Property Advisory
Property finance advisory — the right structure, the right lender, the right tenure.
Home loans, LAP, balance transfer and top-up — compared across 12+ partner banks and NBFCs. We position your file the way an underwriter reads it, not the way a salesperson pitches it.
Products we facilitate
Home Loan
Purchase, construction, resale or plot + construction — 75–90% LTV, 20–30 year tenure.
Loan Against Property
Unlock liquidity from a property you own — for business, education, marriage or debt consolidation.
Balance Transfer
Move an existing home loan to a lower-rate lender, often with a top-up facility.
Top-up Loan
Additional borrowing on top of an existing home loan — same lender, lower rate than personal loan.
Plot Loan
For residential plot purchase — typically 70–80% LTV, shorter tenure, end-use restricted.
NRI Home Loan
For NRIs/OCIs buying Indian property — FEMA-compliant structure, repatriation planning.
How we position your file
- Affordability & cash-flow assessment before lender selection
- CIBIL pull only after strategy is agreed — no random enquiries
- Co-applicant structuring to maximise eligible loan amount
- Income documentation optimised — ITR, Form 16, GST turnover
- Property documentation reviewed before lender submission
- Multiple lender offers compared on rate, EMI, tenure, fees, prepayment terms
- Sanction-to-disbursal coordination with the chosen lender
- Annual review for balance-transfer or prepayment opportunities
Why independent advisory matters
FAQ
Common questions
Home loan or LAP — which one fits my requirement?+
Home loans finance the purchase of a residential property you're buying — typically 75–90% of agreement value, 20–30 year tenure, lowest rates. LAP (Loan Against Property) is a loan against a property you already own — usable for any purpose (business, education, marriage), 7–15 year tenure, slightly higher rate. We help you choose based on the end-use and tenure.
Fixed or floating rate — which is safer?+
Floating rates track the RBI repo and almost always cost less over a full tenure. Fixed rates offer EMI certainty for 2–3 years then usually reset. We model both scenarios with current rate curves and recommend based on your cash-flow predictability and how long you intend to hold the loan.
How much loan can I actually get on my salary?+
Most banks cap total EMI obligations at 50–55% of net monthly income (FOIR). For a ₹1 L/month net salary with no existing EMIs, that's roughly ₹50–55K EMI capacity — translating to a ₹55–65 L home loan at 8.5%* over 20 years. We compute this precisely for each partner lender, because FOIR limits vary.
Next step
Get your file reviewed before you apply again.
Share basic details — a senior advisor will read your profile, diagnose what's blocking approval, and tell you exactly what to fix first.
- No CIBIL pull until strategy is agreed
- No blind portal submissions
- Review by a senior advisor — not a call-centre agent
Explore further
Continue your funding readiness journey
Funding Readiness Assessment
Score your business against the 6 pillars lenders actually evaluate.
Why Loan Applications Get Rejected
The 8 silent killers behind approval failures — and how to fix each.
Tax Planning for Loan Eligibility
How ITR & GST decisions today decide your borrowing capacity tomorrow.
Business Loan vs LAP
Which structure actually fits your cash flow, risk and tenure.
Credit Profile Improvement
From low CIBIL or rejection to a fundable file — the structured way.