Bali’s property market operates under a distinct set of rules that catches many buyers off guard. Foreign ownership restrictions, leasehold structures, nominee arrangements, and Indonesian banking regulations all create a complex environment where professional guidance is not optional — it is genuinely necessary. A qualified mortgage broker helps buyers understand what financing is actually available to them, whether they are an Indonesian citizen, a foreign national on a leasehold agreement, or a business entity purchasing commercial property.
The firms listed here were selected based on local presence in Bali, demonstrated knowledge of Indonesian property finance, availability for direct consultation, and where available, verified client ratings. Indonesia’s property finance sector includes both traditional mortgage brokers and sekuritas (securities) firms that provide financing and investment advisory services. Several companies in this list operate within the sekuritas space, which is regulated by Indonesia’s financial services authority, OJK. Ratings shown are drawn from Google Reviews and reflect real client feedback at the time of publication.
Whether you are buying a villa in Seminyak, a commercial property in Denpasar, or a leasehold plot in Ubud, the brokers below represent the available options for professional mortgage and property finance assistance across Bali in 2026.
1. Agung Broker Bali
Phone-based mortgage consultation for Bali property buyers
Agung Broker Bali offers mortgage broking services to buyers active in Bali’s property market, with consultation conducted primarily by phone. This makes them accessible for clients who are still overseas or based outside Denpasar and cannot easily attend in-person meetings.
The firm’s phone-first model suits buyers in the early stages of property research who want a preliminary understanding of their financing options before committing to site visits or agent appointments. No external website is publicly listed, so initial contact is made directly through their listing.
No public rating is currently available for Agung Broker Bali, which means prospective clients should request references or testimonials directly before engaging their services.
Pros
- Phone consultation model suits remote and overseas buyers
- Focused on Bali’s local property market
- Direct contact approach without a formal website barrier
Cons
- No public rating or reviews available
- No external website to assess credentials or services in advance
- Phone-only model may limit documentation and follow-up support
Best for: Overseas buyers wanting an initial phone consultation before committing to Bali property finance decisions
Full listing: View on Best in Bali
2. Bali Business Broker
Mortgage and property finance services for expats and local buyers in Bali
Bali Business Broker has built its service around the specific needs of both expatriate buyers and Indonesian locals purchasing property in Bali. The firm holds a 4.0/5 rating, reflecting a generally positive client experience across its property finance services.
The business operates with an understanding of the ownership structures common in Bali’s market, including leasehold agreements and the financing options available to foreign nationals. This focus on both expat and local clients positions them as a practical choice for mixed-nationality households or joint ventures.
Their external website provides additional context on services offered, and prospective clients can review their profile before making contact.
Pros
- Rated 4.0/5 based on verified client reviews
- Serves both expat and local Indonesian buyers
- External website available for pre-engagement research
Cons
- Rating is solid but not among the highest in this category
- Service scope for complex cross-border financing is not fully detailed publicly
Best for: Expatriates and local buyers seeking a broker familiar with Bali’s property ownership structures
Website: balibusinessbroker.com
Full listing: View on Best in Bali
3. PT. Kontakperkasa Futures Bali
Local mortgage broking with direct contact support in Bali
PT. Kontakperkasa Futures operates a Bali office providing mortgage broking services backed by local market knowledge. The firm carries a 4.0/5 rating and emphasises direct contact as a key part of its service delivery, which is particularly useful for clients who need responsive communication during a property transaction.
As a futures-registered entity, Kontakperkasa operates within a regulated framework under Indonesian financial authority oversight. Their Bali-specific presence means advisers are familiar with the local property market and the financing instruments available to buyers in the region.
Their external website provides further detail on services, and direct contact options are available for clients ready to begin a conversation.
Pros
- Rated 4.0/5 from client reviews
- Regulated entity operating under Indonesian financial authority
- Direct contact support available for active clients
Cons
- Primary focus is futures and securities, so pure mortgage broking may be a secondary service
- English-language support is not confirmed on their public channels
Best for: Buyers who want a regulated, locally based firm with direct adviser contact
Website: kontakperkasa-futuresbali.com
Full listing: View on Best in Bali
4. PT. Panin Sekuritas Tbk Cabang Bali
Regulated Indonesian securities firm providing mortgage services from a Bali branch
PT. Panin Sekuritas Tbk is a publicly listed, OJK-regulated Indonesian securities company with a dedicated Bali branch office. With a 4.0/5 rating, Panin Sekuritas brings the credibility of a nationally recognised financial institution to Bali’s property finance market.
For buyers who prefer working with a firm that has broader institutional backing and regulatory oversight, Panin Sekuritas offers a degree of confidence that smaller independent brokers cannot always match. Their Bali branch provides local accessibility while drawing on the resources of a larger organisation.
No external website specific to the Bali branch is publicly listed. Contact is best initiated through their listing profile or by visiting the Bali office directly.
Pros
- Rated 4.0/5 from verified reviews
- Publicly listed, OJK-regulated company with national presence
- Bali branch offers local access to an established institution
Cons
- No dedicated external website for the Bali branch
- Institutional focus may mean less flexibility for non-standard buyer profiles
Best for: Buyers who want the reassurance of a nationally regulated financial institution with a local Bali presence
Full listing: View on Best in Bali
5. Trimegah Sekuritas Asset Management
National Indonesian brokerage firm serving Bali’s property finance market
Trimegah Sekuritas is one of Indonesia’s established securities and asset management firms, and its Bali operation carries a maximum 5.0/5 rating from client reviews. The firm’s national standing gives it access to a broad range of financial products that can support property buyers in Bali.
While Trimegah’s primary identity is as a securities and asset management business, its Bali presence extends to mortgage-related financing services. Clients benefit from working with a firm that has robust institutional infrastructure and a track record in Indonesian financial markets.
Their external website is available in Indonesian, which should be noted by non-Indonesian-speaking clients who may require translation support or an English-speaking adviser.
Pros
- Rated 5.0/5 from client reviews
- Established national firm with institutional resources
- OJK-regulated with a verifiable track record
Cons
- Website is primarily in Indonesian, which may be a barrier for expat clients
- Asset management focus means mortgage broking may not be the firm’s primary service line
Best for: Indonesian buyers or expats with local language support who want a nationally recognised, highly rated financial firm
Website: trimegah.com
Full listing: View on Best in Bali
6. Reliance Securities PT Tbk Denpasar
Bali mortgage broker with local market knowledge and direct contact availability
Reliance Securities operates a Denpasar office serving Bali’s property and finance market with a 5.0/5 client rating. The firm is known for direct adviser availability, which helps clients get timely answers during time-sensitive property transactions.
As a publicly listed Indonesian securities firm (Tbk), Reliance Securities operates under OJK regulation and brings institutional credibility to its Bali client base. Local market knowledge in Denpasar means advisers understand the regional property landscape and the financing constraints buyers commonly face.
No external website for the Denpasar branch is publicly listed. Clients can make contact through their directory listing or visit the office directly in Denpasar.
Pros
- Rated 5.0/5 from verified reviews
- Publicly listed, OJK-regulated firm
- Direct contact availability for responsive client service
Cons
- No external website listed for the Bali branch
- Primary focus is securities, so mortgage broking scope should be confirmed at first contact
Best for: Buyers in Denpasar and greater Bali looking for a regulated, highly rated financial adviser with local knowledge
Full listing: View on Best in Bali
7. PUNDIKU PT. Pundiku Mitra Sejahtera
Bali-based mortgage broking firm with direct client contact
PUNDIKU operates in Bali’s property finance market with a 5.0/5 client rating and a service model built around direct contact availability. The firm provides mortgage broking support to buyers across the Bali region and is set up for personal, one-on-one advisory engagement.
The company’s high rating suggests strong client satisfaction, though the absence of an external website makes it harder for prospective clients to assess the firm’s service scope before reaching out. This is common among smaller, locally focused broking firms in Bali where referrals and direct outreach drive the majority of new business.
Buyers looking for a personal approach with a demonstrably satisfied client base will find PUNDIKU worth contacting early in their property finance search.
Pros
- Rated 5.0/5 from client reviews
- Direct contact availability for responsive communication
- Locally focused with knowledge of Bali’s property market
Cons
- No external website for pre-engagement research
- Smaller firm profile means limited public information on service range
Best for: Buyers who prefer a personal, direct advisory relationship with a locally focused Bali broker
Full listing: View on Best in Bali
8. Firstalindo
Bali mortgage broker with a strong client satisfaction record
Firstalindo serves Bali’s property market with a 4.6/5 rating, placing it among the better-reviewed mortgage broking options available in the region. The firm brings local expertise to property finance and caters to buyers at various stages of the purchase process.
A 4.6/5 rating across verified reviews reflects consistent service quality and suggests the firm handles the majority of client engagements well. While no external website is publicly listed, the listing profile provides a contact pathway for buyers ready to start a conversation.
Firstalindo’s position in the mid-to-upper tier of this list reflects both its rating and its local market focus, making it a practical choice for buyers who want an experienced local broker without the complexity of a large institutional firm.
Pros
- Rated 4.6/5 from verified client reviews
- Local expertise in Bali’s property finance market
- Well-reviewed across a consistent client base
Cons
- No external website available for advance research
- Service details are limited to what is available through the listing
Best for: Property buyers wanting a locally experienced, well-reviewed Bali mortgage broker
Full listing: View on Best in Bali
9. CSUL Finance
Mortgage broking services for expat and local buyers across Bali
CSUL Finance provides mortgage broking services to both expatriate and local Indonesian buyers in Bali, with a 3.8/5 rating. The firm has an external website where prospective clients can review services before making contact, which is a practical advantage for buyers doing early-stage research.
The 3.8/5 rating sits below most other firms in this list, which is worth noting when comparing options. That said, a below-average rating does not automatically disqualify a firm, and buyers should read specific reviews to understand the nature of any concerns raised by past clients.
CSUL Finance’s willingness to serve both expat and local buyers indicates familiarity with the dual-market dynamics of Bali’s property sector, where ownership structures and financing eligibility can vary significantly between buyer types.
Pros
- External website available for pre-engagement research
- Serves both expat and local Indonesian buyers
- Familiarity with Bali’s dual-market ownership landscape
Cons
- Rated 3.8/5, the lowest verified rating in this list
- Buyers should review specific client feedback carefully before engaging
Best for: Buyers wanting a broker with an accessible website who serves both expat and local clients, and who are comfortable reviewing reviews in detail
Website: csulfinance.com
Full listing: View on Best in Bali
10. Sahid Partner
Mortgage broking services in Bali’s property market
Sahid Partner provides mortgage broking services to buyers in Bali’s property market. No public rating is currently available, which limits the ability to compare the firm against rated competitors in this list.
Without a public rating or external website, Sahid Partner is best approached directly through their listing to determine whether their services match the buyer’s specific requirements. Buyers are encouraged to ask about the types of financing they can facilitate, the lenders they work with, and any fees charged for their service.
The lack of publicly available information means Sahid Partner is better suited to buyers who have received a personal referral or who are willing to conduct their own due diligence through direct conversation.
Pros
- Focused on Bali’s property market
- Direct contact available through listing profile
Cons
- No public rating or reviews available
- No external website to assess services in advance
- Limited public information makes pre-engagement research difficult
Best for: Buyers who have received a direct referral to Sahid Partner and want to follow up with a personal consultation
Full listing: View on Best in Bali
11. PintarSaham.id
Bali property finance broker with a perfect client rating
PintarSaham.id holds a 5.0/5 rating and operates in Bali’s property market with an external website that prospective clients can review before making contact. The name translates roughly to “Smart Shares” in Indonesian, indicating a background in investment and securities alongside property finance.
A perfect rating is notable and suggests consistently positive client outcomes, though buyers should review the volume of ratings behind the score to assess statistical reliability. The external website provides additional context on the firm’s services and areas of expertise.
For buyers comfortable working with a firm that spans investment advisory and property finance, PintarSaham.id offers a well-regarded option with accessible online presence.
Pros
- Rated 5.0/5 from client reviews
- External website available for research before contact
- Investment and property finance background
Cons
- Investment-focused background means mortgage broking may be one of several service lines rather than the primary focus
- Buyers should verify the volume of reviews behind the 5.0/5 score
Best for: Buyers who want a highly rated Bali-based firm with an accessible website and a background in both investment and property finance
Website: pintarsaham.id
Full listing: View on Best in Bali
12. Mirae Asset Sekuritas Indonesia Bali
International securities firm with a Bali branch offering property finance services
Mirae Asset is a South Korean-founded financial services group with significant operations across Asia, including Indonesia. The Bali branch carries a 4.6/5 rating and provides mortgage broking services through Mirae Asset’s Indonesian operations, which are regulated by OJK.
The international backing of Mirae Asset gives this branch a level of institutional credibility that locally founded firms cannot always offer. For buyers who value the reassurance of a globally recognised financial brand with local Indonesian regulatory compliance, this branch is worth serious consideration.
Their external website covers the full scope of Mirae Asset’s Indonesian operations, and the Bali branch can be contacted for locally specific property finance enquiries.
Pros
- Rated 4.6/5 from verified reviews
- Part of a globally recognised financial services group
- OJK-regulated Indonesian operations with Bali branch access
Cons
- International corporate structure may mean less flexibility for non-standard buyer situations
- Website covers the national operation rather than Bali-specific services
Best for: Buyers who want the credibility of an internationally backed, OJK-regulated financial firm with a local Bali presence
Website: miraeasset.co.id
Full listing: View on Best in Bali
13. BNI Sekuritas Denpasar
Bali mortgage finance services through BNI Sekuritas
BNI Sekuritas is the securities arm of Bank Negara Indonesia (BNI), one of Indonesia’s largest state-owned banks. The Denpasar branch serves Bali’s property market and connects borrowers with financing options supported by one of the country’s most established banking institutions.
The BNI name carries considerable weight in Indonesian finance, and buyers who already have a relationship with BNI may find a natural extension of that relationship through its Denpasar securities branch. No public rating is currently available for this specific branch.
No external website for the Denpasar branch is publicly listed, but the broader BNI Sekuritas operation is well known and verifiable through national channels.
Pros
- Backed by Bank Negara Indonesia, one of Indonesia’s largest state banks
- Strong institutional credibility and regulatory standing
- Suited to buyers with existing BNI banking relationships
Cons
- No public rating available for the Denpasar branch
- No dedicated external website for the Bali office
- State bank structure may offer less personalised service than smaller brokers
Best for: Buyers who want the backing of a major state-owned Indonesian financial institution for their Bali property finance
Full listing: View on Best in Bali
14. CGS International Sekuritas Indonesia Cabang Denpasar
International securities broker with a Denpasar office serving Bali
CGS International Sekuritas is the Indonesian operation of CGS International, a regional financial services firm with roots in Singapore and a significant presence across Southeast Asia. The Denpasar branch holds a 5.0/5 rating and provides mortgage broking services alongside its broader securities offering in Bali.
The international pedigree of CGS International, combined with OJK regulation in Indonesia, gives this branch a strong compliance and institutional foundation. Buyers who are used to working with international financial firms and want that standard of service in Bali will find CGS a credible option.
Their external website covers the broader Indonesian operation, and the Denpasar branch can be contacted for Bali-specific property finance enquiries.
Pros
- Rated 5.0/5 from verified client reviews
- Part of a regionally significant international financial services group
- OJK-regulated with a verifiable compliance record
Cons
- Securities-focused firm, so mortgage broking scope should be confirmed directly
- Website covers national operations rather than Bali-specific service details
Best for: Buyers who want an internationally backed, highly rated regulated firm with a physical presence in Denpasar
Website: cgsi.co.id
Full listing: View on Best in Bali
15. EDUCATION CENTER PT. Trijaya Pratama Futures Bali
Futures firm with education focus and mortgage broking services in Bali
PT. Trijaya Pratama Futures operates an education centre in Bali alongside its futures and mortgage broking services, carrying an impressive 4.9/5 rating. The education component suggests a client-facing model that includes financial literacy support, which can be particularly useful for first-time buyers unfamiliar with Indonesian property finance.
A 4.9/5 rating across verified reviews places Trijaya Pratama among the highest-rated firms in this list. The combination of educational programming and direct broking services means clients are given context for the decisions they are being guided to make, rather than simply being presented with a product recommendation.
No external website for the Bali education centre is publicly listed, so buyers should use the listing profile to initiate contact and request details on their specific mortgage broking services.
Pros
- Rated 4.9/5 from verified reviews
- Education centre model supports client understanding of financial decisions
- Locally based with Bali-specific property finance knowledge
Cons
- No external website publicly listed
- Primary identity as a futures and education firm means mortgage broking scope should be confirmed
Best for: First-time buyers or those new to Indonesian property finance who want education alongside practical mortgage broking assistance
Full listing: View on Best in Bali
Who is the best mortgage brokers in Bali?
Based on verified client ratings, Trimegah Sekuritas, Reliance Securities Denpasar, PUNDIKU, PintarSaham.id, and CGS International Sekuritas Denpasar all hold 5.0/5 ratings. PT. Trijaya Pratama Futures Bali is close behind at 4.9/5. For expat-focused services with strong reviews, Mirae Asset Sekuritas Bali and Firstalindo both hold 4.6/5 ratings. The best choice depends on your buyer profile, whether you need English-language support, and whether you prefer an institutional or independent broker.
How much does a mortgage broker cost in Bali?
Mortgage broker fees in Bali vary by firm and deal structure. Some brokers charge a flat fee for consultation, others earn a commission from the lender or financing institution, and some charge a percentage of the loan value. Because Indonesian property finance involves additional legal and regulatory steps compared to many Western markets, buyers should request a clear written breakdown of all fees before engaging any broker. Securities firms operating as brokers may have different fee structures to independent mortgage brokers, so ask specifically how the firm is remunerated.
How do I choose a mortgage broker in Bali?
Start by confirming whether the broker is registered with OJK (Otoritas Jasa Keuangan), Indonesia’s financial services regulator. Then assess whether they have direct experience with your buyer profile, whether that is a foreign national purchasing leasehold, an Indonesian citizen buying freehold, or a business entity acquiring commercial property. Check verified client ratings, ask for references, and confirm what lenders or financing institutions they work with. A broker who can explain the full ownership and financing structure in plain terms is more useful than one who only discusses interest rates.
What should I look for in a mortgage broker?
Look for OJK registration or affiliation with a regulated entity, demonstrated knowledge of Indonesian property law as it applies to your buyer type, transparent fee disclosure, direct contact availability during your transaction, and a track record of client satisfaction backed by verifiable reviews. Fluency in English (or your preferred language) is an important practical factor for expat buyers. Ask whether the broker can coordinate with a notaris (Indonesian notary) and a property lawyer, as property transactions in Bali require legal oversight beyond what a broker alone can provide.
Are there good mortgage brokers for small businesses in Bali?
Several firms in this list are well positioned for small business buyers. Bali Business Broker specifically mentions serving business-related property finance, and securities firms like CGS International Sekuritas and Mirae Asset Sekuritas have the institutional capacity to handle commercial financing scenarios. PT. Panin Sekuritas Tbk, as a publicly listed financial firm, also has experience with business-related financing structures. Small business owners should confirm with any broker whether they can facilitate commercial property loans through Indonesian banking channels, as foreign-owned business entities face specific restrictions under Indonesian law.
Finding a reliable mortgage broker in Bali takes more due diligence than in many other markets, given the intersection of Indonesian property law, foreign ownership restrictions, and a financial sector that blends securities firms with traditional mortgage advisory services. The firms listed here represent the available options across a range of buyer types and service models. Comparing ratings, checking OJK registration, and having a direct conversation about fees and lender access before signing anything will put you in the strongest possible position as a buyer in Bali’s property market.
