BoT Hearing Weighs Extending 100% Mortgage Financing to June 2027

Thailand's mortgage market has been unusually accommodating for the past year, and lenders and buyers alike are now watching whether that stays true past mid-2026. Since 1 May 2025, Bank of Thailand (BoT) loan-to-value (LTV) rules have allowed banks to offer up to 100% financing on a first home valued above THB 10 million and on a second home valued under THB 10 million — a relaxation of the usual LTV ceilings, originally set to run through 30 June 2026 [1].

With that expiry approaching, the BoT opened a public hearing from 7 May to 5 June 2026 on whether to extend the same 100% LTV relief for another year, to 30 June 2027 [1]. As of this writing in mid-September 2026, the hearing has concluded, but no confirmed BoT decision on the extension has been published. Local reporting describes the outcome as still under consideration, with an announcement expected but not yet issued [2].

The timing is notable. BoT policy-rate cuts through 2025 and into 2026 have been easing mortgage costs generally, and 2026 has been widely reported as a soft year for the property sector — some coverage has called it a "7-year low" for the market [3]. An extension of 100% financing, if adopted, would land at a moment when the BoT appears focused on supporting transaction volume rather than tightening credit. But that context explains why an extension is plausible — it is not confirmation that one has been granted, and readers should treat the 30 June 2027 date as proposed, not settled, until the BoT publishes a notification saying otherwise.

What this means for buyers

If you are shopping for a first home priced above THB 10 million, or a second home under THB 10 million, the 100% LTV relief is confirmed and in force right now, through at least 30 June 2026 [1]. That is real and you can rely on it for a purchase closing before that date. What you cannot yet rely on is financing on the same terms for a purchase that closes after 30 June 2026 — the extension to 30 June 2027 was only under public hearing as of June 2026, and no adoption has been confirmed [1][2]. If your purchase timeline stretches past mid-2026, ask your lender directly what LTV ceiling applies to your loan at the time you actually draw down financing, rather than assuming today's 100% relief will still be available. Softer market conditions and lower policy rates are working in buyers' favor generally