I'm a bit stuck with wonder if anyone can help with some advice.

My plan is to purchase property with my wife, so I need a bank account. She will purchase in her name, and offer a lease with a loan to give me some security. I'm chatting with Pattaya agencies to assist with getting a bank account. I've been told I can't get a bank account on a visa exemption because I'm under 50. So - I need a visa first, yet visas often seem to need a bank account!

My circumstances:

-British Citizen, under 50.

-Married to my Thai wife 13 years, dual nationality.

-We live in the UK

-She changed her name to English name on both passports + Thai ID

-But- we don't have a marriage certificate in Thailand

-Child born in England, dual nationality with full passport+Thai ID

-Only on visa exemption

Problem is - I don't think any of the visa categories work.

-Marriage visa - requires money in a Thai bank account, and a house book entry

-Retirement visa - not old enough

-None of the work visas make sense, I'm not working.