, lakes and a mild summer climate, away from the Antalya coast that Europeans prefer. Turkey is earthquake country, so the year of construction, the structural condition and the property's permits deserve attention before you sign.

If you are thinking of staying longer, check for each address whether the neighbourhood is open to registering new foreign residents. We help buyers from Saudi Arabia across Turkey compare what they can raise, their own contribution, the purchase costs and the timeline before paying a deposit.

About residence and propertyReview my plans
Tijmen Box
Tijmen
Box
Bas Terpstra
Bas
Terpstra
Selma Khudeir
Selma
Khudeir

Hello!

A close-knit team that listens first, explains the cross-border purchase in plain language and brings in the right expertise in Turkey. We work from the Netherlands at hours that suit the Gulf, and Selma can speak with you in Arabic.

Frequently asked questionsContact the team
  • 100+people choose us every month
  • 5permanent team members
  • 10+specialists in our network
  • 15+collaborating partners

And we are still growing. More about us

Our network and collaborating partners:

Connect Houses Global Prospect Network Auxilia Finance De Hypotheekshop Drachten Muñoz Property Management Ruth de Jong Real Estate Totays Max Finance

Guidance through the whole purchase

Need more than a mortgage?

We help you with the finance. Would you also like help with searching, viewing and completing the purchase? Through Property Guidance Network we connect you with a PGN-certified specialist who lives and works in Turkey.

View the specialists for TurkeyWhat PGN-certified means

The Turkey mortgage scan

Map out your budget in riyals, your financing routes and your next steps before you pay a deposit.

Start my mortgage scan

Client experiences

What buyers value most: a clear order of steps, an honest picture of what is possible, and guidance in their own language.

"Bas helped us a great deal. He answers messages and questions amazingly fast, even outside normal office hours."
JasperGoogle review, translated from Dutch
★★★★★
"From the start of the process to the end, Bas looked after us exceptionally well. Communication was remarkably smooth, and even at moments when you think nobody is reading your message right now, you are surprised by a reply shortly after. Excellent!"
Stanny de la RuelleGoogle review, translated from Dutch
★★★★★
"Jeroen kept us informed almost daily. Capable and precise, and he always makes sure we are comfortable. Thank you Jeroen, next time we know where to find you."
Shirley van den BoschGoogle review, translated from Dutch
★★★★★
"We had read a lot ourselves but could no longer see which steps came first. After the call the route was finally clear."
Anonymous clientPlanning a purchase in Turkey
★★★★★
"The process was explained to us in simple language. We got an honest picture of what was possible and what still had to be arranged."
Anonymous clientSummer home buyer
★★★★★
"The mortgage scan showed that our search range had to come down a little. Exactly the clarity we needed before making an offer."
Anonymous clientCouple exploring the Turkish market
★★★★★

Our average rating is 5 stars on Google Reviews

The named reviews come from our Google profile. Other clients gave their feedback directly and preferred not to be named.

Questions buyers from Saudi Arabia ask about a home in Turkey

Borrowing in lira, the tapu transfer, the residence rules and the Saudi Nationality Law: unfamiliar ground. These answers are a starting point, not a financing decision and not personal legal or tax advice.

View over Alanya with the harbour, the bay and the Taurus mountains

What buyers from Saudi Arabia usually ask

All rates and prices mentioned are indicative, based on public sources from 2026, and never an offer. Every financing is subject to the lender's assessment of income, valuation and conditions. Turkey Mortgage Saudi is part of a Dutch company and is not a licensed financing provider in Saudi Arabia and not an estate agent.

Kaş on the Turkish Riviera with its marina and bayFishing boats in the old harbour of AntalyaHoliday villa with a pool in KalkanInfinity pool overlooking the hills near Kaş
Could this be your next view?

Start with financial clarity

Before you travel again or pay a deposit, it helps to map out what is possible, how much you need from your own money, and which financing route deserves a closer look.

Your first review identifies the likely sticking points, the documents that help, and the next specialist. It is not a financing offer or a personal recommendation, but it gives your search firmer ground.

+31 85 060 2920info@turkeymortgagesaudi.com