Finding the Best Mortgage Broker Services in Vietnam for Complex Loans and “Pink Book” Issues
If finding a dream home in District 1 feels difficult, the mountain of paperwork required to pay for it often feels impossible.
For buyers with irregular income or foreign passports, walking into a bank without preparation creates a high risk of immediate rejection.
You need a strategist capable of navigating the “walled gardens” of developers and the complex legal landscape on your behalf. We analyzed the market to find services that transform a confusing “maybe” into a confident “approved.”
These mortgage broker services in Vietnam possess the expertise to close the deal. They understand the nuances of local property laws and have the right connections to push your application through the system.
How much do mortgage broker services cost in Vietnam?
First-time buyers often find the cost structure for mortgage services in Vietnam unexpectedly low.
Most standard mortgage brokers and banking support agents operate without charging the borrower directly. Instead, they utilize a commission-based model where the bank pays a referral fee once your loan is successfully disbursed.
Banks require an official Property Valuation from an independent appraiser to establish the loan limit, typically costing between 2,000,000 VND and 5,000,000 VND.
Additionally, legalizing the mortgage contract incurs a Notary Fee, usually calculated at roughly 0.1% of the loan value.
This arrangement allows you to access professional advice while the lender covers the cost.
While the broker service remains free, you must budget for the mandatory administrative costs involved in securing the loan.
Smaller compliance fees also apply, such as the Secured Transaction Fee for registering with the National Registration Agency and mandatory Fire Insurance, which generally costs about 0.1% of the property’s value annually.
1. FINA
Website: https://fina.com.vn/vn
Address: L17-11, Tầng 17, Toà nhà Vincom Center Đồng Khởi, 72 Lê Thánh Tôn, Phường Bến Nghé, Quận 1, Thành phố Hồ Chí Minh
Contact: 08 5749 8668 | [email protected]
Schedule: Daily 8:00 AM – 10:00 PM
FINA operates as a tech-first solution in a traditionally paper-heavy industry. Their “all-in-one” fintech platform integrates mortgages, home insurance, and other financial products into a single digital ecosystem.
Modern buyers can manage their entire property financial health from a smartphone without ever visiting a bank branch.
This platform connects users to a wide network of banks, enabling them to easily compare interest rates and loan terms in real-time. The interface remains clean, and the support team responds quickly to queries.
However, the digital-first approach has limitations. Applicants with messy financial situations may find the automated sorting rigid compared to sitting down with a human specialist.
While the technology streamlines the process for standard profiles, complex cases might require more hands-on attention than the app currently provides.
2. OneHousing
Website: https://onehousing.vn/
Address: Tầng 1, Tòa văn phòng T26, KĐT Times City, 458 Minh Khai, Phường Vĩnh Tuy, Thành phố Hà Nội
Contact: 1800 646 466 (Hotline) | 024 7105 6788 (Phone)
Schedule:
- Mon-Fri 9:00 AM – 6:00 PM
- Sat 9:00 AM – 1:00 PM
OneHousing excels at ecosystem integration, specifically for properties within the VinGroup or Masterise Homes universe. Their proprietary valuation tool uses big data to provide instant, bank-accepted values for many apartment projects.
This tight integration with Techcombank facilitates incredibly fast loan approvals, often clearing within hours rather than days.
A test of their valuation tool on a Masteri apartment listing produced a loan estimate and valuation in seconds, effectively saving a week of waiting for a manual appraisal.
However, the “walled garden” effect remains a distinct disadvantage.
Buyers looking at townhouses outside of specific partner projects will find these specialized speed advantages less effective. The system prioritizes efficiency for its partners, meaning those purchasing outside this network miss out on the platform’s primary strengths.
Customer Reviews:
No need to worry.
To be fair, if you post it for sale and it sells within 48 hours, yes everyone. OH can deposit your apartment if your house is in Vinhomes or Masterise Homes because of quick valuation (because the market has many transactions, easy to reference). I have tried it. If any homeowner has a house here, you can contact them. Sales consultants are enthusiastic, support from A to Z, no need to worry.
- Lệ Nguyễn (Thần Sầu) | Google Review (Translated)
3. IQI Vietnam Ho Chi Minh City (City Gate)
Website: https://iqiglobal.com/vn
Address: City Gate Building, 67-69 Xa lộ Hà Nội, Thảo Điền, Quận 2, Hồ Chí Minh
Contact: 1800 222 155 (Hotline) | 028 7307 3055 (Phone)
Schedule: Mon-Sat 8:30 AM – 6:00 PM
IQI leverages its global presence to serve the local market, catering to foreign investors and cross-border transactions with specific expertise.
Expats and overseas investors use this service to build portfolios in Vietnam, utilizing the team’s multilingual staff and legal knowledge to structure financing correctly.
Functioning as a full-service agency, they treat mortgage brokering as part of a larger investment strategy. Beyond finding a loan, they analyze the investment potential of the property itself to ensure it aligns with your financial goals.
However, this high-level service comes with a caveat: they operate primarily as a real estate agency. You may find the team directing you toward their exclusive listings rather than focusing purely on the loan aspect.
This approach suits investors seeking a complete package but may frustrate those looking solely for financing.
4. Homebase
Website: https://homebase.com.vn/
Address: Tòa nhà H3, 384 Hoàng Diệu, Phường 6, Quận 4, Thành phố Hồ Chí Minh
Contact: 0948 230 033 | [email protected]
Schedule: Mon-Fri 8:30 AM–5:30 PM, Support Available 24/7
Homebase offers a viable alternative for buyers who face rejection from traditional banks. Their “co-investment” or “rent-to-own” model allows you to purchase a home with a smaller upfront commitment while avoiding traditional mortgage applications.
Self-employed individuals, freelancers, and foreigners without standard income proof often utilize this path.
Interactions with their support team reveal transparency regarding costs, as they explain the “buy-back” pricing and premiums clearly without obscuring the figures.
However, this convenience carries a financial cost. The effective cost of capital with Homebase generally exceeds standard bank mortgage rates, making it best suited as a bridge solution.
While it opens doors for those locked out of the banking system, the higher long-term expense requires careful calculation before committing to the contract.
Customer Reviews:
HomeBase helped my family get our family home.
HomeBase helped my family get our family home. With all the complexities of owning a home in Vietnam for a foreigner, HB made it possible in a very systematic way. Working with them from documentation down to moving in, it only took 3 months. The financing scheme is clear, the support that came with additional paperwork is also remarkable. I wish HomeBase more success and that they may help more families own their own home.
- Jonee de Leon | Google Review
5. ERA Vietnam
Website: https://www.era.com.vn/
Address: Số 22 – 24, Đường số 5, KĐT Sala, Phường An Khánh, Thủ Đức, Thành phố Hồ Chí Minh
Contact: 1800 6701 (Hotline)
Schedule:
- Mon-Sat 8:30 AM – 5:30 PM
- Sun 8:30 AM – 12:00 PM
ERA applies American-standard training programs to the Vietnamese market, ensuring their agents understand the nuances of property law and finance.
Their rigorous preparation means that when you speak to an associate, you deal with someone capable of guiding you through the financial maze.
Operating on a franchise model, they maintain a massive network of agents across the country. This reach allows them to identify banking partners in specific locales that smaller firms might overlook, helping first-time buyers navigate the purchasing lifecycle.
The downside lies in the variability of a large franchise system. Service quality often depends on the specific agent assigned to you rather than a centralized tech system.
You rely heavily on the individual’s motivation and experience, which can lead to inconsistent experiences compared to more automated competitors.
Customer Reviews:
A professional brokerage firm from a leading American brokerage brand.
Era Vietnam is a professional brokerage firm from a leading American brokerage brand. The office is large, beautiful, spacious, and modern. It offers a broad perspective and a well-structured, professional consulting process. The main office is located in Sala, a high-class urban area in Saigon.
- Lâm Ngọc Đảng | Google Review (Translated)