ARUHI review

The rate stays the same for 20 on the long fixed rate product. That is a long stretch for planning, since most lenders on the list fix for 10. Payments are easier to budget because the rate itself does not move during that period.

The maximum loan to value is 100%, so the whole property value is available. That is one of the strongest figures among the lenders compared, and it helps buyers who would otherwise put a large deposit down or accept a smaller mortgage.

The long fixed rate product carries a fee of ¥220,000. Set that against an initial rate of 2.14%, which sits under the 4.69% median. Early repayment charges are not part of the listed terms, so the fee is the main upfront cost here.

Yes. The purpose list covers purchase and remortgage, so the same fixed rate product handles both buying and switching an existing mortgage. Remortgaging is a common choice for anyone moving to a longer fixed period.

The lender holds a money lender registration from the Kanto Local Finance Bureau, listed as 貸金業者登録番号 関東財務局長(4)第01512号. The company behind the brand is SBI ARUHI Corporation, a Japanese business founded in 2000 and based in Japan.

Support runs on chat. There is no other channel listed, so a borrower who prefers the phone or email has fewer routes. Anyone who values phone help should weigh that before applying.

The brand is based in Japan and registered with a Japanese finance bureau. Nothing in its terms points to lending elsewhere, so people in other markets should treat it as a domestic product only.