8 best mortgage company in Thailand

Q: 8 best mortgage company in Thailand

8 best mortgage company in Thailand
8 best mortgage company in Thailand


Regardless of your financial situation, a mortgage is a big deal. It holds the potential to change your life for the better, but it’s not always easy to find the best mortgage broker online.


When it comes to getting approved for the best rate and terms, having the right partner can make all the difference. There are hundreds of mortgage companies online, but here are my top picks for the best mortgage company in Thailand.





Thai Home Loans (THL) was founded in 2012 under the Royal Thai Government’s economic plan, “Vision 20/20: A new beginning for Thai economy”. The bank currently focuses on three main products – home loans, personal loan and credit card. In 2017, THL had issued 2.8 million home loans which is approximately 10% of the total mortgages offered in Thailand.


One of its current business strategy is to expand into overseas markets where the need for affordable housing is high. As at 2018, THL had opened branches in both Singapore and Malaysia. Its home loan offerings are not restricted to only Bangkok. All major cities and provinces in Thailand have access to these services.


The interest rate on home loans ranges between 3.9%- 8.9%. There are no prepayment penalties and minimum down payment ratio requirement. Currently, THL offers two types of mortgage plans – fixed rates and floating rates. Fixed-rate plans offer lower interest rates but fluctuate according to changes in base rate.

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Meanwhile, floating-rate plans provide higher interest rates but do not fluctuate based on base rate movements. In terms of customer service, they are rated 4.9 out of 5 stars based on reviews from Biztrust.com. As for their online interface, it is simple and user-friendly.





BICD is the first private sector lender in Thailand and was established in 2001. It is involved in several fields including asset management, financial services, investment banking, real estate finance, infrastructure financing, property development and retail financing.


According to 2017 data, BICD has issued around 1.9 million mortgages which accounts for 40% of the total mortgages provided in the country. Its current residential loan product portfolio includes home loans, car loans and personal loans.


Interest rates range between 6.3%-10.0%, with variable and fixed rates available. Minimum down payment ratios vary depending on the type of loans. There are no prepayments fees and no penalty charges if customers pay back their loans early. Its customer service rating is rated 4.3 out of 5 stars based from Biztrust. The online interface is quite easy to use with clear information and intuitive navigation.






Citibank Nomura is a Japanese multinational banking corporation headquartered in Tokyo and it is known for providing various financial services. Citibank Nomura is licensed under the Bank of Japan Act, and it is fully owned subsidiary of Citigroup Inc., New York.


It was formed in 2006 after the merger of Citibank, Ltd. and Nomura Holdings Co., Ltd. In 2017, Citibank Nomura had issued around 1.6 million mortgages which makes up about 35% of the total mortgages given in Thailand.

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Their customer service rating is 4.2 out of 5 stars based off of reviews from Trustpilot.com. As for its website design, it is quite straightforward with clear information and intuitive features. However, it does lack some basic security measures.


Q: 4. National Housing Service Corporation (NHSCo)



National Housing Service Corporation, a state-owned enterprise, was incorporated in 1992 with the mission to provide affordable housing solutions throughout the country.


NHSCo has become the first choice for many people who seek a safe and secure place to call home. As of December 31st, 2017, NHSCo reported net income of THB 10.0 billion ($340 million USD), revenue of THB 80.9 billion ($2740 million USD) and total asset value of THB 531.4 billion ($17500 million USD).


NHSCo is licensed by the SEC and supervised by the Office of Consumers Protection. NHSCo is registered under the CIIP.


Q: 5. Siam Commercial Bank (SCB)


Siam Commercial Bank is Thailand’s oldest privately owned commercial bank. SCB began operations in Bangkok in 1930 and now has branches nationwide.


SCB is listed on the Stock Exchange of Thailand and is a member of several international and regional organizations including the World Federation of Exchanges (WFE), Association of Southeast Asian Nations (ASEAN), Asia Infrastructure Investment Bank (AIIB), Inter American Development Bank (IDB), and European Bank for Reconstruction & Development (EBRD).


SCB is licensed under the SEC and supervised by OCP.


Q: 6. Krungthai Bank Public Company, Limited (KBank)


KBank was established in 1926 and currently operates in seven provinces in Thailand. In addition to offering traditional products and services, KBank today continues to build and develop new services and product offerings tailored specifically to meet the needs of its diverse customer base.

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KBank is licensed by the SEC, supervised by Consumer Protection Center, Ministry of Finance, and member of MasterCard Worldwide Network. KBank is registered under the CIP.


Q: 7. Home Mortgage Bank Limited (HMBL)



Home Mortgage Bank Ltd. is Thailand’s leading bank providing mortgage loans. HMBL provides flexible financing options to suit individual needs. HMBL offers customized home loans, auto loans with both personal and commercial financing options, construction finance, credit cards, and business loans.


HMBL is licensed under the Securities and Exchange Commission (SEC), supervised by the Office of the Government Financial Sector Supervision (OgFSS).


HMBL is authorized to conduct banking services in accordance with the Banking Act No. 15/2001. HMBL is fully regulated by the Thai financial authority – the Monetary Board. HMBL is registered with the Central Department of Intellectual Property (CIP), Ministry of Commerce.


Q: 8. Kasikornbank Public Co., Ltd. (KBank)


Kasikornbank Public Company Limited is the largest bank in Thailand by assets and deposits. KBank offers competitive rates and excellent service to its customers.


KBank has been serving the public since 1891 and currently serves over 1.8 million customers across Thailand. KBank is licensed under the SEC, supervised by the Office of Consumer Protection. KBank is registered with the CIP.



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