Buying property in Bali as a resident or foreign buyer means working through Indonesian lenders, strict eligibility rules and documentation that varies by bank. A mortgage broker can compare lenders on your behalf, and the eleven firms below hold Google ratings between 4.0 and 5.0 across Denpasar, Sanur, Kerobokan, Tibubeneng and Mengwi. No broker in the data publishes fees, so cost details are quote on request across the board.
The list is ordered by rating, review volume and how clearly each firm’s service scope, location and opening hours can be verified. Some entries are securities houses or currency exchange businesses that also act as financing intermediaries, so confirm what each office actually offers before booking a meeting.
Key takeaways
- No broker in this list publishes fees or commission, so pricing for every firm is quote on request. Ask for a written fee breakdown before committing.
- PintarSaham.id is the top pick for most buyers, with a 5.0 Google rating across 207 reviews and a Denpasar office open Monday to Friday.
- Bali Home Immo Property (4.8 from 424 reviews) suits foreign buyers exploring north Badung, while Mirah Investment & Development (4.4 from 152 reviews) suits buyers focused on Kerobokan and Canggu.
- Most offices close on weekends. Only Bali Home Immo, Mirah, FIFGROUP (Saturday morning) and CX Currency Exchange offer any Saturday access, so book weekday appointments early.
- Ratings based on fewer than 20 reviews carry less weight. Ask any small-sample firm for recent client references before sharing documents.
How we ranked the best mortgage brokers in Bali
We weighed six criteria: Google rating, number of reviews, how clearly the service scope can be verified, location and accessibility, opening hours, and transparency about fees and lender access. A high rating from a large review sample ranked above a perfect rating from a handful of reviews. Businesses were left off if they were listed as closed on Google, had no verifiable address, had no website or phone, had fewer than 5 Google reviews, or were rated below 4.0.
Read the full method: how we rank.
Mortgage brokers in Bali compared
| Company | Best for | Pricing | Google rating |
|---|---|---|---|
| PintarSaham.id | Lender comparison for south Denpasar residents | Quote on request | 5.0/5 (207 reviews) |
| Bali Home Immo Property – Head Office | Foreign buyers in north Badung | Quote on request | 4.8/5 (424 reviews) |
| CGS International Sekuritas Indonesia Cabang Denpasar | Buyers who want a securities group behind their broker | Quote on request | 5.0/5 (18 reviews) |
| Trimegah Sekuritas Denpasar | Central Denpasar buyers wanting an established group | Quote on request | 5.0/5 (9 reviews) |
| CX Currency Exchange (BUMBAK DAUH) | Long hours and currency exchange alongside financing | Quote on request | 5.0/5 (9 reviews) |
| Galery Edukasi IBF | Buyers who want financial education first | Quote on request | 4.8/5 (17 reviews) |
| Firstalindo | Sanur residents and expatriates | Quote on request | 4.6/5 (46 reviews) |
| Mirah Investment & Development – Head Office | Kerobokan and Canggu property investors | Quote on request | 4.4/5 (152 reviews) |
| FIFGROUP – Buduk | Mengwi and Badung residents needing Saturday access | Quote on request | 4.7/5 (13 reviews) |
| Mirae Asset Sekuritas Indonesia Bali | Panjer and Denpasar Selatan consultations | Quote on request | 4.6/5 (14 reviews) |
| PT. Kontakperkasa Futures | Bali | Buyers who value a large review base and direct phone contact | Quote on request | 4.0/5 (227 reviews) |
1. PintarSaham.id: best for lender comparison in south Denpasar
PintarSaham.id is a mortgage broker at Tukad Unda St No.6 in Sumerta Kelod, Denpasar Selatan. It holds a 5.0 Google rating from 207 reviews, the largest review sample of any perfect-rated firm in this list. That volume makes the score a more reliable signal than the 5.0 ratings held by firms with fewer than 20 reviews.
As a broker, it can present comparisons across multiple lenders rather than pushing a single loan product. The office is open Monday to Friday, 8.00am to 5.00pm, which suits residents of south Denpasar who can visit during the working week.
Buyers who need weekend appointments should look elsewhere, as the office is closed on Saturday and Sunday. The Google profile also lists no phone number and the directory has no published lender panel, so ask for the list of partner banks at the first meeting.
Pros
- Consistent 5.0/5 Google rating across 207 reviews
- Located in Sumerta Kelod, convenient for residents of south Denpasar
- Broker model gives access to comparisons across multiple lenders
Cons
- No phone number listed on the Google profile
- No published service list or lender panel details
- Office closed on weekends
Best for: Denpasar residents who want to compare several lenders through a highly reviewed broker
Pricing: Quote on request
Website: pintarsaham.id
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
2. Bali Home Immo Property – Head Office: best for foreign buyers in north Badung
Bali Home Immo Property operates from Jl. Pantai Berawa No.18 in Tibubeneng, Kuta Utara, and helps foreign buyers finance Bali property. Its 4.8/5 rating comes from 424 Google reviews, the biggest review base in this list.
The office opens Monday to Saturday, 8.30am to 5.30pm, giving more weekend flexibility than most brokers here. The broker model lets you compare several lenders rather than a single loan product, and the Berawa location suits buyers already viewing properties around Canggu and north Badung.
Foreign buyers should expect lender approval timelines and eligibility rules to vary and sometimes run long. The Google profile carries no business description, so confirm the exact service scope directly with the firm.
Pros
- 4.8/5 Google rating across 424 reviews
- Open Monday to Saturday
- Broker model allows comparison of multiple lenders
Cons
- No Google business description, so service scope must be confirmed directly
- Approval timelines and foreign buyer eligibility depend on lenders and can be lengthy or uncertain
Best for: Foreign buyers financing property in Canggu, Berawa and north Badung
Pricing: Quote on request
Website: bali-home-immo.com
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
3. CGS International Sekuritas Indonesia Cabang Denpasar: best for buyers who want a securities group behind their broker
This is the Denpasar branch of CGS International’s securities and investment business, at Jl. Teuku Umar Barat No.341B in Padangsambian. It offers financing guidance on property purchases and compares multiple lenders rather than offering a single in-house loan. Its 5.0/5 Google rating comes from 18 reviews.
Backing from the wider CGS International group may reassure buyers who prefer an institutional name. The central Denpasar location is accessible for Bali residents, with weekday hours of 9.00am to 4.00pm.
The review sample is small, so the perfect score carries less weight than the larger samples above. No fee or commission structure is published and specialist investment property expertise is not documented, so investors should ask for relevant case experience.
Pros
- Perfect 5.0/5 rating from 18 Google reviews
- Compares multiple lenders rather than a single in-house loan
- Backed by the wider CGS International securities group
- Central Denpasar location in Padangsambian
Cons
- Small review sample limits the weight of the rating
- Weekday-only hours that close by 4.00pm
- No published fee structure or commission details
- Specialist investment property expertise not documented
Best for: Residents who want financing guidance from a securities group in central Denpasar
Pricing: Quote on request
Website: cgsi.co.id
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
4. Trimegah Sekuritas Denpasar: best for central Denpasar buyers wanting an established group
Trimegah Sekuritas Denpasar sits on the second floor of Gedung Indovision, Jl. Diponegoro No.109, Dauh Puri Klod. It is rated 5.0/5 across 9 Google reviews and gives access to multiple lenders through broker arrangements.
The office is affiliated with the Trimegah group, an established Indonesian financial services name, and opens Monday to Friday, 8.30am to 5.00pm. The central address suits buyers based in Denpasar who want to meet in person.
Nine reviews is a thin evidence base, so treat the perfect score cautiously. The office is closed on weekends and has no Google description, so clients with fixed weekday commitments or specific needs should check scope by phone or email first.
Pros
- 5.0/5 Google rating across 9 reviews
- Central Denpasar location with access to multiple lenders
- Affiliated with the Trimegah group
Cons
- Small number of Google reviews limits the weight of the rating
- Closed on weekends
- No Google description, so service scope must be confirmed directly
Best for: Central Denpasar buyers who prefer a broker linked to an established financial group
Pricing: Quote on request
Website: trimegah.com
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
5. CX Currency Exchange (BUMBAK DAUH): best for long hours and currency exchange alongside financing
CX Currency Exchange, operated by PT Bali Primadana Gemilang, combines currency exchange with mortgage brokerage at Jl. Bumbak Dauh No.88 in Kerobokan. It holds a 5.0/5 Google rating from 9 reviews.
Its hours are the longest in this list: 7.00am to 10.00pm Monday to Thursday and Saturday to Sunday, and open 24 hours on Friday. That helps buyers who need to arrange funds transfers or currency exchange outside office hours while discussing financing.
The mortgage side may be introductory rather than full lending, and the Google listing carries no description of it. Buyers who need a detailed lender comparison should confirm what is on offer before relying on this office alone.
Pros
- Perfect 5.0/5 rating from Google reviews
- Open seven days a week, 24 hours on Friday
- Part of an established currency exchange network with a clear operating entity
Cons
- Only 9 Google reviews, so the rating reflects a small sample
- No Google description, so mortgage scope is unclear
- Mortgage services may be introductory rather than full lending
Best for: Buyers in Kerobokan who want evening or weekend access and currency exchange in the same place
Pricing: Quote on request
Website: currencyexchange.co.id
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
6. Galery Edukasi IBF: best for buyers who want financial education first
Galery Edukasi IBF combines mortgage brokerage with financial education at Jl. Teuku Umar No.18, Dauh Puri Klod, Denpasar. It is rated 4.8/5 across 17 Google reviews and publishes clear opening hours, Monday to Thursday 9.00am to 6.00pm and Friday 9.00am to 6.30pm.
The central Denpasar address is easy to reach, and the later closing time suits clients who finish work in the afternoon. Buyers who are new to Indonesian property finance may value the education angle, though the data does not describe the courses or advice in detail.
No website or online application portal is listed, and the Google profile has no description. Anyone who wants to research products online before calling should look at firms with a published site.
Pros
- 4.8/5 Google rating from 17 reviews
- Central address in Dauh Puri Klod, Denpasar
- Clear opening hours with extended Friday hours
Cons
- No website or online application portal listed
- No Google description, so service details must be confirmed directly
- Small review count limits the strength of the rating
Best for: First-time buyers who want guidance on financing before choosing a lender
Pricing: Quote on request
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
7. Firstalindo: best for Sanur residents and expatriates
Firstalindo is a mortgage broker on Jl. Bypass Ngurah Rai No.138 in Sanur, serving Bali residents and expatriates. It holds a 4.6/5 Google rating from 46 reviews, a mid-sized sample that gives a reasonable picture of client experience.
It acts as a broker, so it can present options across several lenders. Office hours are Monday to Friday, 8.30am to 5.30pm, and the Bypass Ngurah Rai address is easy to reach for people living in Sanur and the surrounding south-east.
No website or product list is published, and fees and loan terms vary by lender. Buyers who can only attend on weekends should look at Bali Home Immo or Mirah.
Pros
- 4.6/5 Google rating from 46 reviews
- Located in Sanur with clear weekday office hours
- Broker model can present options across several lenders
Cons
- No website or published product list in the directory listing
- Closed on weekends
- Fees and loan terms are not public and vary by lender
Best for: Sanur-based residents and expatriates comparing mortgage options
Pricing: Quote on request
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
8. Mirah Investment & Development – Head Office: best for Kerobokan and Canggu property investors
Mirah Investment & Development runs mortgage brokerage and property investment support from its head office at Jl. Raya Anyar No.24, Kerobokan. Its 4.4/5 rating across 152 Google reviews is a meaningful sample, though the score is lower than the top five.
The firm compares multiple lending options, which helps buyers unfamiliar with Indonesian mortgage rules. It is open Monday to Saturday, 9.00am to 5.00pm, and the Kerobokan location is convenient for buyers looking at north Kuta and Canggu.
The Google listing has no description, and the fee structure and lender panel are not detailed in the available information. Buyers who can only visit on Sundays will find the office closed.
Pros
- 4.4/5 Google rating from 152 reviews
- Kerobokan head office convenient for north Kuta and Canggu
- Compares multiple lending options
Cons
- No Google business description
- Closed on Sundays
- Fee structure and lender panel not publicly detailed
Best for: Buyers and investors focused on Kerobokan, Canggu and north Kuta
Pricing: Quote on request
Website: mirahdevelopments.com
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
9. FIFGROUP – Buduk: best for Mengwi and Badung residents needing Saturday access
FIFGROUP – Buduk is a financing office at Jl. Raya Abianbase No.127B in Mengwi, Badung. It is rated 4.7/5 across 13 Google reviews and is one of the few offices here open on Saturday morning (8.00am to 12.00pm), alongside weekday hours of 8.00am to 3.00pm.
The local office suits Mengwi and wider Badung residents who prefer not to travel into central Denpasar. The Saturday slot helps clients who cannot take time off during the week.
With 13 reviews the rating rests on a small sample, and no website is listed, so product details and fees are not available online. Weekday hours end at 3.00pm, which may not work for people finishing work later.
Pros
- 4.7/5 Google rating from 13 reviews
- Local office in Abianbase for Mengwi and Badung residents
- Saturday morning availability
Cons
- Small number of reviews limits the depth of public feedback
- No website, so product details and fees are not available online
- Weekday hours end at 3.00pm
Best for: Mengwi and Badung residents who need a Saturday appointment
Pricing: Quote on request
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
10. Mirae Asset Sekuritas Indonesia Bali: best for Panjer and Denpasar Selatan consultations
Mirae Asset Sekuritas Indonesia Bali is a mortgage broker at Jl. Cut Nyak Dien No.10 in Panjer, Denpasar. It holds a 4.6/5 Google rating from 14 reviews and offers a physical office for in-person consultations, Monday to Friday, 9.00am to 6.00pm.
The broker model allows comparison of multiple lenders rather than a single bank. The 6.00pm weekday close is later than most offices here, which helps clients who finish work in the late afternoon.
The office is closed on weekends and the review sample of 14 is small. The Google profile carries no description, so service details should be confirmed directly before booking.
Pros
- 4.6/5 Google rating from 14 reviews
- Physical office in Panjer for in-person consultations
- Broker model allows comparison of multiple lenders
Cons
- Closed on weekends
- Review sample of 14 is small
- No Google description, so service details must be confirmed directly
Best for: Panjer and Denpasar Selatan residents wanting in-person lender comparison until 6.00pm
Pricing: Quote on request
Website: miraeasset.co.id
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
11. PT. Kontakperkasa Futures | Bali: best for buyers who value a large review base and direct phone contact
PT. Kontakperkasa Futures | Bali is a mortgage brokerage on Jl. P.B. Sudirman in Dauh Puri Klod, central Denpasar. Its 4.0/5 Google rating across 227 reviews is the lowest score on this list, though the review count is among the highest.
The broker model allows comparison of loan products from multiple lenders, and a direct phone line and website are available for enquiries. The office is open Monday to Friday, 8.00am to 5.00pm, for in-person consultations.
Buyers who prioritise the strongest possible rating should look at the firms above. The Google listing has no description, the office is closed on weekends, and specific lender partnerships, fees and loan terms are not public.
Pros
- 4.0/5 Google rating across 227 reviews, indicating substantial client feedback
- Broker model allows comparison of loan products from multiple lenders
- Central Denpasar location with weekday hours
- Direct phone line and website available
Cons
- No Google description, so service scope must be confirmed directly
- Closed on weekends
- Lender partnerships, fees and loan terms are not publicly listed
Best for: Central Denpasar buyers who want a phone-accessible broker with a large review history
Pricing: Quote on request
Website: kontakperkasa-futuresbali.com
Google Maps: See reviews and directions
Full listing: View on bestinbali.co
How to choose the right mortgage broker in Bali
Start with eligibility. Ask whether the broker works with lenders that accept your residency status, and what the rules are for foreign buyers. Approval timelines and criteria depend on the lender, so a broker should be able to explain which banks suit your situation before you share documents.
Ask for the lender panel in writing. A broker that compares several lenders should name them. If the firm cannot say which banks it works with, treat the comparison claim with caution.
Clarify how the broker is paid. No firm in this list publishes fees or commission, so ask whether you pay a fee, whether the lender pays commission, and whether anything is due if the loan does not complete.
Weigh the review count alongside the rating. A 4.4 from 152 reviews says more than a 5.0 from 9. For small-sample firms, ask for recent client references.
Check practicalities. Confirm opening hours, whether meetings can be held online, and which documents you will need to prepare, such as identification, proof of income and property details.
How much does a mortgage broker in Bali cost?
None of the eleven firms publish their fees, so cost is quote on request. Brokers may be paid through a client fee, lender commission or both, so ask each firm to confirm its charges in writing before you proceed.
How long does a mortgage application take in Bali?
Timelines depend on the lender and your documentation, and the data does not give fixed figures. Foreign buyers in particular can face lengthy or uncertain approval periods, so ask the broker for an expected timeline for your specific lender.
Can foreign buyers get a mortgage in Bali?
Eligibility for foreign buyers depends on the lender and your residency status. Bali Home Immo Property specifically helps foreign buyers finance Bali property, and Firstalindo serves expatriates. Confirm eligibility with any broker before paying fees or submitting documents.
Which mortgage brokers in Bali are open on Saturdays?
Bali Home Immo Property (8.30am to 5.30pm), Mirah Investment & Development (9.00am to 5.00pm), FIFGROUP – Buduk (8.00am to 12.00pm) and CX Currency Exchange (7.00am to 10.00pm) have Saturday hours. The other firms in this list close on Saturday and Sunday.
What is the difference between a mortgage broker and a bank in Bali?
A bank offers its own loan products, while a broker compares options across several lenders and helps you apply. Several firms here, including PintarSaham.id, Bali Home Immo and Mirah, describe a broker model. Confirm which lenders each broker can actually access.
PintarSaham.id is the top pick for most buyers, combining a 5.0 rating with 207 reviews. Bali Home Immo Property suits foreign buyers in north Badung, Mirah Investment & Development suits Kerobokan and Canggu investors, and Firstalindo serves Sanur residents and expatriates. FIFGROUP – Buduk is the option for Mengwi residents who need Saturday morning access, and CX Currency Exchange covers buyers who need extended hours. Ask every firm for a written fee breakdown and lender list before you commit.
