Service 03
Home Loans
Home loans for purchase, construction, renovation and balance transfer, negotiated across banks and NBFCs so you get the rate and tenure that actually fit your repayment capacity.
Who this is for
Salaried and self-employed buyers, and existing borrowers paying more than the current market asks.
What we deliver on this mandate
- Eligibility worked out before you apply anywhere
- Property and title documentation check
- Balance transfer and top-up comparison on total interest outgo, not headline rate
- Follow-through to disbursal with the builder or seller
How the file is built
- 01Financial SWOTWritten position on what you can raise, and on what basis.
- 02Instrument designFacility structure, tenure and repayment profile.
- 03End-use justificationEnd-use note tied to the project or operating cycle.
- 04Banker-grade appraisalCMA data, projections, ratio and DSCR workings, project report.
- 05Lender matchingA matched lender, with the reasoning shown to you.
Questions we get on home loans
Is a balance transfer worth it for a small rate difference?
Only when the saving over the remaining tenure clears the switching cost. We work it on your outstanding and residual tenure and show you the number. Sometimes the answer is that you should stay.
I am self-employed and my last return shows low income. Can I still borrow?
Often yes. Self-employed files are assessed on a broader view than one return — banking conduct, business vintage and the strength of the property all count. What matters is that the case is presented properly rather than left to the branch to interpret.
Fifteen minutes will tell you if this is the right instrument.
Free eligibility assessment, then a written fee proposal if we take the mandate on.