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Can a Thai national obtain a mortgage in Thailand based on income earned in Australia?

Thai mortgageforeign incomeexpat financingThai banksgovernment savings bankmortgage application processUOB bankproperty purchase in ThailandIsaan region living
Jun 10, 2025
a month ago
Samuel ********
ORIGINAL POSTER
Thai Mortgage While Abroad?

My partner and I live in Australia and are thinking of buying property in Thailand in the near future. Loan of ~1.5 million baht over 15 years.

She’s a Thai national… can standard Thai banks offer her a mortgage based on her Australian income, or is it a more complex process with extra steps or broker involved?

Any experiences?
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TLDR : Answer Summary
A Thai national living in Australia seeks to secure a mortgage from Thai banks for property purchase in Thailand, and the conversation reveals various experiences and insights. While some users express skepticism about obtaining loans based on foreign income, others share successful instances involving banks like GHB and Bangkok Bank, outlining necessary documentation such as income statements and tax proofs. Suggestions for contacting banks directly or using brokers for assistance are also provided, alongside insights on property costs in different regions of Thailand.
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Bora ********
UOB bank
a month ago
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Paul *******
Be aware that in Thailand you cannot get a bamk mortgage if over 50 years of age.
a month ago
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Marco *******
UOB offer loan from other countries to buy property in Thailand if the UOB bank it’s present in that country. Minimum loan 3 millions with 40-60% down
a month ago
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Frangipani *******
1.5 Mil? Where are you planning on living?
a month ago
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Sasi ************
@Frangipani ******
 I will dropped everything in a second to go living in this Isaan area. Matter of fact it’s my hometown now. This gorgeous view is about 15 minutes from my home.

After living in LA, NYC, San Francisco Orlando and now Dallas . Been there done that, I’m choosing to live out in the country where there is no Farang and not much of the city’s craziness. It’s just me
a month ago
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Samuel ********
ORIGINAL POSTER
@Sasi ***********
 Udon / KhonKaen is my preference, I use to live in each of the places over a year. But yeah good life there.
a month ago
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Sasi ************
@Samuel *******
 Udon is offering so much more like BKK minus the traffic and crazy tourists!! 😝I still have a main home there and a couple of homes outside thd city.
a month ago
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Sasi ************
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Samuel ********
ORIGINAL POSTER
@Frangipani ******
 When I lived in Thailand I lived in the north east region, not particularly popular for foreigners but I liken it to Chiangmai vibe, slow and chill life.

Quite a lot of condominiums are around 1-2million. Trade off is you’ll have to like Isan region, not for everyone. I don’t believe the average person can handle living.
a month ago
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Gerg **********
@Samuel *******
 The Pattaya sexpats that love to drink in bars won’t like isaan, that’s for sure.
a month ago
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Rick ********
@Samuel *******
 my experience with Thailand to date is Ubon, Khemmarat and Khong Chiam which have been amazing destinations. Can I ask - serious question here - why do people seem to be really down on Isaan?
a month ago
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Samuel ********
ORIGINAL POSTER
@Rick *******
 Isan / North are my #1 preference personally.

Isan is amazing yes, but reality is that it’s for adventure travellers or people who live here and want to see something different. It’s generally not setup for tourism and lacks infrastructure. You need a car, and then it’s too much of a local area.

There are ten to twenty other locations to consider in Thailand… which outcompete isan
a month ago
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Rick ********
@Samuel *******
 fair enough. Thanks for that info, I’ll look into Isaan as a destination for one of my future visits.
a month ago
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Frangipani *******
@Rick *******
 No idea 🤷‍♀️

Personally, I love Isaan 💕
a month ago
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Rick ********
@Frangipani ******
 I will look into Isaan for a future visit. 😊
a month ago
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Rick ********
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Sasi ************
@Frangipani ******
 it’s a norm price all around the country. Some more or less depending on the location. My 12 acres is 1.3 million THB, it’s an empty plot on top of the mountain. A nice house around my neighborhood is about 1.5 million as well.
a month ago
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Samuel ********
ORIGINAL POSTER
@Sasi ***********
 yup exactly
a month ago
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Samuel ********
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Bob **********
I’ve never heard of anyone getting a loan on money they make outside the country,take a second on your home in Australia and use that plus the interest rates would be high
a month ago
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Samuel ********
ORIGINAL POSTER
@Bob *********
 Thanks mate
a month ago
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Samuel ********
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Terry ***********
My partner is a mortgage loans adviser for the government savings bank in Bangkok, message me for her contact details if you’re interested.
a month ago
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Samuel ********
ORIGINAL POSTER
@Terry **********
 thanks mate
a month ago
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Samuel ********
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Chadaporn **************
Bangkok bank also offer loan for Thai who works overseas. She can go to Thonglor branch. I am sure they can help her.
a month ago
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Samuel ********
ORIGINAL POSTER
@Chadaporn *************
 we’ll give them a call to see.
a month ago
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Samuel ********
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Jarinee ****
Hello, I’m Thai and I pay income tax in Canada. I took out a loan with GHB (Government Housing Bank), but you need to apply through an agency (Sungateway). There’s a percentage based service fee you’ll have to pay.

Please contact the bank’s agent, they’ll guide you through the process. As far as I remember, you’ll need to provide your salary statements, a letter from your employer, and proof that you pay taxes. The loan amount depends on your income. Good luck!
a month ago
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Samuel ********
ORIGINAL POSTER
@Jarinee ***
 herald of them, will give it a look. I guess once they have the paperwork and everything checks out everyone is happy

Ironically she use to work at that bank as an intern back in the day.
a month ago
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Samuel ********
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Sasi ************
Ive gave up trying to get approval on my American income. Thats over 20 years ago. Nowadays there are banks working and accepting abroad income and issuing loans . smaller banks are easier to deal with. Avoid BBL

Is my best advice
a month ago
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Samuel ********
ORIGINAL POSTER
@Sasi ***********
 Thanks mate
a month ago
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Sasi ************
@Samuel *******
 Best of luck! Let us know how it goes.

There’s a comment recommending the bank I told you to avoid! This particular bank taking so much time and paperwork! Just a simple changing thd phone number taking about 10-14 business days. Every thing must be send to the HQ in Bangkok. I was flying back and forth about 5 rounds trips when I was trying to get a loan and finally gave up on it. The air fare alone was almost 500k , luckily I was flying on the company’s benefits at the time.
a month ago
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Sasi ************
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Us *****
Wait? What? I am very confused. She wants to take out a loan on her name to buy a property for only 1.5 mil baht. She needs to talk to her relatives on how to squeeze money out of farang. She definitely been out of the country too long. But do the right thing, if she is your wife and have been with you for a long time, just pay thing outright. It's like only 45k usd.
a month ago
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Samuel ********
ORIGINAL POSTER
@Us ****
 Originally it’s my idea mate.

Picture this, you have just relocated to Australia and want to set yourself up. Property prices here are rip off already so the idea is to get a modest place in Australia… she can get a modest place in Thailand, and I can get a place in another country.

Simple.
a month ago
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Us *****
@Samuel *******
 here is the truth. If she wants to buy a place in her hometown then it is fine. But avoid the condos in Bangkok and Pattaya. Too many people launder money out of China and Myanmar and use it to buy those condos. They are worthless and the prices will crash.
a month ago
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Us *****
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Frank **********
@Us ****
 yes but unfortunately for them the exchange rate for the Australian dollar is horrible.
a month ago
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Steve **********
@Us ****
 lots of properties can be had for that price
a month ago
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Us *****
@Steve *********
 that's my point. Just pay it outright buying it in her name. No need for a loan.
a month ago
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Steve **********
@Us ****
 not everyone has an extra $45k in cash laying around….most need/want to finance while they are still working abroad
a month ago
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Steve **********
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