Home loans arranged from the lender that fits you — and balance transfers when your existing rate has quietly become expensive.
A home loan is the largest and longest borrowing most people ever take, and small differences compound enormously. Half a percent on a twenty-year loan is a substantial sum — far more than most borrowers realise when they accept whatever their existing bank offers.
Two things decide your outcome: how much you can borrow, and at what rate. The first depends on income, existing obligations and the property; the second depends heavily on which lender you approach and how your profile is presented.
We also handle balance transfers. If your loan is a few years old and the rate has not moved while the market has, you may be paying materially more than you need to.
We would rather tell you a product is wrong for you than arrange the wrong one.
An incomplete file is the most common cause of delay. This is the usual list — we tell you exactly which apply to your case.
Eligibility first, before you commit to a property. Nothing is worse than an agreement signed on a loan that will not come through.
Not the advertised rate — the rate you will actually be offered, plus processing fees and prepayment terms.
Title and approvals are where deals die. We flag problems early rather than after you have paid an advance.
Self-employed income in particular needs presenting properly. The same figures can read very differently.
Legal and technical valuation, then documentation and release.
Most rejections are avoidable and have nothing to do with whether the business is sound. These are the ones we see most often.
What fixes it: Clear overdues and wait for the bureau to update — often a month or so.
What fixes it: Close a small loan, or add a co-applicant with income.
What fixes it: Resolve before applying; no lender will fund a doubtful title.
What fixes it: Consistent ITRs matter more than the highest possible figure.
What fixes it: Applying to several banks at once damages the score. Approach one well-chosen lender.
Broadly, lenders keep your total EMIs within a comfortable share of monthly income, and separately cap the loan as a percentage of property value. Both tests apply, and the lower one governs. We can give you an accurate figure in a short conversation.
It depends on the rate difference, how much tenure is left, and the switching costs. Early in a loan it very often is; in the last few years it rarely is. We do the arithmetic before recommending anything, and will tell you when it is not worth moving.
Most home loans in India are floating and linked to an external benchmark, so they move with rates. Fixed offers certainty at a higher starting cost. Which is right depends on your tenure and how much rate movement you can absorb.
Yes, and it is common. The difference is documentation — lenders assess consistent, filed income across two to three years. How that income is presented significantly affects the amount sanctioned.
Prepaying early in the tenure saves the most interest, because early EMIs are mostly interest. Floating-rate home loans to individuals do not normally attract prepayment charges. Whether it beats investing the same money is a separate question we are happy to work through with you.
A free first meeting with our loan experts — an honest answer on how much you can borrow and which bank fits you best.