Mortgage Advice Indonesia

Welcome to Indonesia’s very first mortgage brokerage, the first company in the country to offer whole of market mortgage advice.

Interesting Facts About LMG Mortgage Solutions

Lets Move Group is pleased to provide the first mortgage brokerage services in Indonesia! Our experienced team of financial experts has helped hundreds of people collectively and has provided property financing options both in Indonesia and internationally.

With Lets Move Group, we will compare different lenders and provide you with the best deal for interest rates and the risk-free repayment terms to save you time, and money and get the best mortgage deal for your needs.

Our services are completely free as we profit from the referral broker fees when we refer customers to the banks, therefore it is worth to note that all the information and services we provide to you are completely FREE.

Save Money

Complete Services

Free Consultation

Expert Advisors

Secured Lending

Higher Approval Rating

Find the Best Interest Rate for Your Mortgage Scheme

Compare mortgage interest rates and other loans from various leading banks and find the best scheme for your property financing.

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Mortgage Calculator

Use the Lets Move Group mortgage calculator to see the estimated value of your potential dream home and how much you can borrow!

Kalkulator KPR Terbaru

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Lets Move Group Mortgage Services

Use the Lets Move Group mortgage calculator to see the estimated value of your potential dream home and how much you can borrow!

Plan for your future in Indonesia. Apply for home instalments easily and find low-interest schemes to take the first step to owning your dream home!

Get your dream house with our New Mortgage consultation. Flexible, fast mortgage payments to suit your needs. Reach the future with us!

Easily renew your home instalments. Save money with competitive interest rates. We are here to help you revitalize home ownership.

Smart investment with home instalments. Property for rent? We are ready to help you find passive income from your property.

Do you consider buying home in Indonesia? No problem, we understand your needs as an expat. Get hassle-free home instalments with us.

Get your dream property in Indonesia with affordable instalments. Our experts provide Mortgage (KPR) solutions that suit your needs.

Enhance your business with the right legal entity in Indonesia. Our professionals are ready to help you take the first step to success.

Explore a new business landscape with Lets Move Group through Company Mortgage. Access the best solutions for your commercial asset needs.

Doubt your steps? Get mortgage advice from our professional consultants. Smart choice for your financial future.

Mortgage Credit for Expatriates

Not many people are aware that there are several banks in Indonesia that provide mortgage for expatriates without the need of a diaspora marital. Please note, that only a few selected banks offer this facility. To find out which one, please contact Lets Move Group and we will be happy to provide you with a free consultation.

*Please note that requirements may vary and available products may change periodically.

About Us

Lets Move Group was founded in 2016 in Jakarta by a British expatriate Gary Joy, a former Real Estate Consultant and Mortgage Advisor from the UK. Lets Move Group is Indonesia's most renowned expat agency providing the most ethical, leading and complete expat services in the country.

Lets Move Group offers a wide range of services in Jakarta and Bali which include: real estate sales and leasing, immigration services, market entry solutions, relocation services, legal, tax & accounting services and in 2023 – the first and most comprehensive market mortgage advisory services. Lets Move Group is an agency that consistently leads with initiative and transparency and has been awarded the title of Best Visa and Business Consultant in Indonesia consecutively in 2021 and 2022.

With over 17 years of mortgage experience serving expats and Indonesians both locally and internationally, Gary Joy is one of the most knowledgeable mortgage brokers and is the man behind the introduction of end-to-end mortgage solutions to Indonesia.

To find out more about why Lets Move Group is a leading agency in the Indonesian market, check out our about us page here!

Our Consultants

Gary Joy is a certified Financial Advisor, holding the University of Cambridge Ce-Map qualification from the United Kingdom. Gary gained his finance qualification in 2006 and has successfully helped hundreds of clients with their mortgage and property finance needs over the last 17 years. As the founder of Lets Move Group, Gary is an expatriate with extensive knowledge in real estate, property financing, immigration and legal services in Indonesia.
Ananda graduated from Brawijaya University Malang and brings her expertise in finance and banking to the table. Armed with the knowledge gained from his studies and honed through his experience as a KPR Consultant at OCBC Bank, she is passionate about empowering clients with efficient solutions. She has helped hundreds of individuals navigate the property purchase process, guiding them towards secure and streamlined transactions.
Charles is Lets Move Group’s mortgage consultant. He graduated from UPN Veteran Yogyakarta Bringing with him a track record from his previous role at CIMB Niaga, Charles excels in various mortgage areas, including Takeover, Secondary Home, Top Up, Refinancing, and Primary Mortgage. More than just a consultant, Charles is dedicated to guiding through handling each transaction with efficiency and ensuring a smooth and stress-free experience for you.
With a proven track record in Customer Relations at Permata Bank, Irvan excels in navigating the complexities of understanding mortgage policies, ensuring a smooth and efficient mortgage experience for you. He leverages his in-depth knowledge of the mortgage landscape to tailor solutions that meet your personalized needs and aspirations. Irvan is here to guide you through your journey to get your dream property in Indonesia.

Get the Best KPR Products!

Get the best offer for your dream home with Lets Move Group, the best mortgage consultant in Indonesia!

Get the Best KPA Products!

Own apartments in Jakarta & Bali at the best prices together
Lets Move Group, the best KPA consultant in Indonesia!

Our Branch Locations

We have 4 branch offices in Jakarta & Bali. Visit our branches in Jakarta, Seminyak, or Canggu for a face-to-face consultation. Please make sure you have made an appointment before visiting. Visit the Contact Us page or contact us via the numbers listed.

Frequently Asked Questions

KPR, short for Home Ownership Credit, is a loan facility provided by banks or financial institutions to individuals to buy or own a house. A mortgage allows a borrower to pay the price of a home in installments with monthly payments, including interest, over a specified period.

The interest rate is an additional fee that must be paid by the borrower to the bank in return for the loan provided. There are two general types of interest rates in mortgages, namely fixed interest rates and floating interest rates. Fixed interest rates do not change over a certain period of time, while floating interest rates can change according to market fluctuations.

Collateral in buying a house via installments, which is also known as Mortgage (Home Ownership Credit) in Indonesia, is an asset or property that is used as collateral or security guarantee for a mortgage loan.

The majority of Indonesian citizens, including expatriates living in Indonesia, can apply for a KPR. However, terms and conditions may vary between banks and financial institutions. There are several banks that specifically offer mortgages for expatriates.

"Down payment" is the amount of money that must be paid by the borrower when purchasing property using a mortgage. Usually expressed as a percentage of the property price. This down payment is part of the total price of the home and the borrower must pay it before the mortgage is approved.

Take Over Mortgage Credit in Indonesia is the process of transferring home ownership credit from one bank to another at a new interest rate.

The interest rate is an additional fee that must be paid by the borrower to the bank in return for the loan provided. There are two general types of interest rates in mortgages, namely fixed interest rates and floating interest rates. Fixed interest rates do not change over a certain period of time, while floating interest rates can change according to market fluctuations.

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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%)

Requirements

  • 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

*Disclaimer