Expat Mortgage

Mortgage Services

Overview of Mortgage Services for Expatriates (WNA) by Lets Move Group

If you are a foreign national living in Indonesia and planning to buy a property/house/apartment in the elite areas of Jakarta and Bali, you may have heard that applying for a KPR (Kredit Pemilikan Rumah) loan to buy property in Indonesia for expats is very difficult. However, this is not entirely the case. While it is indeed more complicated for foreigners to get a property loan than locals, the opportunity is there, it's just that the requirements are different and the number of lenders offering this service is more limited.

Many property developers offer short-term repayment plans that are difficult for some to access. However, with Lets Move Group's Expat Mortgage, we are proud to be the first platform in Indonesia to explicitly offer mortgage solutions for expats.

Benefits of Choosing Lets Move Group's Expat Mortgage Service

Lets Move Group has been running since 2016 and is recognised as a leader in services for expats in Indonesia through our expat news platform that emphasises ethics and transparency. No other agency is more dedicated to making Indonesia a safer place to live, holiday or do business than The Lets Move Group

Our journey began in 2016 when our founder, British expat Gary Joy, conceived the first agency in Indonesia to offer transparent pricing for all products. While Lets Move Group initially assisted foreigners in Jakarta with their real estate needs, over time we have grown to cover a wide range of services, including immigration, legal, company establishment, tax and accounting, and real estate sales and leasing. Today, we are proud to be the first mortgage brokerage service provider in Indonesia.

Gary was a property agent back in the UK and later became the youngest branch manager in South West England. Subsequently, he achieved his Ce-Map (Certificate in Mortgage Advice and Practice) certification from the University of Cambridge in 2006. With 17 years of work experience, Gary is leading the mortgage revolution in Indonesia.

Frequently Asked Questions

Fill out the consultation form or email us at [email protected].

Yes, there are, although the number is limited and may change over time. We will be happy to provide more information during the consultation.

If you are looking to buy a property to be leased out to your customers, consider opting for a Buy-to-Let Mortgage. This scheme allows you to gain profit from the residential property while installing for its ownership.

Firstly, our services are free and our team speaks fluent English. You don't have to pay for our time, consultation or advice. Secondly, we do the market research for you, saving you valuable time and energy. Next, we offer clear and transparent options to ensure you get the best deal. Finally, we help with the paperwork and guide the process. No other broker in Indonesia offers services like ours, because we're the first!

No other broker in Indonesia offers services like ours because we are the first!

Yes, that's right. We are paid by the bank through an official partnership, so you don't have to pay for our services. Our interest is in making sure your process runs smoothly and professionally.

Need more information about Home Ownership Credit? Check out some of our guides!

Popular Services

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Primary Property

Interest Rate

Floating Rate

Primary Mortage

Rate information

Interest rate is 4.7% fixed for the first 3 years, after that, the rate will move to a floating rate (currently 11%)


  • Permanent employee/self-employed for at least 1 year in the same company/total 2 years of work
  • Professional/Businessman working for at least 2 years in the same field
  • At least 18 years old or married

General Personal Requirements

  • Photocopy of husband’s / wife’s ID card (if married)
  • Photocopy of Family Card
  • Copy of Marriage Certificate (if married)
  • Photocopy of Tax ID Number of Applicant
  • Salary Slip / Certificate of Income for the last 1 month original
  • Photocopy of 3 months bank statements
  • Developer’s House Booking Letter / Broker’s Cover Letter