Funding & Financial Services — Acredge
Funding & Finance
Structured Funding & Financial Advisory for Property Buyers
Home loans, NRI financing, balance transfers, and financial advisory — access 30+ lenders through a single advisor who negotiates the best rate and manages your application end-to-end.
Home LoansNRI FinanceBalance TransferLAPPMAYConstruction Finance
₹2000 Cr+Loans Facilitated
30+Banking Partners
8.4%Lowest Rate Secured
7 DaysAvg. Sanction Time
Why Professional Loan Advisory Matters
The difference between choosing the right or wrong lender, interest rate, or loan structure for a ₹75 lakh loan over 20 years can amount to ₹5–10 lakh in additional interest. Most borrowers accept the first offer they receive — without knowing what they could qualify for across the wider lending market.
We give you access to 30+ lenders through a single advisor who negotiates on your behalf, manages your application, and aligns disbursement with your registration date.
Multi-Lender Access, One Advisor
We work with 30+ banks and NBFCs — including SBI, HDFC, ICICI, Axis, Kotak, LIC HFL, PNB Housing, and Bajaj Housing Finance. You get a single advisor who compares products across multiple lenders and recommends the most suitable option based on your income profile, credit history, and financing requirements — without the bias of a single-lender relationship.
Rate & Structure Negotiation
Most borrowers accept the first loan offer they receive. We negotiate on your behalf — leveraging our lender relationships and your credit profile to secure better rates, lower processing fees, waived prepayment penalties, and improved loan-to-value ratios. The savings over a 20-year loan tenure are substantial.
End-to-End Application Management
From document collection through credit appraisal, valuation, sanction, and disbursement — we manage every stage of the loan process. You have a single point of contact who tracks your application, coordinates with credit teams, resolves queries, and helps ensure timely sanction and disbursement.
Specialist NRI & FEMA Expertise
NRI property financing involves FEMA compliance, income assessment in foreign currency, and coordination across Indian and overseas banking channels. Our NRI financing team has experience handling cross-border transactions and understands the financing and documentation requirements relevant to major NRI markets, including the UAE, USA, UK, Singapore, Canada, and Australia.
Our Funding Services
Home Loan Advisory
Home loans are among the largest financial commitments most buyers make, and choosing the right loan product, lender, and structure can make a significant difference to the total cost of borrowing over the loan tenure. We advise buyers on the complete home loan landscape: comparing interest rates (floating vs. fixed), processing fees, prepayment penalties, part-payment flexibility, technical valuation policies, and lender service quality — then supporting the application through to disbursement.
Loan eligibility assessment
Multi-lender rate and product comparison
Floating vs. fixed rate advisory
Loan-to-value optimisation
Processing fee and charge negotiation
Document preparation and submission
Credit appraisal query resolution
Technical valuation coordination
Sanction letter review and advice
Disbursement tracking and coordination
NRI Home Loans & Financing
NRI property financing requires specialist expertise — income assessed in foreign currency, FEMA compliance at every stage, NRE/NRO account coordination, and documentation authenticated abroad. We manage the complete NRI loan process — from eligibility assessment against overseas income to disbursement coordination — with lenders who have dedicated NRI desks and competitive rates for foreign income profiles.
NRI loan eligibility assessment based on overseas income
Foreign income documentation (salary slips, bank statements, ITR)
FEMA compliance advisory throughout
NRE/NRO account loan repayment structuring
Power of attorney coordination for loan documentation and execution
Comparative NRI loan product analysis
Currency risk and EMI planning
NRI co-applicant structuring
Repatriation and remittance advisory
Loan disbursement to builder/seller on NRI's behalf
Balance Transfer & Loan Restructuring
Millions of borrowers in India are paying above-market interest rates on home loans taken 3–7 years ago, when rates were higher. A balance transfer to a lower-rate lender — or a rate renegotiation with the existing lender — can save lakhs over the remaining tenure. We calculate the precise break-even point, identify the best receiving lender, manage the transfer documentation, and ensure the switch is completed without any gap in the property's mortgage status.
Current loan rate vs. market rate analysis
Break-even calculation (savings vs. transfer cost)
Identification of the most suitable receiving lender
Foreclosure NOC from existing lender
New lender loan application management
Property document transfer coordination
Balance transfer documentation review
Existing lender rate negotiation (alternative to transfer)
Part-payment and prepayment strategy
EMI reduction planning post-transfer
Loan Against Property (LAP)
A loan against property is a versatile funding tool for business owners, professionals, and property investors — unlocking the equity in an existing property without selling it. LAP facilities are available against residential and commercial properties at 50–70% of market value, with tenures up to 15–20 years. We assess your property's eligibility, compare LAP products across lenders, and structure the facility to match your funding requirement and repayment capacity.
Property eligibility assessment for LAP
LTV ratio negotiation across lenders
Residential and commercial property LAP
Business funding against property
Debt consolidation via LAP
LAP for professional requirements
Education funding against property
Overdraft facility against property
LAP vs. personal loan cost comparison
Sanction and disbursement management
Construction Finance & Project Funding
Real estate developers require structured construction finance — project loans from banks and NBFCs that disburse against construction milestones, aligned with RERA escrow requirements and sales-linked cash flows. We assist developers in preparing the financial model, identifying the right construction finance structure, approaching suitable lenders, and managing the ongoing lender relationship through the project lifecycle — from first disbursement to NOC upon project completion.
Project financial model preparation
Construction finance product structuring
Bank and NBFC lender identification
Information memorandum preparation
Credit appraisal support and documentation
RERA escrow structure advisory
Milestone-linked disbursement structure
Sales-linked cash flow modelling
Lender relationship management
Project completion NOC coordination
Affordable Housing & PMAY Advisory
The Pradhan Mantri Awas Yojana (PMAY) provides credit-linked subsidy for first-time home buyers across income categories — and millions of eligible buyers are missing the benefit due to unawareness or incorrect application. We assess PMAY eligibility, identify the applicable subsidy category (EWS, LIG, or MIG), advise on property eligibility requirements, and manage the complete subsidy application and disbursement tracking — ensuring eligible buyers receive the full benefit.
PMAY eligibility assessment (EWS / LIG / MIG)
Credit-linked subsidy calculation
First-time buyer verification
Property eligibility review for PMAY
PMAY application preparation and filing
NHB / HUDCO lender identification
Subsidy disbursement tracking
Aadhaar and income documentation advisory
Affordable housing project identification
Co-applicant income clubbing advisory
Investment Property Financing
Financing an investment property — whether a buy-to-let residential unit, a pre-leased commercial asset, or a land acquisition — requires a different loan structure than an owner-occupied home loan. Lenders assess income from the property, rental yield, and the investor's existing debt service coverage ratio. We advise investors on the right financing structure, optimise loan-to-value against investment return, and structure facilities that maximise the investment's leveraged return.
Investment property loan eligibility assessment
Rental income capitalisation in loan eligibility
Buy-to-let loan product comparison
Commercial property loan advisory
Lease rental discounting (LRD) for pre-leased assets
Portfolio leverage optimisation
DSCR and cash flow assessment
Multiple property loan structuring
Loan against investment property
Exit financing and refinancing advisory
Financial Planning & Tax Advisory
Property transactions have significant tax implications — from capital gains tax on sale proceeds to Section 80C and Section 24 deductions on home loan repayments, and stamp duty deductions under Section 80C. We provide structured financial planning advisory that maximises the post-tax return of every property investment — covering acquisition tax planning, holding period optimisation, and exit tax strategy in coordination with qualified chartered accountants.
Section 80C home loan principal deduction planning
Section 24 interest deduction optimisation
Capital gains tax assessment (LTCG / STCG)
Indexation benefit calculation for property sale
Capital gains reinvestment in new property (Section 54)
Capital gains bond investment advisory (Section 54EC)
Stamp duty deduction under Section 80C
Joint loan and co-ownership tax planning
NRI TDS and income tax advisory
Rental income tax optimisation
How We Work
01
Financial Profile Assessment
We begin with a comprehensive financial profile — income sources, existing obligations, credit score, savings, and the funding requirement. This assessment determines loan eligibility across different lender categories and identifies any credit or documentation issues that need to be addressed before applications are submitted.
02
Lender Shortlisting & Rate Comparison
Based on your profile, we shortlist the 4–6 most suitable lenders from our panel of 30+ banks and NBFCs — comparing interest rates, processing charges, loan-to-value policy, technical valuation conservatism, service quality, and disbursement timelines. We present a structured comparison so you can make an informed decision.
03
Document Preparation
We provide a complete document checklist customised for your profile and the selected lender — income documents, property papers, identity and address proofs, and any additional requirements for NRI or business income borrowers. We review every document before submission to avoid rejection on preventable grounds.
04
Application Filing & Tracking
We file the application with the selected lender, track progress through the credit appraisal process, respond to queries from the credit team, and follow up on valuation and legal verification. You receive regular status updates without having to chase the bank directly.
05
Credit Appraisal & Query Resolution
Banks often raise queries during credit appraisal — income consistency, property ownership questions, or requests for additional documents. We manage every query response, ensuring the appraisal team receives accurate and complete information that supports the loan approval.
06
Sanction Letter Review
When the sanction letter is issued, we review it thoroughly — verifying the sanctioned amount, interest rate, tenure, processing charges, prepayment terms, and any conditions precedent to disbursement. Any discrepancies from what was agreed are flagged and addressed before acceptance.
07
Documentation & Disbursement
We coordinate the loan documentation — mortgage creation, insurance linkage where required, and any other conditions specified in the sanction. For property purchases, we align the disbursement with the seller's registration timeline so there is no gap between loan disbursement and property registration.
Loan Products Overview
Home Loan (Salaried)
8.5–9.5% p.a.LTV: Up to 90%Tenure: Up to 30 years
Best rates for salaried applicants with 750+ CIBIL score
Home Loan (Self-Employed)
9.0–10.5% p.a.LTV: Up to 80%Tenure: Up to 20 years
Income assessed on ITR + CA-certified financials
NRI Home Loan
8.75–10.0% p.a.LTV: Up to 80%Tenure: Up to 20 years
Income in USD/AED/GBP/SGD/AUD/CAD assessed
Loan Against Property
9.5–12.0% p.a.LTV: Up to 65%Tenure: Up to 15 years
Residential and commercial properties eligible
Balance Transfer
8.4–9.0% p.a.LTV: Up to 90% of outstandingTenure: Remaining tenure
Break-even typically 12–18 months post transfer
Construction Finance (Developer)
10.5–13.0% p.a.LTV: 60–70% of project costTenure: Project tenure + 2 years
Milestone-linked disbursement structure
PMAY Subsidy (MIG-I)
4% subsidy on ₹9LLTV: —Tenure: 20 years max
Income ₹6–12L p.a.; first-time buyer only
Lease Rental Discounting
9.0–11.0% p.a.LTV: Up to 70% of lease valueTenure: Lease tenure
Pre-leased commercial assets; strong tenant covenant required
Common Funding Mistakes
Multiple loan applications damaging credit score
Each hard credit inquiry reduces CIBIL score by 5–15 points — applying to multiple banks directly can reduce eligibility for the best rates
→ Single eligibility assessment across all lenders using soft inquiry; targeted application to the right 1–2 lenders
Accepting above-market interest rates
A borrower on 9.5% who qualifies for 8.75% on a ₹75L loan over 20 years pays approximately ₹7.2L extra in interest
→ Market-wide rate comparison and active negotiation with selected lenders using your credit profile as leverage
NRI income rejection by Indian lenders
Many NRI borrowers are rejected by the first lender they approach due to income assessment rules — delaying purchases and losing property bookings
→ Lender pre-screening against NRI income type and country before application; only approach NRI-specialist lenders
Missing PMAY subsidy benefit
Eligible first-time buyers miss ₹2.35–2.67 lakh subsidy by purchasing without PMAY advisory
→ PMAY eligibility check for every first-time buyer; complete subsidy application management
Loan disbursement timing mismatch with registration
Delays in loan disbursement force buyers to arrange bridge finance or risk losing the property and deposit
→ Disbursement timeline management aligned with registration date; lender coordination to ensure same-day disbursement if required
Construction-linked disbursement for under-construction properties
Buyers pay pre-EMI interest on disbursed portions without tax benefit during the construction period, increasing effective loan cost
→ Construction-linked disbursement planning with pre-EMI calculation and tax advisory for under-construction loan accounts
Paying unnecessary processing fees on declined applications
Processing fees of ₹5,000–25,000 per application are charged even if the loan is declined — multiple rejections are costly
→ Credit profile review before application; provisional approval obtained before fee payment where possible
Existing high-rate loan without refinancing awareness
Borrowers on pre-2022 home loans at 8.5–9.5% may qualify for 7.9–8.5% today — missing monthly savings of ₹3,000–8,000 on a ₹50L loan
→ Annual loan rate review with balance transfer break-even analysis; proactive refinancing advisory
Who We Help
First-Time Home Buyers
Navigating a home loan without guidance is overwhelming. We simplify the process — eligibility, lender selection, application, and disbursement — and ensure you receive any PMAY subsidy you are entitled to.
NRI Buyers
Complete NRI home loan advisory — income assessment in foreign currency, FEMA compliance, power of attorney coordination, and disbursement management for buyers based in the UAE, USA, UK, Singapore, Canada, and Australia.
Property Investors
Investment property financing requires different structures and lenders than owner-occupied loans. We advise on loan-to-value optimisation, rental income capitalisation, and leveraged return maximisation.
Existing Borrowers
If you took your home loan before 2022 and haven't reviewed your rate, you may be paying significantly above market. We conduct a free rate comparison and balance transfer analysis.
Real Estate Developers
Construction finance, RERA escrow compliance, and sales-linked cash flow structuring — we connect developers with the right bank and NBFC funding sources for their project profile.
Self-Employed Professionals
Self-employed income assessment is complex — different lenders assess it very differently. We identify lenders with the most favourable income assessment methodology for your specific business profile.
Commercial Buyers
Commercial property loans, lease rental discounting for pre-leased assets, and loan against commercial property — specialist advisory for buyers and investors in the commercial segment.
Debt Consolidation
Loan against property for debt consolidation — replacing multiple high-cost obligations with a single, lower-rate secured facility against an owned property.
Why Borrowers Choose Us
Better Rate Than Direct Application
Our lender relationships and negotiation on your behalf typically secure rates 0.25–0.75% below what direct bank walk-ins receive — worth lakhs over a 20-year tenure.
Single Application, Multiple Lenders
One eligibility assessment covers 30+ lenders. No multiple hard inquiries, no credit score damage, no repetitive document submission.
Faster Sanction
Our relationships with bank credit teams and lender portals mean applications are processed with priority. Average sanction time is 7 working days vs. 15–25 days for direct applications.
No Loan Rejections
We assess your profile against each lender's credit policy before application — only submitting where approval probability is high. Rejection rates are near-zero.
Full PMAY Benefit
Every eligible first-time buyer gets their PMAY subsidy claim filed correctly. The subsidy ranges from ₹2.35L to ₹2.67L — often missed without advisory.
NRI-Specialist Expertise
NRI borrowers dealt with by our dedicated NRI financing team — not generalists. We understand every lender's NRI income policy and country-specific documentation requirements.
Tax-Optimised Loan Structure
Loan structuring that maximises Section 80C and Section 24 deductions — joint loans, co-applicant structures, and ownership arrangements reviewed for tax efficiency before application.
Disbursement Aligned to Registration
We coordinate loan disbursement timing with the property registration date — avoiding bridge finance requirements and ensuring seamless transaction completion.
Post-Sanction Service
Our relationship with you doesn't end at sanction. We review rates annually, advise on balance transfer opportunities, and assist with part-payment strategy throughout the loan tenure.
Builder Finance Relationships
For under-construction purchases, our builder relationships often mean preferred lender tie-ups with better rates and faster processing — savings passed directly to buyers.
Complete Documentation Support
From document checklist to submission — every document reviewed before it goes to the lender. Prevents rejection on preventable documentation grounds.
Transparent Fee Structure
Our advisory fees are disclosed upfront and are competitive. We never accept lender commissions that create a conflict of interest in our recommendations.
Outcomes in Practice
Salaried Buyer — 3BHK in Gurgaon
Challenge: Software professional with a ₹18L annual salary wanted to purchase a ₹1.2 Cr apartment. Had already applied to HDFC directly and received a conditional sanction at 9.25% floating. Was not aware that his profile qualified for a significantly better rate and had no benchmark to assess the offer.
Solution: We assessed the buyer's full financial profile — clean CIBIL score of 782, stable employment, low existing obligations. We identified ICICI Bank and SBI as superior options for his profile. After negotiation, SBI offered 8.65% floating with zero prepayment penalty and a processing fee 60% lower than HDFC's offer. We managed the complete SBI application and sanction within 9 working days.
Result
Loan sanctioned at 8.65% — saving approximately ₹5.8L in total interest over the 20-year tenure compared to the HDFC offer. Disbursement completed on the registration date with zero bridge finance requirement.
NRI Buyer — 2BHK in Noida (Dubai-based)
Challenge: IT professional based in Dubai wanted to buy a ₹65L apartment in Noida for family use. Had approached two banks in India who rejected the application — one citing incomplete NRI income documentation and the other citing income in AED. Had a deadline on the property booking.
Solution: We assessed the buyer's AED salary, bank statements, and UAE employment contract against the NRI income policies of 12 lenders on our panel. Identified ICICI Bank NRI and Axis Bank as having the most favourable AED income assessment policies. Prepared the complete NRI documentation pack — income documents, power of attorney, FEMA compliance declaration — and filed with both lenders simultaneously. ICICI sanctioned in 11 days.
Result
Loan of ₹52L sanctioned at 9.15% floating within 11 working days of engagement. Property booking retained. Full disbursement coordinated through NRE account within 25 days.
Existing Borrower — Balance Transfer
Challenge: Homeowner with an outstanding ₹42L home loan at 9.4% floating with HDFC, taken in 2019. Monthly EMI was ₹38,200 on a 20-year tenure with 14 years remaining. Was paying the EMI without reviewing whether better rates were available.
Solution: We conducted a rate comparison for the borrower's profile and outstanding loan. Identified Bank of Baroda at 8.55% floating with zero prepayment penalty on the HDFC loan. Calculated transfer cost: processing fee ₹8,500 + legal and technical charges ₹12,000 = ₹20,500. Monthly EMI saving: ₹3,680. Break-even: 5.6 months. We managed the complete transfer — foreclosure NOC from HDFC, Bank of Baroda application, and mortgage transfer.
Result
Transfer completed in 22 days. Monthly EMI reduced by ₹3,680. Total interest saving over remaining 14-year tenure: ₹6.18L. Transfer cost recovered in under 6 months.
Frequently Asked Questions
Ready to Get the Best Loan for Your Property?
Contact our funding advisory team. We provide a preliminary eligibility and rate assessment within 24 hours — at no cost and no obligation.
Check My Eligibility
Explore Our Other Services
Liaisoning & Legal
End-to-end legal due diligence, RERA compliance, title verification, and regulatory approvals.
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Property Sales Advisory
Expert buyer and seller representation — due diligence, negotiation, and registration.
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Property Management
End-to-end property management — tenants, rent, maintenance, inspections, and reporting.
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Commercial Leasing
Premium office and commercial space leasing advisory across 50+ Indian cities.
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Interior Design & Fit-Out
Tailored turnkey interior solutions for luxury residences and commercial spaces.
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Structured Funding & Financial Advisory for Property Buyers
Home loans, NRI financing, balance transfers, and investment property funding — access 30+ lenders through one advisor who negotiates your rate and manages the application end-to-end.
₹2000 Cr+Loans Facilitated
30+Banking Partners
8.4%Lowest Rate Secured
7 DaysAvg. Sanction Time
Rate Negotiated
On Every Application
₹2000 Cr+Loans Facilitated
30+Banking Partners
8.4%Lowest Rate Secured
7 DaysAvg. Sanction Time
Why Professional Loan Advisory Matters
The difference between choosing the right or wrong lender, interest rate, or loan structure for a ₹75 lakh loan over 20 years can amount to ₹5–10 lakh in additional interest. Most borrowers accept the first offer they receive — without knowing what they could qualify for across the wider lending market.
We give you access to 30+ lenders through a single advisor who compares lending options, negotiates terms, and manages your application — helping you secure competitive financing for your profile while minimising the need for multiple credit applications.
Multi-Lender Access, One Advisor
We work with 30+ banks and NBFCs — including SBI, HDFC, ICICI, Axis, Kotak, LIC HFL, PNB Housing, and Bajaj Housing Finance. You get a single advisor who compares products across multiple lenders and recommends the most suitable option based on your income profile, credit history, and financing requirements — without the bias of a single-lender relationship.
Rate & Structure Negotiation
Most borrowers accept the first loan offer they receive. We negotiate on your behalf — leveraging our lender relationships and your credit profile to secure better rates, lower processing fees, waived prepayment penalties, and improved loan-to-value ratios. The savings over a 20-year loan tenure are substantial.
End-to-End Application Management
From document collection through credit appraisal, valuation, sanction, and disbursement — we manage every stage of the loan process. You have a single point of contact who tracks your application, coordinates with credit teams, resolves queries, and helps ensure timely sanction and disbursement.
Specialist NRI & FEMA Expertise
NRI property financing involves FEMA compliance, income assessment in foreign currency, and coordination across Indian and overseas banking channels. Our NRI financing team has experience handling cross-border transactions and understands the financing and documentation requirements relevant to major NRI markets, including the UAE, USA, UK, Singapore, Canada, and Australia.
Our Funding & Financial Services
Comprehensive funding solutions for every type of property buyer, investor, and developer — from first-time home buyers to institutional real estate investors.
Home Loan Advisory
Home loans are among the largest financial commitments most buyers make, and choosing the right loan product, lender, and structure can make a significant difference to the total cost of borrowing over the loan tenure. We advise buyers on the complete home loan landscape: comparing interest rates (floating vs. fixed), processing fees, prepayment penalties, part-payment flexibility, technical valuation policies, and lender service quality — then supporting the application through to disbursement.
Loan eligibility assessment
Multi-lender rate and product comparison
Floating vs. fixed rate advisory
Loan-to-value optimisation
Processing fee and charge negotiation
Document preparation and submission
Credit appraisal query resolution
Technical valuation coordination
Sanction letter review and advice
Disbursement tracking and coordination
NRI Home Loans & Financing
NRI property financing requires specialist expertise — income assessed in foreign currency, FEMA compliance at every stage, NRE/NRO account coordination, and documentation authenticated abroad. We manage the complete NRI loan process — from eligibility assessment against overseas income to disbursement coordination — with lenders who have dedicated NRI desks and competitive rates for foreign income profiles.
NRI loan eligibility assessment based on overseas income
Foreign income documentation (salary slips, bank statements, ITR)
FEMA compliance advisory throughout
NRE/NRO account loan repayment structuring
Power of attorney coordination for loan documentation and execution
Comparative NRI loan product analysis
Currency risk and EMI planning
NRI co-applicant structuring
Repatriation and remittance advisory
Loan disbursement to builder/seller on NRI's behalf
Balance Transfer & Loan Restructuring
Millions of borrowers in India are paying above-market interest rates on home loans taken 3–7 years ago, when rates were higher. A balance transfer to a lower-rate lender — or a rate renegotiation with the existing lender — can save lakhs over the remaining tenure. We calculate the precise break-even point, identify the best receiving lender, manage the transfer documentation, and ensure the switch is completed without any gap in the property's mortgage status.
Current loan rate vs. market rate analysis
Break-even calculation (savings vs. transfer cost)
Identification of the most suitable receiving lender
Foreclosure NOC from existing lender
New lender loan application management
Property document transfer coordination
Balance transfer documentation review
Existing lender rate negotiation (alternative to transfer)
Part-payment and prepayment strategy
EMI reduction planning post-transfer
Loan Against Property (LAP)
A loan against property is a versatile funding tool for business owners, professionals, and property investors — unlocking the equity in an existing property without selling it. LAP facilities are available against residential and commercial properties at 50–70% of market value, with tenures up to 15–20 years. We assess your property's eligibility, compare LAP products across lenders, and structure the facility to match your funding requirement and repayment capacity.
Property eligibility assessment for LAP
LTV ratio negotiation across lenders
Residential and commercial property LAP
Business funding against property
Debt consolidation via LAP
LAP for professional requirements
Education funding against property
Overdraft facility against property
LAP vs. personal loan cost comparison
Sanction and disbursement management
Construction Finance & Project Funding
Real estate developers require structured construction finance — project loans from banks and NBFCs that disburse against construction milestones, aligned with RERA escrow requirements and sales-linked cash flows. We assist developers in preparing the financial model, identifying the right construction finance structure, approaching suitable lenders, and managing the ongoing lender relationship through the project lifecycle — from first disbursement to NOC upon project completion.
Project financial model preparation
Construction finance product structuring
Bank and NBFC lender identification
Information memorandum preparation
Credit appraisal support and documentation
RERA escrow structure advisory
Milestone-linked disbursement structure
Sales-linked cash flow modelling
Lender relationship management
Project completion NOC coordination
Affordable Housing & PMAY Advisory
The Pradhan Mantri Awas Yojana (PMAY) provides credit-linked subsidy for first-time home buyers across income categories — and millions of eligible buyers are missing the benefit due to unawareness or incorrect application. We assess PMAY eligibility, identify the applicable subsidy category (EWS, LIG, or MIG), advise on property eligibility requirements, and manage the complete subsidy application and disbursement tracking — ensuring eligible buyers receive the full benefit.
PMAY eligibility assessment (EWS / LIG / MIG)
Credit-linked subsidy calculation
First-time buyer verification
Property eligibility review for PMAY
PMAY application preparation and filing
NHB / HUDCO lender identification
Subsidy disbursement tracking
Aadhaar and income documentation advisory
Affordable housing project identification
Co-applicant income clubbing advisory
Investment Property Financing
Financing an investment property — whether a buy-to-let residential unit, a pre-leased commercial asset, or a land acquisition — requires a different loan structure than an owner-occupied home loan. Lenders assess income from the property, rental yield, and the investor's existing debt service coverage ratio. We advise investors on the right financing structure, optimise loan-to-value against investment return, and structure facilities that maximise the investment's leveraged return.
Investment property loan eligibility assessment
Rental income capitalisation in loan eligibility
Buy-to-let loan product comparison
Commercial property loan advisory
Lease rental discounting (LRD) for pre-leased assets
Portfolio leverage optimisation
DSCR and cash flow assessment
Multiple property loan structuring
Loan against investment property
Exit financing and refinancing advisory
Financial Planning & Tax Advisory
Property transactions have significant tax implications — from capital gains tax on sale proceeds to Section 80C and Section 24 deductions on home loan repayments, and stamp duty deductions under Section 80C. We provide structured financial planning advisory that maximises the post-tax return of every property investment — covering acquisition tax planning, holding period optimisation, and exit tax strategy in coordination with qualified chartered accountants.
Section 80C home loan principal deduction planning
Section 24 interest deduction optimisation
Capital gains tax assessment (LTCG / STCG)
Indexation benefit calculation for property sale
Capital gains reinvestment in new property (Section 54)
Capital gains bond investment advisory (Section 54EC)
Stamp duty deduction under Section 80C
Joint loan and co-ownership tax planning
NRI TDS and income tax advisory
Rental income tax optimisation
How We Work
From the first eligibility discussion to disbursement on your registration date — every stage of the loan process is managed by our team. You have one point of contact from start to finish.
Check My Eligibility
01
Financial Profile Assessment
We begin with a comprehensive financial profile — income sources, existing obligations, credit score, savings, and the funding requirement. This assessment determines loan eligibility across different lender categories and identifies any credit or documentation issues that need to be addressed before applications are submitted.
02
Lender Shortlisting & Rate Comparison
Based on your profile, we shortlist the 4–6 most suitable lenders from our panel of 30+ banks and NBFCs — comparing interest rates, processing charges, loan-to-value policy, technical valuation conservatism, service quality, and disbursement timelines. We present a structured comparison so you can make an informed decision.
03
Document Preparation
We provide a complete document checklist customised for your profile and the selected lender — income documents, property papers, identity and address proofs, and any additional requirements for NRI or business income borrowers. We review every document before submission to avoid rejection on preventable grounds.
04
Application Filing & Tracking
We file the application with the selected lender, track progress through the credit appraisal process, respond to queries from the credit team, and follow up on valuation and legal verification. You receive regular status updates without having to chase the bank directly.
05
Credit Appraisal & Query Resolution
Banks often raise queries during credit appraisal — income consistency, property ownership questions, or requests for additional documents. We manage every query response, ensuring the appraisal team receives accurate and complete information that supports the loan approval.
06
Sanction Letter Review
When the sanction letter is issued, we review it thoroughly — verifying the sanctioned amount, interest rate, tenure, processing charges, prepayment terms, and any conditions precedent to disbursement. Any discrepancies from what was agreed are flagged and addressed before acceptance.
07
Documentation & Disbursement
We coordinate the loan documentation — mortgage creation, insurance linkage where required, and any other conditions specified in the sanction. For property purchases, we align the disbursement with the seller's registration timeline so there is no gap between loan disbursement and property registration.
Loan Products at a Glance
Indicative rates and parameters across our core loan products — actual rates subject to profile assessment and lender negotiation.
| Loan Product | Rate Range | Max LTV | Max Tenure | Key Note |
|---|---|---|---|---|
| Home Loan (Salaried) | 8.5–9.5% p.a. | Up to 90% | Up to 30 years | Best rates for salaried applicants with 750+ CIBIL score |
| Home Loan (Self-Employed) | 9.0–10.5% p.a. | Up to 80% | Up to 20 years | Income assessed on ITR + CA-certified financials |
| NRI Home Loan | 8.75–10.0% p.a. | Up to 80% | Up to 20 years | Income in USD/AED/GBP/SGD/AUD/CAD assessed |
| Loan Against Property | 9.5–12.0% p.a. | Up to 65% | Up to 15 years | Residential and commercial properties eligible |
| Balance Transfer | 8.4–9.0% p.a. | Up to 90% of outstanding | Remaining tenure | Break-even typically 12–18 months post transfer |
| Construction Finance (Developer) | 10.5–13.0% p.a. | 60–70% of project cost | Project tenure + 2 years | Milestone-linked disbursement structure |
| PMAY Subsidy (MIG-I) | 4% subsidy on ₹9L | — | 20 years max | Income ₹6–12L p.a.; first-time buyer only |
| Lease Rental Discounting | 9.0–11.0% p.a. | Up to 70% of lease value | Lease tenure | Pre-leased commercial assets; strong tenant covenant required |
Common Funding Mistakes — and How We Prevent Them
These are the errors borrowers most commonly make when financing property without professional advisory — and the financial consequences of each.
| Mistake | Financial Consequence | Our Approach |
|---|---|---|
| Multiple loan applications damaging credit score | Each hard credit inquiry reduces CIBIL score by 5–15 points — applying to multiple banks directly can reduce eligibility for the best rates | Single eligibility assessment across all lenders using soft inquiry; targeted application to the right 1–2 lenders |
| Accepting above-market interest rates | A borrower on 9.5% who qualifies for 8.75% on a ₹75L loan over 20 years pays approximately ₹7.2L extra in interest | Market-wide rate comparison and active negotiation with selected lenders using your credit profile as leverage |
| NRI income rejection by Indian lenders | Many NRI borrowers are rejected by the first lender they approach due to income assessment rules — delaying purchases and losing property bookings | Lender pre-screening against NRI income type and country before application; only approach NRI-specialist lenders |
| Missing PMAY subsidy benefit | Eligible first-time buyers miss ₹2.35–2.67 lakh subsidy by purchasing without PMAY advisory | PMAY eligibility check for every first-time buyer; complete subsidy application management |
| Loan disbursement timing mismatch with registration | Delays in loan disbursement force buyers to arrange bridge finance or risk losing the property and deposit | Disbursement timeline management aligned with registration date; lender coordination to ensure same-day disbursement if required |
| Construction-linked disbursement for under-construction properties | Buyers pay pre-EMI interest on disbursed portions without tax benefit during the construction period, increasing effective loan cost | Construction-linked disbursement planning with pre-EMI calculation and tax advisory for under-construction loan accounts |
| Paying unnecessary processing fees on declined applications | Processing fees of ₹5,000–25,000 per application are charged even if the loan is declined — multiple rejections are costly | Credit profile review before application; provisional approval obtained before fee payment where possible |
| Existing high-rate loan without refinancing awareness | Borrowers on pre-2022 home loans at 8.5–9.5% may qualify for 7.9–8.5% today — missing monthly savings of ₹3,000–8,000 on a ₹50L loan | Annual loan rate review with balance transfer break-even analysis; proactive refinancing advisory |
Who We Help
Funding advisory for every type of property buyer, investor, and developer — tailored to the specific loan profile, income type, and transaction requirements of each client.
First-Time Home Buyers
Navigating a home loan without guidance is overwhelming. We simplify the process — eligibility, lender selection, application, and disbursement — and ensure you receive any PMAY subsidy you are entitled to.
NRI Buyers
Complete NRI home loan advisory — income assessment in foreign currency, FEMA compliance, power of attorney coordination, and disbursement management for buyers based in the UAE, USA, UK, Singapore, Canada, and Australia.
Property Investors
Investment property financing requires different structures and lenders than owner-occupied loans. We advise on loan-to-value optimisation, rental income capitalisation, and leveraged return maximisation.
Existing Borrowers
If you took your home loan before 2022 and haven't reviewed your rate, you may be paying significantly above market. We conduct a free rate comparison and balance transfer analysis.
Real Estate Developers
Construction finance, RERA escrow compliance, and sales-linked cash flow structuring — we connect developers with the right bank and NBFC funding sources for their project profile.
Self-Employed Professionals
Self-employed income assessment is complex — different lenders assess it very differently. We identify lenders with the most favourable income assessment methodology for your specific business profile.
Commercial Buyers
Commercial property loans, lease rental discounting for pre-leased assets, and loan against commercial property — specialist advisory for buyers and investors in the commercial segment.
Debt Consolidation
Loan against property for debt consolidation — replacing multiple high-cost obligations with a single, lower-rate secured facility against an owned property.
Why Borrowers Choose Us
Measurable advantages over applying to lenders directly — in rate, speed, service, and total loan cost over tenure.
Better Rate Than Direct Application
Our lender relationships and negotiation on your behalf typically secure rates 0.25–0.75% below what direct bank walk-ins receive — worth lakhs over a 20-year tenure.
Single Application, Multiple Lenders
One eligibility assessment covers 30+ lenders. No multiple hard inquiries, no credit score damage, no repetitive document submission.
Faster Sanction
Our relationships with bank credit teams and lender portals mean applications are processed with priority. Average sanction time is 7 working days vs. 15–25 days for direct applications.
No Loan Rejections
We assess your profile against each lender's credit policy before application — only submitting where approval probability is high. Rejection rates are near-zero.
Full PMAY Benefit
Every eligible first-time buyer gets their PMAY subsidy claim filed correctly. The subsidy ranges from ₹2.35L to ₹2.67L — often missed without advisory.
NRI-Specialist Expertise
NRI borrowers dealt with by our dedicated NRI financing team — not generalists. We understand every lender's NRI income policy and country-specific documentation requirements.
Tax-Optimised Loan Structure
Loan structuring that maximises Section 80C and Section 24 deductions — joint loans, co-applicant structures, and ownership arrangements reviewed for tax efficiency before application.
Disbursement Aligned to Registration
We coordinate loan disbursement timing with the property registration date — avoiding bridge finance requirements and ensuring seamless transaction completion.
Post-Sanction Service
Our relationship with you doesn't end at sanction. We review rates annually, advise on balance transfer opportunities, and assist with part-payment strategy throughout the loan tenure.
Builder Finance Relationships
For under-construction purchases, our builder relationships often mean preferred lender tie-ups with better rates and faster processing — savings passed directly to buyers.
Complete Documentation Support
From document checklist to submission — every document reviewed before it goes to the lender. Prevents rejection on preventable documentation grounds.
Transparent Fee Structure
Our advisory fees are disclosed upfront and are competitive. We never accept lender commissions that create a conflict of interest in our recommendations.
Outcomes in Practice
Real savings, real sanctions — from actual client engagements.
Salaried Buyer — 3BHK in Gurgaon
Challenge: Software professional with a ₹18L annual salary wanted to purchase a ₹1.2 Cr apartment. Had already applied to HDFC directly and received a conditional sanction at 9.25% floating. Was not aware that his profile qualified for a significantly better rate and had no benchmark to assess the offer.
Solution: We assessed the buyer's full financial profile — clean CIBIL score of 782, stable employment, low existing obligations. We identified ICICI Bank and SBI as superior options for his profile. After negotiation, SBI offered 8.65% floating with zero prepayment penalty and a processing fee 60% lower than HDFC's offer. We managed the complete SBI application and sanction within 9 working days.
Result
Loan sanctioned at 8.65% — saving approximately ₹5.8L in total interest over the 20-year tenure compared to the HDFC offer. Disbursement completed on the registration date with zero bridge finance requirement.
NRI Buyer — 2BHK in Noida (Dubai-based)
Challenge: IT professional based in Dubai wanted to buy a ₹65L apartment in Noida for family use. Had approached two banks in India who rejected the application — one citing incomplete NRI income documentation and the other citing income in AED. Had a deadline on the property booking.
Solution: We assessed the buyer's AED salary, bank statements, and UAE employment contract against the NRI income policies of 12 lenders on our panel. Identified ICICI Bank NRI and Axis Bank as having the most favourable AED income assessment policies. Prepared the complete NRI documentation pack — income documents, power of attorney, FEMA compliance declaration — and filed with both lenders simultaneously. ICICI sanctioned in 11 days.
Result
Loan of ₹52L sanctioned at 9.15% floating within 11 working days of engagement. Property booking retained. Full disbursement coordinated through NRE account within 25 days.
Existing Borrower — Balance Transfer
Challenge: Homeowner with an outstanding ₹42L home loan at 9.4% floating with HDFC, taken in 2019. Monthly EMI was ₹38,200 on a 20-year tenure with 14 years remaining. Was paying the EMI without reviewing whether better rates were available.
Solution: We conducted a rate comparison for the borrower's profile and outstanding loan. Identified Bank of Baroda at 8.55% floating with zero prepayment penalty on the HDFC loan. Calculated transfer cost: processing fee ₹8,500 + legal and technical charges ₹12,000 = ₹20,500. Monthly EMI saving: ₹3,680. Break-even: 5.6 months. We managed the complete transfer — foreclosure NOC from HDFC, Bank of Baroda application, and mortgage transfer.
Result
Transfer completed in 22 days. Monthly EMI reduced by ₹3,680. Total interest saving over remaining 14-year tenure: ₹6.18L. Transfer cost recovered in under 6 months.
Frequently Asked Questions
Everything you need to know about home loans, NRI financing, balance transfers, and property investment funding.
Ready to Get the Best Loan for Your Property?
Contact our funding advisory team. We provide a free eligibility and rate assessment within 24 hours — covering 30+ lenders, with no impact on your credit score.
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