Mortgage and construction finance for freehold Bali villas and developments owned through foreign entities. No Indonesian bank. No IDR exposure. No leasehold. USD 300K–3M at up to 60% LTV.
Foreign investors own billions of dollars of freehold Bali real estate — but Indonesian banks won't lend to foreign entities. We fill that gap.
If you own a freehold Bali villa or development through a PT PMA company — with HGB title registered in the company's name — you hold the strongest title available to foreign investors. Not a leasehold. Owned. But that asset is effectively illiquid: you can't refinance, can't pull equity, and can't fund construction without selling equity or flying cash in. We provide long-term USD mortgage and construction loans secured against your freehold property and company structure, so you can scale without selling down.
We lend to a specific borrower profile. Here's what we look for.
Your property is held through a PT PMA (Indonesian Foreign Investment Company) — owned by a Dubai, US, Singapore, UK, EU, or similar entity or individual. This is the structure that allows us to take a registered mortgage and enforce it properly if needed.
Your property has freehold HGB (Hak Guna Bangunan) title — the title class that comes with PT PMA ownership, and what the Bali market calls "freehold." The company owns the land certificate outright. We do not lend against leasehold (Hak Sewa) properties, regardless of remaining lease term.
We focus on loans between USD 300,000 and USD 3,000,000. The property's independently stressed valuation must support a 60% LTV at your required loan amount. Both completed villas and active construction projects are considered.
A transparent three-document security package — the same structure institutional lenders use in cross-border real estate finance globally
Hak Tanggungan — Registered with BPN
A statutory mortgage is registered against your HGB certificate at the National Land Agency (BPN). This is the Indonesian equivalent of a first-charge mortgage — standard, transparent, and discharged in full when the loan is repaid.
PT PMA Share Pledge
A pledge over the shares of your PT PMA holding company. This is a standard cross-border pledge — similar to pledging shares in any corporate financing. It does not affect your day-to-day operations and is released in full on loan repayment.
Governed by Your Home Jurisdiction
An unlimited personal guarantee from the beneficial owner, governed by the law of your home jurisdiction — UAE, US, UK, Singapore. This is the same personal guarantee used in commercial real estate lending worldwide.
What to expect when you borrow from us
| Parameter | Details |
|---|---|
| Loan Size | USD 300,000 – USD 3,000,000 |
| Maximum LTV | 60% of stressed independent valuation |
| Loan Term | 24–60 months |
| Currency | USD — no IDR exposure for the borrower |
| Loan Types | Long-term mortgage or construction drawdown facility |
| Eligible Title | Freehold HGB via PT PMA — no leasehold (Hak Sewa) |
| Eligible Structures | PT PMA held by Dubai, US, Singapore, EU, or similar offshore entity |
| Valuation Standard | MAPPI-certified independent appraiser |
Three types of borrowers we work with
Building new villas or completing a stalled development? We provide construction facilities that draw down in stages tied to build milestones — so you're only paying interest on capital you've actually used.
Bought in cash and want to recycle capital? Refinance your completed freehold HGB villa to unlock equity and fund your next acquisition or development — without selling down your position.
Buying a Bali villa or hotel through a PT PMA? We provide acquisition finance at up to 60% LTV, so you can close with less of your own capital tied up in one asset.
From first contact to funds in your account
Tell us about your property, ownership structure, and what you need funding for. We'll respond within 48 hours with a preliminary yes or no — no cost, no commitment.
If the deal fits, we issue a formal term sheet setting out loan amount, rate, term, and security package — all in plain English before any legal cost is incurred.
Independent MAPPI valuation, BPN title search, and legal opinion. Documents executed through a licensed PPAT notary. Straightforward if your structure is clean.
Mortgage registered with BPN, then funds transferred in USD. Construction facilities draw in stages tied to confirmed build milestones.
Tell us about your property and what you need. We respond within 48 hours.
A brief description of the property, your PT PMA ownership structure, the loan amount you're looking for, and what you intend to use the funds for.
We review within 48 hours. If the deal looks like a fit, we'll schedule a short call to discuss terms. No commitment, no cost until you sign a term sheet.