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    • Spring
      • video

        Finding the Flow from Kansai to Kochi

        Shikoku’s many mountains, valleys and proximity to the ocean has made it a hidden gem for rafting, kayaking and canyoning enthusiasts willing to take a step or two further from the Golden Route of Kyoto and Osaka.

        Solace and Giant Salamanders in Akiota

        Just beyond Hiroshima City is a tranquil outdoor destination home to some of Japan's last remaining oosanshouo, the elusive giant salamander.
        Kyoto Oni Trail Outdoor Japanvideo

        The Oni Trail: Hiking Coastal Kyoto

        The mystical oni is prevalent in Japanese children’s stories, usually as a way to scare kids straight. Adventure Travel Kyoto is shedding a new light on this folklore and developing a new hiking route in the countryside of Kyoto.
    • Summer
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        The World is Our Playground

        The Pasche family has been cycling and living out of a tent in remote corners of the planet for the past 13 years on four continents spanning 50 countries.
        adventure travel world summit in hokkaido

        Adventure Travel World Summit in Hokkaido

        The ATTA will host their first Adventure Travel World Summit in Asia in Hokkaido, Japan. We caught up with ATTA Director Shannon Stowell to find out more about the adventure travel industry and how it continues to grow and evolve.
        mead brewing in japan

        The Sweet Secrets of Brewing Mead

        Wander into the world of mead brewing and find yourself immersed in a fascinating journey spanning centuries and continents.
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        The Knights in White Lycra

        Each year a group of cyclists head to the deep north towards Tohoku’s vast rice fields and coastal trails to help transform the lives of neglected children.
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        Sea to Table in Yamagata

        An unforgettable way to intimately explore the Shonai Region in Yamagata is a culinary experience bringing bounty of the sea straight to your table.
    • Autumn
    • Winter
      • camp3 clubhouse madarao keith stubbs outdoor japanvideo

        CAMP3 Clubhouse in Madarao

        Keith Stubbs, a veteran in the snowboard industry, transitioned from rider to coach and instructor trainer for Snowboard Instruction New Zealand. After coaching in various Japanese resorts, he has established a permanent base in Madarao, outlining his plans for the area and future snowboard endeavors.
        shiretoko hokkaido outdoor japan

        New Horizons in Shiretoko

        During another epic powder season, two seasoned winter sports enthusiasts traded their snowboard bags for camera bags and traveled to Eastern Hokkaido to explore the frozen landscape and broaden their winter horizons.
        sayuri matsuhashi double role curling athlete japan outdoor

        Silent Resilience

        Curling athlete Sayuri Matsuhashi’s journey to the top of her sport is an inspiration to deaf athletes and women juggling their roles as mothers while also pursuing their professional dreams.
        ainu tour daniel moore outdoor japan hokkaido

        Heritage Hunting in Hokkaido

        Travelers venturing beyond Hokkaido's popular winter resorts will discover a land with a rich cultural and natural history, a proud indigenous people and a community striving to preserve their heritage.
        shizukuishi skiing snowboarding outdoor japan

        Shizukuishi

        Northern Honshu’s Iwate Prefecture, known for heavy snowfall, features Shizukuishi—a powder-rich resort area with views of Mt. Iwate. Snow enthusiasts seeking lesser-known gems can enjoy exceptional snow quality and uncrowded resorts, including Shizukuishi Ski Resort, Amihari Onsen Ski Resort, and Iwate Kogen Snow Park, offering affordability and traditional hospitality.
    • Near Tokyo
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        Getting Dirty in Japan

        “Getting Dirty in Japan” is about getting out of your comfort zone and into some exciting outdoor adventures and destinations in Japan.
    • Near Kyoto
      • Kumano’s Path Less Traveled

        A forgotten pilgrimage trail, ancient power spots and authentic rural communities are waiting to be explored this hiking season on the Iseji Trail. Stretch your legs and tickle your spirit to welcome the green season on one of the Kumano Kodo’s finest routes, minus the crowds.

        Protecting the Sacred Trees of Koya-san

        Within the misty mountains of Japan's Kii Peninsula, Koya-san (Mt. Koya), stands as a sacred realm of tranquility, history, and spiritual significance. This awe-inspiring mountain has been revered for centuries and is home to a unique collection of trees known as the rokuboku, or The Six Trees of Koya-san.
    • All Regions
    • Article Map
    • Ocean and Beach
      • getting dirty in japan

        Getting Dirty in Japan

        “Getting Dirty in Japan” is about getting out of your comfort zone and into some exciting outdoor adventures and destinations in Japan.
    • River and Lake
      • ainu tour daniel moore outdoor japan hokkaido

        Heritage Hunting in Hokka...

        Travelers venturing beyond Hokkaido's popular winter resorts will discover a land with a rich cultural and natural history, a proud indigenous people and a community striving to preserve their heritage.
        getting dirty in japan

        Getting Dirty in Japan

        “Getting Dirty in Japan” is about getting out of your comfort zone and into some exciting outdoor adventures and destinations in Japan.
    • Mountain and Land
    • Sky
      • getting dirty in japan

        Getting Dirty in Japan

        “Getting Dirty in Japan” is about getting out of your comfort zone and into some exciting outdoor adventures and destinations in Japan.
    • Snow and Ice
      • camp3 clubhouse madarao keith stubbs outdoor japanvideo

        CAMP3 Clubhouse in Madarao

        Keith Stubbs, a veteran in the snowboard industry, transitioned from rider to coach and instructor trainer for Snowboard Instruction New Zealand. After coaching in various Japanese resorts, he has established a permanent base in Madarao, outlining his plans for the area and future snowboard endeavors.
        shiretoko hokkaido outdoor japan

        New Horizons in Shiretoko

        During another epic powder season, two seasoned winter sports enthusiasts traded their snowboard bags for camera bags and traveled to Eastern Hokkaido to explore the frozen landscape and broaden their winter horizons.
        sayuri matsuhashi double role curling athlete japan outdoor

        Silent Resilience

        Curling athlete Sayuri Matsuhashi’s journey to the top of her sport is an inspiration to deaf athletes and women juggling their roles as mothers while also pursuing their professional dreams.
        shizukuishi skiing snowboarding outdoor japan

        Shizukuishi

        Northern Honshu’s Iwate Prefecture, known for heavy snowfall, features Shizukuishi—a powder-rich resort area with views of Mt. Iwate. Snow enthusiasts seeking lesser-known gems can enjoy exceptional snow quality and uncrowded resorts, including Shizukuishi Ski Resort, Amihari Onsen Ski Resort, and Iwate Kogen Snow Park, offering affordability and traditional hospitality.
        togari onsen outdoor japan

        Northern Shinshu’s Secret Stash

        A weak yen, revenge travel, and excellent ski conditions have led to high demand, booking out popular resorts like Hakuba and Nozawa Onsen this year. Fortunately, lesser-known gems like Togari Onsen, near Nozawa Onsen and Madarao, offer charming alternatives for powder seekers.
    • Travel
      • Okinawa’s Blue Zone —A Lifestyle for Longevity...

        Dan Buettner’s bestseller, “Blue Zones,” which was also adapted into a hit series on Netflix, identifies five regions with a high number of centenarians. One of these zones is Yambaru, in the north of Okinawa Island. A rich cultural and natural heritage remain in this region, holding the secret to the longevity of the communities living there.

        Kumano’s Path Less Traveled

        A forgotten pilgrimage trail, ancient power spots and authentic rural communities are waiting to be explored this hiking season on the Iseji Trail. Stretch your legs and tickle your spirit to welcome the green season on one of the Kumano Kodo’s finest routes, minus the crowds.

        Okinawa Forest Adventure

        Holiday-goers lounging on Onna’s white sand beaches are no doubt unaware of what’s going on high in the jungle as creatures climb above the forest canopy and zip or swing from tower to tower. Curious travelers will discover a new side of Okinawa’s tropical paradise if they take the leap into a Forest Adventure.

        Ryukyu’s Mountain Turtles – Interview wi...

        Okinawa attracts hordes of travelers to its sandy beaches and warm, clear water with divers and snorkelers often posting images of the majestic local sea turtles. The interior forest and rivers, however, are home to another Okinawa turtle also in need of protection—the small, reclusive, but equally beautiful, yamagame.
    • Food and Drinks
      • Okinawa’s Blue Zone —A Lifestyle for Longevity...

        Dan Buettner’s bestseller, “Blue Zones,” which was also adapted into a hit series on Netflix, identifies five regions with a high number of centenarians. One of these zones is Yambaru, in the north of Okinawa Island. A rich cultural and natural heritage remain in this region, holding the secret to the longevity of the communities living there.

        Kumano’s Path Less Traveled

        A forgotten pilgrimage trail, ancient power spots and authentic rural communities are waiting to be explored this hiking season on the Iseji Trail. Stretch your legs and tickle your spirit to welcome the green season on one of the Kumano Kodo’s finest routes, minus the crowds.

        Okinawa Forest Adventure

        Holiday-goers lounging on Onna’s white sand beaches are no doubt unaware of what’s going on high in the jungle as creatures climb above the forest canopy and zip or swing from tower to tower. Curious travelers will discover a new side of Okinawa’s tropical paradise if they take the leap into a Forest Adventure.

        Ryukyu’s Mountain Turtles – Interview wi...

        Okinawa attracts hordes of travelers to its sandy beaches and warm, clear water with divers and snorkelers often posting images of the majestic local sea turtles. The interior forest and rivers, however, are home to another Okinawa turtle also in need of protection—the small, reclusive, but equally beautiful, yamagame.
    • Races and Events
      • sayuri matsuhashi double role curling athlete japan outdoor

        Silent Resilience

        Curling athlete Sayuri Matsuhashi’s journey to the top of her sport is an inspiration to deaf athletes and women juggling their roles as mothers while also pursuing their professional dreams.

        Winter News and Notes

        Check out the latest news and winter events held at ski resorts all over Japan in 2024!
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        DD4D Brewing

        In nearly e...

Financing your Property

Obtaining a loan to finance your dream house has become easier over the past few years. Despite the market turmoil, several lenders are willing to make loans available to creditworthy individuals, even if they have permanent residency. These include National Australia Bank, Commonwealth Bank Australia, HSBC, Suruga Bank and Mizuho Bank.

Commonwealth Bank Australia is one of the more active of these lenders, especially for resort properties. The loan process can be taxing in the best of circumstances, but greatly simplified by hiring a mortgage broker.  

“I’m always happy to speak with prospective borrowers without any commitment to help them understand if it’s possible to get a loan for the property they wish to finance,” says Tony Collins of IFG Asia Mortgages. A broker will review your objectives and financial circumstances to match you with the most appropriate lender. The broker can also check with multiple lenders, saving you time and energy, since you won’t have to run around and do it yourself.  

It’s also a good idea to request a “pre-approval” before negotiating your purchase contract on a property. This will give you an idea of what amount you can borrow, and in which geographic areas a lender is willing to provide financing.

Resort areas such as Niseko, Karuizawa, Hakuba and Minakami are generally fair game, but property in Okinawa can be more difficult. A pre-approval will increase your bargaining leverage when negotiating your purchase price, as you will know both your financial resources and the timeline in which you will be able to close on the purchase.  

Preparing for the loan application process involves gathering key information so the lender can determine if you will be able to repay the loan in accordance with the initial repayment schedule.

Collect three years of tax returns, with details on all forms of recurring income (such as salary and bonuses). Prepare a table of your financial assets (bank deposits, CDs, stocks, bonds, etc.) and liabilities (mortgage loans, credit cards, automobile and student loans). Also bring along your CV to show your employment history.  

Be sure to consider the affordability factor when planning for your loan. Unexpected circumstances such as not getting a bonus, loss of a job or repatriation should all be considered. Evaluate local rental rates for similar properties in the area in which you’re contemplating your investment to see what type of rental income you might get, should you need to let the property.  

If the rental income comfortably covers your loan payment and property management expenses, you can remove one potential point of worry.  

For resort properties, lenders typically lend about 50% of the property valuation. Valuing property in resort areas can be more difficult than in urban areas, so collecting information on recent sales of similar properties is a good idea.   When purchasing used properties, lenders often look for assurance the property conforms to local building codes. Obtaining a copy of the proof of inspection (kakunin zumisho) is also strongly advised.

In addition to the purchase price, various costs related to the acquisition and financing typically add 8-10% to the total cost. Real estate brokerage is generally 3% (but in this market, you can likely negotiate this lower). Loan origination fees range from 0.50% to 2.0%.  

Other fees include the mortgage broker (if you use one), legal scrivener for mortgage registration and services, real estate transaction tax and property insurance. Some lenders will finance some of these costs as part of the loan, so be sure to inquire with your lender.

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Okinawa’s Blue Zone —A Li...

Dan Buettner’s bestseller, “Blue Zones,” which was also adapted into a hit series on Netflix, identifies five regions with a high number of centenarians. One of these zones is Yambaru, in the north of Okinawa Island. A rich cultural and natural heritage remain in this region, holding the secret to the longevity of the communities living there.

Kumano’s Path Less ...

A forgotten pilgrimage trail, ancient power spots and authentic rural communities are waiting to be explored this hiking season on the Iseji Trail. Stretch your legs and tickle your spirit to welcome the green season on one of the Kumano Kodo’s finest routes, minus the crowds.

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