Finance your dream, smarter.
We work with 8 banks and NBFCs to get you the lowest rate available. No paperwork, no chasing — we handle the entire loan journey on your behalf.
Plan your monthly payment.
Adjust the sliders to see your EMI, total interest, and payment schedule update in real time.
Calculation is indicative. Final rate depends on your CIBIL score, income, and bank policy.
8 lenders. One application.
We submit your single application to all relevant lenders and bring back the best offer for you.
Beyond the home loan.
From your first apartment purchase to monetising commercial rental income — we structure loans across the property lifecycle.
Home Loan
For buying a ready or under-construction apartment, villa, or independent house. Up to 80% of property value, 30-year tenure.
Loan Against Property
Mortgage your existing residential or commercial property to unlock funds for any purpose. Up to 65% of market value.
Lease Rent Discounting
Discount your future rental income from a leased property to get a lump sum loan. Ideal for commercial property owners.
Business Loan
Working capital, expansion, or equipment financing for businesses with 3+ years of operations and a clean balance sheet.
From application to disbursement.
Six steps. Four to seven business days. We handle five of the six.
Apply
Quick form, 3 minutes. No documents yet.
Document
PAN, Aadhaar, IT returns, salary slips.
Verify
CIBIL pull, income check, KYC.
Approve
In-principle sanction within 48 hrs.
Sanction
Property valuation + legal check.
Disburse
Funds transferred to seller.
See if you qualify in 15 minutes.
Fill the form. Our advisor calls within 15 minutes during business hours. We check eligibility across all 8 lenders and bring back the best offer — at no cost to you.
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No advisory fee — banks pay us directly
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Single application, 8 lenders evaluated
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Best rate negotiated on your behalf
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Doorstep document pickup in Bengaluru
Loan FAQ.
What's the difference between pre-approval and sanction?
Pre-approval is a conditional commitment from a bank that says, based on your income and CIBIL profile, you are eligible to borrow up to a certain amount. It's typically valid for 6 months and is given before you've identified a property.
Sanction is the formal final approval issued after the bank has also evaluated the specific property — its title, valuation, and legal status. Disbursement happens only after sanction.
Does loan tenure affect interest rate?
The interest rate itself is largely independent of tenure — it depends on your CIBIL score, income profile, employer, and the bank's policy. However, total interest paid is heavily influenced by tenure: a 30-year loan at 8.5% pays roughly 2.5× the principal in total interest, while a 15-year loan at the same rate pays only about 1× the principal.
If your monthly cashflow allows, a shorter tenure dramatically reduces total cost.
What CIBIL score do I need?
Most banks require a minimum CIBIL score of 700 for home loans. Scores above 750 unlock the lowest advertised rates. Below 700, you may still qualify with NBFCs or co-borrower support, but at higher rates (typically 0.5–1.5% over the floor rate).
If your score is borderline, we suggest waiting 3–6 months while paying down credit card balances and avoiding new credit applications. We can pull your score for free as part of our advisory.
What tax benefits are available on home loan?
Under the old tax regime, two key sections apply:
- Section 24(b): Up to ₹2 lakh deduction per year on interest paid, for self-occupied property.
- Section 80C: Up to ₹1.5 lakh deduction on principal repayment (within the overall 80C cap).
- Section 80EEA: Additional ₹1.5 lakh for first-time buyers on properties up to ₹45 lakh (if eligible).
Note: The new tax regime (default from FY 2023-24) does not allow most of these deductions. Compare both regimes before opting in.
Are there foreclosure or prepayment charges?
Per RBI guidelines, banks cannot charge foreclosure or prepayment penalty on floating-rate home loans for individuals. Fixed-rate loans, however, may attract a 2-4% prepayment charge, depending on the lender.
When we structure your loan, we always recommend the floating-rate option unless you have a specific reason to lock in — this preserves your flexibility to prepay or refinance later.
Talk to a loan advisor today.
Free, no-obligation. Available Monday to Saturday, 10 AM to 6 PM.